formally listed items

When you list items vertically in a formal list, Is it ok to use the word "and" at the end of the series of numbers?

This is an example:

1. Collecting checks, payments, and other credit instruments
2. Accepting letter of credit and travelers' checks
3. And Making Credit investigations

Please explain

[mykwyner]

These constructions work best with parallel structure.

1. Collecting
2. Accepting
3. Making

And is not part of the information (this is an information-only construction) therefore it doesn't belong at the beginning of 3.