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<PAGE>
Exhibit 21
LIST OF SUBSIDIARIES
<TABLE>
<CAPTION>
NAME OF SUBSIDIARY STATE OF INCORPORATION PERCENTAGE OWNED BY SHC CORP.
------------------ ---------------------- -----------------------------
<S> <C> <C>
Payday Check Advance, Inc. Illinois 80%
Payday Express of American, Inc. Illinois 100%
Sonoma Financial Corporation Delaware 100%
Money Market, Inc. Indiana 100%
E Star Systems, Inc. Illinois 100%
</TABLE>
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