Exhibit 3.1(r)(i)





     


                          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.
     Section 1204) the undersigned desiring to be incorporated as a business
     corporation, hereby certifies (certify) that:

     1.   The names 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 terms 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 par value.

     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           1
                        Philadelphia, PA 19102

               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)





     

                          COMMONWEALTH OF PENNSYLVANIA
     
                               DEPARTMENT OF STATE

     TO ALL TO WHOM THESE PRESENTS SHALL COME, GREETING:

               WHEREAS, Under the provisions of the Business Corporation
     Law, approved the 5th day of May, Anno Domini one thousand nine
     hundred and thirty-three, P.L. 364, as amended, the Department of
     State is authorized and required to issue a

                          CERTIFICATE OF INCORPORATION

     evidencing the incorporation of a business corporation organized under
     the terms of the that law, and

               WHEREAS, The stipulation and conditions of that law have
     been fully complied with by the persons desiring to incorporate as

                         UNIVERSAL MONEY EXCHANGE, INC.

               THEREFORE, KNOW YE, That subject to the Constitution of this
     Commonwealth and under the authority of the Business Corporation Law,
     I do by these presents, which I have caused to be sealed with the
     Great Seal of the Commonwealth, create, erect, and incorporate the
     incorporators of and the subscribers to the shares of the proposed
     corporation named above, their associates and successors, and also
     those who may thereafter become subscribers or holders of the shares
     of such corporation, into a body politic and corporate in deed and in
     law by the name chosen hereinbefore specified, which shall exist
     perpetually and shall





     

     be invested with and have and enjoy all the powers, privileges, and
     franchises incident to a business corporation and be subject to all
     the duties, requirements, and restrictions specified and enjoined in
     and by the Business Corporation Law and all other applicable law of
     this Commonwealth.

                              GIVEN     under my Hand and the Great Seal of
                                        the Commonwealth, at the City of
                                        Harrisburg, this 4th day of October
                                        in the year of our Lord one
                                        thousand nine hundred and seventy-
                                        eight and of the Commonwealth the
                                        two hundred and third.

                                /s/ Barton A. Fields          
                                -----------------------------
                                Secretary of the Commonwealth