The present invention provides systems and methods for electronically delivering banking services to end clients and, more particularly, using Internet based technologies as a means of exposing those services. Also described are compositions comprising these polyvalent VLPs as well as methods of making and using these VLPs. On the other hand, when a sheet of paper having a width equal to or smaller than the paper feed width W1 is transported, only the first and third fans 26a and 26c are made to rotate to prevent an increase in the temperature of non-paper feeding areas 30a and 30b formed at the edges of a fuser roller pair 14a.