Provide a complete description of the service channel and the services offered within it as at the relevant date. If services are offered part time then indicate the normal hours of operation. 

For face-to-face services, the description should address each of the following areas:
1. Does the Point of Presence (POP) provide cash/cheque deposit and cash withdrawal services for personal and small business customers?
2. Does the POP provide cash/cheque deposit and cash withdrawal services for personal customers only?
3. Does the POP provide direct access to other financial services?
4. Are non - financial services provided by the POP?
5. Is the POP located in the ADIs premises?
6. Do other businesses operate out of the same premises?
7. Do ADI employees staff the POP?
8. Do any of the POPs in this class of service outlet provide access to financial services on a part time basis?
9. If the answer to (8) is YES - then the basis on which the services are made available should be described (e.g.: 'Branches indicated as 'Part Time' are staffed at least 7.5 hours each week')