ATM SUBLEASE


      THIS ATM SUBLEASE ("Sublease"), made and entered into as of the 14 day of
January, 2000, by and among NATIONWIDE MONEY SERVICE, INC., a Nevada corporation
("Sublessor"), UNIVERSAL MONEY CENTERS, INC., a Missouri corporation
("Sublessee") and DANA COMMERCIAL CREDIT CORPORATION, a Delaware corporation
("Lessor").

                                  WITNESSETH:

      WHEREAS, by a certain written Master Lease Agreement (the "Master Lease")
dated January 28, 1996, as amended by Lease Schedule No. 5 dated March 30, 2000
("Lease Schedule"; together with the Master Lease, the "Lease Agreement"),
Lessor leased to Sublessor certain automatic teller machines ("ATMs"), including
the 11 ATMs Sublessor placed at certain locations as set forth on Exhibit A
hereto (collectively, the "Leased ATMs", and individually a "Leased ATM").

      WHEREAS, Sublessee desires to sublease from Sublessor, and Sublessor is
willing to sublet to Sublessee the Leased ATMs on the terms and conditions more
particularly set forth hereinafter.

      NOW, THEREFORE, in consideration of the mutual covenants, conditions and
agreements herein contained, Sublessor and Sublessee agree as follows:

     1.   Sublease. Sublessor, for and in consideration of the rents and
          covenants specified to be paid, performed and observed by Sublessee,
          does hereby let, sublet, lease and demise to Sublessee the Leased ATMs
          for the term and according to the covenants and conditions contained
          herein.

     2.   Term; Renewal. Subject to Sections 7 and 11 of this Sublease, the
          initial term of this Sublease shall be for a period of one (1) month
          commencing on the Conveyance Date (as defined under the Agreement for
          Assignment of ATM Space Leases dated as of the date hereof by and
          between Sublessee and Sublessor) and terminating 30 days after the
          Conveyance Date (the "Initial Term"). The term of the Sublease shall
          automatically renew at the end of the Initial Term and at the end of
          each successive Renewal Term (as defined herein) for a period of 30
          days (a "Renewal Term"; together with the Initial Term, the "Sublease
          Term"), unless either party hereto shall have received, at least 30
          days prior to the end of the Initial Term or any subsequent Renewal
          Term, written notice from the terminating party that such party is
          terminating this Sublease. At the end of the Sublease Term, if
          Sublessee has not purchased the Leased ATMs from Sublessor pursuant to
          Section 8 herein, Sublessor shall take possession of the Leased ATMs
          at the location set forth on Exhibit A hereto or such other location
          where a Leased ATM has been moved pursuant to Section 5(d) herein.


<PAGE>



     3.   Rent and Other Charges.

          a.   Sublessee shall pay to Sublessor as rent for the Leased ATMs the
               sum of One Hundred and 00/100 Dollars ($100.00) per Leased ATM,
               payable upon the execution of this Sublease as rent for the
               Initial Term. For each Renewal Term, Subleasee shall pay
               Sublessor as rent for the Leased ATMs the sum of One Hundred and
               00/100 Dollars ($100.00) per Leased ATM upon the last calendar
               day of such Renewal Term.

          b.   A Late Fee of five percent (5%) of the total amount due shall be
               assessed for any month in which payment is received by Sublessor
               after the 10th day of the Initial Term or the 10th day after the
               end of any Renewal Term.

          c.   Except as expressly provided in this Sublease, Sublessee shall
               not be obligated to pay Sublessor any other amount in connection
               with this Sublease.

     4.   Liens And Encumbrances; Title; Personal Property. Lessor is sole owner
          of the Leased ATMs and no right, title or interest in the Leased ATMs
          shall pass to Sublessor or Sublessee, as the case may be, other than,
          conditioned upon (i) compliance with and fulfillment of the terms and
          conditions of the Master Lease by Sublessor, and (ii) compliance with
          and fulfillment of the terms and conditions of this Sublease by
          Sublessor and Sublessee, as the case may be, the right to maintain
          possession and use of the Leased ATMs for the Sublease Term free from
          interference by any person. At its option, Sublessor may require
          Sublessee to affix plates, markings or other notices on the Leased
          ATMs indicating Lessor is the owner. The Leased ATMs shall at all
          times remain personal property, notwithstanding, the Leased ATMs or
          any part thereof may be (or become) affixed or attached to real
          property or any improvements thereon.

     5.   Operation and Maintenance; Inspection.

          a.   Sublessee shall be solely responsible for the installation,
               operation, and maintenance of the Leased ATMs, and, at its own
               cost and expense, shall (i) keep the Leased ATMs in good repair,
               condition and working order, in accordance with any applicable
               manufacturer's manuals, instructions or requirements, (ii)
               furnish all parts, mechanisms, devices and servicing required
               therefor, (iii) make all replacements, alterations or additions
               to the Leased ATMs that may be required by the vendor or
               manufacturer of the Leased ATMs or may be legally necessary, and
               (iv) make no other alterations or additions to the Leased ATMs
               without the prior written consent of Lessor. Parts attached to or
               installed in or on the Leased ATMs as required by clauses
               (i)-(iv) above shall be free and clear of all liens and have a
               value, utility and remaining useful life at least equal to the
               parts replaced. Title to all such parts shall immediately vest in
               Lessor without cost to Lessor, or any further action, and such
               parts, alterations or additions shall be deemed incorporated into
               the Leased ATMs and subject to the terms of this Sublease and


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<PAGE>

               the Lease Agreement as if originally leased thereunder.

          b.   Sublessee shall use and operate the Leased ATMs by competent and
               duly qualified personnel, and for business purposes only in
               compliance with applicable law, applicable manufacturer's
               manuals, instructions or warranty requirements and all insurance.

          c.   Sublessee, at its own cost and expense, shall enter into and
               maintain in full force and effect throughout the Sublease Term,
               with the manufacturer or such other party as may be acceptable to
               Sublessor, a maintenance agreement covering the Leased ATMs.

          d.   Sublessee shall not move the Leased ATMs from the location
               specified in the Lease Schedule without the prior written consent
               of Sublessor, which consent shall not be unreasonably withheld,
               and, if granted, without executing financing statements and
               completing filings or taking such other actions as Sublessor may
               reasonably request to protect Lessor's interest in the Leased
               ATMs.

          e.   Sublessee agrees never to abandon or relinquish possession of the
               Leased ATMs except to Sublessor or its agents.

          f.   Subject to Sublessee's standard security procedures, Lessor or
               Sublessor may enter the premises where the Leased ATMs is located
               during normal business hours for the purpose of (i) inspecting
               the Leased ATMs and, (ii) showing the Leased ATMs to prospective
               purchasers or lessees of the Leased ATMs.

     6.   Risk Of Loss. Not to exceed $2,000 (two thousand dollars) per Leased
          ATM, Sublessee hereby assumes and shall bear the risk of loss, theft,
          damage or destruction of the Leased ATMs by any cause whatsoever
          including, without limitation, economic loss through extraordinary or
          premature wear, or condemnation, confiscation, seizure or requisition
          of the title or use of any of the Leased ATMs by any government entity
          and whether or not such Loss is covered by insurance (collectively,
          "Loss"). In the event of Loss, Sublessee shall promptly notify
          Sublessor in writing of the Loss and all related details and any
          action related thereto, and Sublessee shall, within thirty (30) days
          of the Loss (a) repair the Leased ATMs and restore it to the same good
          condition and working order as it was immediately prior to the Loss
          (assuming the Leased ATMs was in the condition required by the terms
          of Section 5 herein); or (b) replace the Leased ATMs affected by the
          Loss with like personal property with equivalent value, useful life
          and utility, in good repair, condition and working order; provided,
          however, Sublessee shall not be required to take any action whatsoever
          pursuant to clauses (a) and (b) herein which would result in the
          Sublessee expending more than $2,000 (two thousand dollars) per Leased
          ATM.

     7.   Default.

          a.   If Sublessee fails to make any rent payment when due as provided
               in this Sublease


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<PAGE>

               and such failure to pay is not cured for 30 days, the Sublease
               shall terminate within 10 days of Sublessee receiving written
               notice of such failure.

          b.   In the event Sublessee fails to comply with any other provision
               of this Sublease, Sublessor shall have the right, but shall not
               be obligated, to effect such compliance on behalf of Sublessee.
               In such event, all monies expended by and all expenses of
               Sublessor in effecting such compliance shall be deemed to be
               additional rent, and shall be paid at the time of the next rent
               payment after receiving an invoice detailing the same.

          c.   In the event Sublessor fails to comply with the provisions of
               this Sublease, Sublessee shall have the right, but not the
               obligation to effect such compliance on behalf of Sublessor. In
               such event, all monies expended by and all expenses of Sublessee
               in effecting such compliance shall be deemed to be the obligation
               of Sublessor and shall be paid to Sublessee within 10 days of
               receiving an invoice detailing the same.

     8.   Purchase Option.

          a.   If no event of default exists under Section 7 herein, Sublessee
               has complied with all of the terms and conditions of the Sublease
               and Sublessee delivers to Lessor and Sublessor an irrevocable
               written notice at least one hundred thirty-five (135) days prior
               to the last day of the Lease Term (as such term is defined in the
               Lease Agreement), Sublessee shall have the option to purchase
               all, but not less than all, of the Leased ATMs from Sublessor at
               the end of the Sublease Term at the Purchase Option Price (as
               defined below).

          b.   The "Purchase Option Price" of the Leased ATMs shall be an amount
               equal to the Fair Market Value (as defined below) of such Leased
               ATMs, as agreed upon by Sublessor and Sublessee or, failing such
               agreement, as determined by an appraisal, at Sublessee's expense,
               from an independent qualified appraiser selected by Sublessee and
               reasonably satisfactory to Sublessor, plus an amount equal to all
               sales, use, property or excise taxes, on or measured by the sale
               of the Leased ATMs to Sublessee, plus any other expenses of
               transfer. "Fair Market Value" is the selling price that would be
               obtained in an arm's-length transaction between an informed and
               willing buyer and an informed and willing seller, each under no
               compulsion to buy or sell; provided, however, such values shall
               be determined on the basis that the Leased ATMs conforms to all
               conditions specified in this Sublease and is installed and/or in
               service. In determining Fair Market Value, the costs of removing
               the Leased ATMs shall not be deducted from its value.

          c.   If Sublessee elects to purchase the Leased ATMs, Sublessee shall
               pay Sublessor the Purchase Option Price on or before the last day
               of the Lease Term in immediately available funds and the sale of
               the Leased ATMs by Sublessor to Sublessee shall be on an AS-IS,
               WHERE-IS basis, without recourse to, or warranty by Sublessor and
               NIETHER SUBLESSOR NOR LESSOR SHALL


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<PAGE>

               NOT BE DEEMED TO HAVE MADE, AND SUBLESSOR AND LESSOR HEREBY
               EXPRESSLY DISCLAIMS, ANY REPRESENTATION OR WARRANTY, EITHER
               EXPRESSED OR IMPLIED, AS TO ANY MATTER WHATSOEVER, INCLUDING
               WITHOUT LIMITATION, THE DESIGN OR CONDITION OF THE LEASED ATMS,
               THEIR MERCHANTABILITY OR THEIR FITNESS FOR USE OR FOR ANY
               PARTICULAR PURPOSE, THE QUALITY OF THE MATERIAL OR WORKMANSHIP OF
               THE LEASED ATMS, ITS VALUE OR CONFORMITY TO ANY SPECIFICATIONS OR
               AGREEMENTS RELATING THERETO, NOR SHALL SUBLESSOR OR LESSOR BE
               LIABLE FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES OR FOR STRICT OR
               ABSOLUTE LIABILITY IN TORT.

          d.   Notwithstanding any provisions of this Section 8 to the contrary,
               Sublessee's right to purchase, and Sublessor's agreement to sell,
               any or all of the Leased ATMs are expressly conditioned upon
               Sublessor's exercising its purchase option under the Lease.
               Further, prior to consummation of Sublesee's purchase of the
               Leased ATMs, Sublessor shall represent and warrant to, and
               provided such other evidence as reasonably required by, Sublesee
               that Sublessor is the owner of the Leased ATMs holding marketable
               title, free and clear of any liens or other encumbrances.

     9.   Notices. All notices, requests, demands and communications with
          respect to this Sublease, whether or not herein expressly provided
          for, shall be in writing, and shall be deemed to have been duly given
          when and if mailed by United States First-Class Certified or
          Registered Mail, postage prepaid, return receipt requested, to the
          parties at the respective addresses set forth below, or to such other
          address or addresses as may hereafter be designated by either party in
          writing for such purpose.

          If to Sublessor:    Nationwide Money Services, Inc.
                              221 Ponte Vedra Park Drive
                              Suite 100
                              Ponte Vedra Beach, Florida 32082
                              Telephone: 904-280-8500
                              Facsimile: 904-280-8588

          If to Sublessee:    Universal Money Centers, Inc.
                              6800 Squibb Road
                              Mission, KS  66202
                              Telephone: (816) 831-2055
                              Facsimile: (816) 831-0248

     10.  Assignment. Neither Sublessor nor Sublessee shall, without the prior
          written consent of the other party and Lessor, (i) assign its rights
          and obligations under this Sublease; or (ii) let or underlet or permit
          the Leased ATMs or any part thereof to be used by others.

     11.  Subject and Subordinate to Lease Agreement. Notwithstanding any
          provision hereof or of any other document or agreement by or between
          Sublessor and Sublessee, to the


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          contrary, in order to induce Lessor to consent to the sublease created
          hereby (which consent the parties hereby acknowledge as being required
          by Section 11 of the Master Lease), Sublessor and Sublessee hereby
          represent, warrant and Sublessor, Sublesee and Lessor agree as
          follows:

          a.   Sublessor Remains Liable. Sublessor hereby acknowledges that it
               is now and continues to be primarily and fully obligated by the
               terms and conditions of the Lease Agreement notwithstanding any
               delegation of duties by Sublessor, the assumption of any
               obligations or liabilities by Sublessee or as a consequence of
               any other term of any kind whatsoever of this Sublease. Any such
               delegation shall be effective only as between Sublessor and/or
               Sublessee, as the case may be.

          b.   Subject and Subordinate. Sublessor's and/or Sublessee's interest
               the Leased ATMs shall be expressly subject and subordinate in all
               respects to all of the terms and conditions of the Lease
               Agreement, including, without limitation, all of the rights,
               powers and/or remedies of the Lessor under the Lease Agreement
               including, Lessor's rights of repossession (a copy of the Lease
               Agreement is attached hereto and made part hereof as Exhibit B);
               provided, however, Sublessee does not assume any obligations or
               duties of Sublessor under the Lease Agreement except as expressly
               provided herein.

          c.   No Obligations. Lessor shall have no obligation of any kind
               whatsoever to perform any of the obligations or duties of
               Sublessor under the Sublease, including, without limitation,
               selling any Leased ATM to Sublessee, payment of any taxes or
               other sums, furnishing of maintenance, repairs, replacement
               Leased ATMs, service, insurance or otherwise.

          d.   Sublease Expiration. The Sublease shall expire, and control of
               the ATMs will be returned to Sublessor (or, at Lessor's option,
               to Lessor), on the expiration, or earlier cancellation or
               termination, of the term of the Lease Agreement with respect to
               the Leased ATMs.

          e.   Lease Agreement Prevails.Sublessee hereby agrees that its rights
               under the Sublease or with respect to the ATMs are and shall
               remain no more extensive than Sublessor's rights under the
               provisions of the Lease Agreement. Nothing contained herein shall
               in any way limit Lessor's rights or Sublessor's obligations under
               the Lease Agreement.

          f.   Consent. Subject to the foregoing terms and conditions, Lessor
               hereby consents to the subleasing of the Leased ATMs to the
               Sublessee pursuant to the terms of this Section 11. Lessor shall
               be deemed a beneficiary of all of the provisions hereof.

     12.  Counterparts. This Sublease may be executed in any number of
          counterparts and by the different parties hereto on separate
          counterparts. Execution in counterpart shall


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          have the same effect as if the signatures thereto and hereto were upon
          the same instrument.

     13.  Entire Agreement; Amendments; Binding Effect. This Sublease contains
          the entire agreement among the parties hereto with respect to the
          subject matter covered hereby, may not be amended or rescinded except
          by an instrument in writing executed by each of the parties hereto,
          and shall inure to the benefit of and be binding upon the successors
          and permitted assigns of the parties hereto.


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<PAGE>



      IN WITNESS WHEREOF, the parties have hereunto executed these presents as
of the day and year first above written.

                          NATIONWIDE MONEY SERVICES, INC.


                              /s/ Nationwide Money Services, Inc.
                          By:________________________________________________
                          Printed Name:______________________________________
                          Title:_____________________________________________

                                  ("Sublessor")


                          UNIVERSAL MONEY CENTERS, INC.


                              /s/ David S. Bonsal
                          By:________________________________________________
                          Printed Name:  David S. Bonsal
                          Title:         Chief Executive Officer

                                  ("Sublessee")

      Lessor is entering into this Sublease for the purposes set forth in
Section 11 of this Sublease.

                          DANA COMMERCIAL CREDIT CORPORATION


                             /s/ Dana Commercial Credit Corporation
                         By:________________________________________________
                          Printed Name:______________________________________
                          Title:_____________________________________________


                                  ("Lessor")


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<PAGE>


                                   EXHIBIT A


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    Location Name    Location Address             Location City           State
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1   Farm Crest #1    2105 W. Colorado Avenue      Colorado Springs        CO
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2   Farm Crest #2    2129 Templeton Gap Road      Colorado Springs        CO
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3   Farm Crest #3    5510 S. Highway 85-87        Security                CO
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4   Farm Crest #7    8108 N. Academy Boulevard    Colorado Springs        CO
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5   Farm Crest #8    5050 Boardwalk Drive         Colorado Springs        CO
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6   Farm Crest #9    3945 Palmer Park Boulevard   Colorado Springs        CO
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7   Farm Crest #10   1989 W Mississippi Avenue    Denver                  CO
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8   Farm Crest #13   1970 S. Holly Street         Denver                  CO
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9   Farm Crest #15   11185 Ralston Road           Arvida                  CO
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10  Farm Crest #16   10798 W Jewell Avenue        Lakewood                CO
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11  Farm Crest #18   250 E. Dry Creek Road        Littleton               CO
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