Exhibit 4.9

                          UNIVERSAL MONEY CENTERS, INC.
                               RIGHTS CERTIFICATE

                                             Rights Certificate No. _________
Rights: ______________________        Shares Held on Record Date: ___________

     VOID AFTER 5:00 P.M. KANSAS CITY TIME ON JULY __, 2000,  UNLESS EXTENDED BY
THE  COMPANY  (THE   "EXPIRATION   DATE").   THIS  RIGHTS   CERTIFICATE  IS  NOT
TRANSFERABLE.

     The owner named below is entitled to purchase from Universal Money Centers,
Inc. (the "Company"),  shares of Common Stock,  $.01 par value per share, of the
Company   ("Shares"),   at  a  subscription   price  of  $____  per  Share  (the
"Subscription Price"), upon exercise before the Expiration Date:

                               -----------------
                               -----------------
                               -----------------


     Each Right entitles the holder of record hereof ("Holder") to subscribe for
and  purchase  one Share at the  Subscription  Price of  $_____  under the Basic
Subscription Privilege. If the Holder exercises the Basic Subscription Privilege
to the fullest extent possible, the Holder has an Oversubscription  Privilege to
purchase  additional  Shares to the  extent  such  Shares  are  available  after
exercise  of the Basic  Subscription  Privilege.  If  sufficient  Shares are not
available to fully satisfy all requests for Oversubscription,  an allotment,  as
described in the Prospectus, will be used to apportion the available Shares.

      Upon  presentation  and  surrender  of this  Rights  Certificate  with the
completed  subscription Form 1 and substitute Form W-9 below duly executed,  and
payment of the applicable  Subscription  Price of the purchased  Shares,  at the
office of Universal  Money  Centers,  Inc.,  6800 Squibb Road,  Mission,  Kansas
66202, Attention:  Christopher D. Greek, the Holder shall be entitled to receive
a  certificate  representing  the Shares so  purchased.  All Shares  issued upon
exercise  of the  Rights  Certificate,  upon  issuance,  shall be fully paid and
non-assessable.

      This Rights  Certificate  may be exercised only by a Holder  residing in a
state in which the Company can lawfully offer and sell Shares  purchasable  upon
exercise.  This  Rights  Certificate  shall not entitle the Holder to any voting
rights or other rights as a shareholder of the Company.  The required signatures
of  representatives  of  the  Company  set  forth  below  may be  facsimiles  or
reproductions of such representatives' signatures.

                                   UNIVERSAL MONEY CENTERS, INC.


ATTEST:                            By:
                                       ----------------------------------
                                       David S. Bonsal
-----------------------                President and Chief Executive Officer
Pamela A. Glenn
Secretary


<PAGE>


FORM 1 - TO SUBSCRIBE FOR SHARES*

     One Right and the Subscription Price shown hereon are required to subscribe
     for each Share,  except  pursuant  to the  Over-subscription  Privilege  as
     described in the Prospectus.

(a)  BASIC SUBSCRIPTION:

(No. of Shares Subscribed)      (Subscription Price)  =     Payment

_________________________        X     [$________]    =     $__________

(b)  OVERSUBSCRIPTION:

(No. of Shares Oversubscribed)(Subscription Price) =      Payment

_________________________        X     [$________]    =     $__________

(c) PAYMENT: I hereby subscribe for Shares of Universal Money Centers, Inc. upon
the terms specified in the Prospectus.

    Total Payable to ____________
    Universal Money Centers, Inc. enclosed . . . . . . . . . $______________

(d)  SIGNATURE OF RIGHTS CERTIFICATE OWNERS:


-------------------------------         ---------------------------------------
Signature                               Signature


-------------------------------         ---------------------------------------
Print Name                              Print Name

TELEPHONE NUMBER: (___)____________ (day)    (___)______________ (evening)

           IMPORTANT:  To prevent backup  withholding on any payments to be made
      to you by the Company,  you are required to notify the Subscription  Agent
      of your  correct  taxpayer  identification  number  (which is either  your
      social  security number or employer  identification  number) by completing
      the attached  Substitute  Form W-9 certifying  that the taxpayer ID number
      provided  on the Form is correct  (or that you are  awaiting a taxpayer ID
      number).

           Failure to provide the  information on the attached  Substitute  Form
      W-9 and to  certify  that you are not  subject to backup  withholding  may
      subject you to 31% federal income tax withholding on payments made to you.



*RETURN RIGHTS CERTIFICATE
(INCLUDING ATTACHED               Universal Money Centers, Inc.
SUBSTITUTE FORM W-9) TO:          6800 Squibb Road
                                  Mission, Kansas 66202
                                  Attention: Christopher D. Greek


                                      -2-
<PAGE>


                               SUBSTITUTE FORM W-9

    The  holder  of  shares of Common  Stock is  required  to give the  holder's
taxpayer ID number  (e.g.,  Social  Security  Number or Employer  Identification
Number).  If the  shares are in more than one name or are not in the name of the
actual  owner,   consult  the   "Guidelines   for   Certification   of  Taxpayer
Identification Number on Substitute Form W-9" on the reverse side for additional
guidance on which number to report.

--------------------------------------------------------------------------------
PAYER'S NAME:  Universal Money Centers, Inc., Mission, Kansas



--------------------------------------------------------------------------------
Name(s) as shown on Stock  Certificate (if jointly held,  circle the name of the
person or entity whose number you enter in Part 1 below)

Name(s):
          ---------------------------------------------------------------------
Address:
          ---------------------------------------------------------------------
          ---------------------------------------------------------------------
City, State and Zip Code:  ----------------------------------------------------
  SUBSTITUTE        Part 1 - PLEASE PROVIDE YOUR
   FORM W-9         TAXPAYER ID NUMBER IN THE     ----------------------------
                    SPACE AT RIGHT AND CERTIFY    Social Security Number OR
                    BY SIGNING AND DATING BELOW   Employer Identification Number
                    ------------------------------------------------------------

 Department         Part 2 - I certify,  under  penalties  of  perjury,  that a
 of the Treasury    taxpayer identification number has not been issued to me,
 Internal Revenue   and that I mailed or delivered an  application to receive a
     Service        taxpayer  identification number to the appropriate Internal
                    Revenue Service Center or Social Security  Administration
                    Service Office (or I intend to mail or deliver an
                    application in the  near  future).  I  understand  that  if
                    I do not provide  a  taxpayer  identification  number to the
                    payer within 60 days, the payer is required to withhold 31%
                    of all reportable payments made to me until I provide
                    a number.
                                             Awaiting taxpayer ID number /_/
                    -----------------------------------------------------------

                    CERTIFICATION - UNDER  PENALTIES OF PERJURY,  I CERTIFY THAT
                    THE TAXPAYER  IDENTIFICATION NUMBER PROVIDED ON THIS FORM IS
                    MY CORRECT TAXPAYER  IDENTIFICATION NUMBER AND THAT I AM NOT
                    SUBJECT  TO BACKUP  WITHHOLDING,  EITHER  BECAUSE I HAVE NOT
                    BEEN NOTIFIED THAT I AM SUBJECT TO BACKUP  WITHHOLDING  AS A
                    RESULT OF A FAILURE TO REPORT ALL INTEREST OR DIVIDENDS,  OR
                    BECAUSE THE INTERNAL REVENUE SERVICES HAS NOTIFIED ME THAT I
                    AM NO LONGER SUBJECT TO BACKUP WITHHOLDING*

                    SIGNATURE                          DATE
                              -----------------------       -------------------
--------------------------------------------------------------------------------
    *If you have been notified that you are subject to backup withholding due to
underreporting  and have not received a notice from the Internal Revenue Service
advising you that backup  withholding  has  terminated,  you must strike out the
language certifying that you are not subject to backup withholding.

    NOTE:  FAILURE TO  COMPLETE  AND RETURN THIS FORM MAY RESULT IN
BACKUP WITHHOLDING OF 31% OF ANY REPORTABLE PAYMENTS MADE TO YOU.

                                       -3-

<PAGE>


             GUIDELINES FOR CERTIFICATION OF TAXPAYER IDENTIFICATION

                          NUMBER ON SUBSTITUTE FORM W-9

Guidelines for Determining the Proper Identification Number to Give the
Payer.--Social Security numbers have nine digits separated by two hyphens; i.e.
000-00-0000. Employer identification numbers have nine digits separated by only
one hyphen: i.e. 00-0000000. The table below will help determine the number to
give the payer.


For this type of account:             Give the SOCIAL SECURITY number of:
-------------------------------------------------------------------------------

 1.  An Individual's account          The individual

 2.  An  account  of two or more      The  actual  owner of the  account
     individuals (joint account)      or, if combined funds, the first
                                      individual on the account1

 3.  Custodial account of a minor
     (Uniform Gift to Minors Act)     The minor2


 4.  a.  The usual revocable trust
         account

         (grantor is also trustee)    The grantor-trustee1

     b.  So-called trust account
         that is not a legal or
         valid trust under state
         law                          The actual owner1


                                      Give the EMPLOYER IDENTIFICATION
For this type of account:             number of:
--------------------------------------------------------------------------------

 5.  Sole proprietorship account      The owner3

 6.  A valid trust, estate or         Legal entity4
     pension trust

 7.  Corporate account                The corporation

 8.  Partnership account              The partnership

 9.  A broker or registered nominee   The broker or nominee


     Note:  If no name is circled  when there is more than one name,  the number
will be considered to be that of the first name listed.

Obtaining a Number:  If you don't have a taxpayer  identification  number or you
don't know your  number,  obtain Form SS-5,  Application  for a Social  Security
Number Card, or Form SS-4,  Application for Employer  Identification  Number, at
the local office of the Social Security  Administration  or the Internal Revenue
Service and apply for a number.


--------
1 List  first and  circle  the name of the person whose number you provide.
2 Circle the  minor's  name and provide the minor's Social Security number.
3 Show the name of the  owner.
4 List first and circle the name of the legal trust, estate, or pension trust.


                                      -4-