AGREEMENT FOR ASSIGNMENT OF ATM SPACE LEASES

      This AGREEMENT FOR ASSIGNMENT OF ATM SPACE LEASES ("Agreement") is entered
into this 14th day of January, 2000 by and between UNIVERSAL MONEY CENTERS,
INC., a Missouri Corporation ("UMC"), and NATIONWIDE MONEY SERVICES, INC., a
Nevada Corporation ("NMS").

      WHEREAS, NMS is the tenant under ATM Space Lease Agreements ("Lease
Agreements") at eighteen (18) various locations throughout the United States
which are set forth on Exhibit A attached hereto and made a part hereof;

      WHEREAS, NMS wishes to sell, and UMC wishes to acquire, upon the terms and
conditions set forth herein, all of NMS's rights under the Lease Agreements at
all the sites, where NMS currently has placed automatic teller machines
(collectively "ATMs" and each an "ATM"), as set forth on Exhibit A hereto;

      NOW, THEREFORE, the Parties hereto agree as follows:

1.   PURCHASE. NMS hereby conveys and transfers to UMC as of the later to occur
     of January 21, 2000, 12:01 a.m. Eastern Standard Time and the date that all
     the conditions set forth in Section 4 herein are fully satisfied (the
     "Conveyance Date"), all rights NMS has under the Lease Agreements with the
     landlords at the (18) locations set forth on Exhibit A hereto
     (collectively, "Landlords" and each a "Landlord"). Pursuant to the Schedule
     1, attached hereto, NMS agrees to remove its ATMs from the locations 12
     through 18 as set forth on Exhibit A hereto ("El Paso ATMs") and will work
     with UMC to ensure UMC has assess to such sites to install its ATMs.

2.   PURCHASE PRICE.

     a.       As full payment for the rights herein transferred to UMC by NMS,
          UMC agrees to pay in cash or other immediately available funds a
          purchase price of one hundred thirty-eight thousand dollars
          ($138,000.00) (the "Total Purchase Price") to be paid as set forth
          below.

     b.       UMC agrees to pay NMS one-half (1/2) of the Total Purchase Price
          on the Conveyance Date.

     c.       UMC shall pay (as set forth below) the remainder of the Total
          Purchase Price in installments equal to the one-half (1/2) of Total
          Purchase price divided by 18 less the sum of all revenues generated by
          each ATM less the reasonable expenses incurred by NMS in connection
          with these ATMs until UMC has fully switched the processing and
          settlement systems to UMC's processing and settlement systems (each an
          "Installment Payment").

     d.       An Installment Payment shall be payable (i) for each location 12
          through 18 as set forth on Exhibit A hereto, at a reasonable time
          after UMC has placed an ATM at such


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          location and such ATM is fully installed and operational under the
          Lease Agreement and (ii) for each location 1 through 11 as set forth
          on Exhibit A hereto, at a reasonable time after UMC has switched the
          processing and settlement systems from NMS systems to UMC systems and
          has determined that the ATMs placed by NMS at such location are fully
          installed and operational under the Lease Agreement; provided,
          however, assuming that UMC has been provided reasonable access to each
          location 1 through 18 to complete the actions set forth in this
          sub-clause (d)(i) and d(ii) and notwithstanding any provision to the
          contrary, UMC shall have paid NMS all the Installment Payments by a
          date no later than 30 days from the Conveyance Date.

3.   WARRANTIES OF NMS. NMS warrants to UMC that (a) the Landlords have no right
     to regulate or approve the charges UMC assesses its customers using the
     ATMs other than as stated in the Lease Agreements, (b) NMS has valid Lease
     Agreements in full force and effect with the Landlords at the sites where
     the ATMs are located, (c) all site rental fees and other contractual
     obligations under the Lease Agreements through the Conveyance Date will
     have been paid and/or performed by NMS, (d) NMS has not assigned any of its
     rights under any Lease Agreement to any third party, (e) NMS has provided
     to UMC true and correct copies of all of the Lease Agreements, (f) none of
     the Lease Agreements requires the consent of the landlord to assign NMS's
     rights thereunder to UMC, and (g) its agreements with the Landlords do not
     expire prior to December 10, 2003.

4.   CONDITIONS. UMC's obligations under this Agreement do not become
     effective, until the following conditions are satisfied to the reasonable
     satisfaction of UMC:

     a.       On or before January 21, 2000, NMS shall have obtained and
          delivered to UMC, in substantially the form attached hereto as
          Exhibits B and C, the prior written consent of each Landlord to NMS's
          assignment of its rights and obligations under the Lease Agreements to
          UMC.

     b.       On or before January 21, 2000, UMC shall have entered into a
          sublease with NMS pursuant to which UMC will sublease on a month to
          month basis the ATMs located at locations 1 through 11 as set forth on
          Exhibit A hereto ("Subleased ATMs"). Under the sublease, UMC shall pay
          rent of $100 per month per Subleased ATM.

     c.       On or before January 21, 2000, NMS shall have obtained the prior
          written consent to the sublease of the Subleased ATMs to UMC of each
          lessor from whom NMS leases the Subleased ATMs.

5.   NO ASSUMPTION; FURTHER AGREEMENTS.

     a.       The parties agree that UMC is not assuming liabilities or
          obligations of NMS arising under the Lease Agreements prior to the
          assignment of the Lease Agreements

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<PAGE>

          hereunder or arising out of or relating to any act or omission of NMS
          prior to the assignment of the Lease Agreements hereunder.

     b.       NMS shall be solely responsible for, and UMC shall have no
          responsibility for, (i) any damage to the El Paso ATMs removed from
          the locations 12 through 18, which occurs prior to, during or after
          such removal; or (ii) any costs or expenses incurred in removing the
          El Paso ATMs.

     c.       Each party to this agreement shall be responsible for the costs
          or expenses it incurs at each location 1 through 11 as set forth on
          Exhibit A hereto for switching the processing and settlement systems
          from NMS systems to UMC systems.

6.   EFFECT OF CONVEYANCE DATE - On and after the Conveyance Date, UMC shall be
     entitled to all revenues generated by the ATMs as set forth on Exhibit A;
     provided, however, if NMS is operating any such ATM because the processing
     and settlement systems have not been switched from NMS to UMC ("NMS
     Operated ATMs"), NMS shall pay to UMC all of the revenues generated by all
     NMS Operated ATMs, less: (a) a switch and communication fee of $.10 per
     transaction per NMS Operated ATM; and (b) reasonable pass-through expenses
     consisting of fees paid to Armored Couriers and 1st- and 2nd-line providers
     and other expenses as expressly agreed in writing by the parties hereto,
     which are incurred in connection with and specifically related to a NMS
     Operated ATM; provided, further, such reasonable pass-through expenses
     shall excluded overhead, taxes, litigation, employment or general
     operational expenses.

7.   MISCELLANEOUS PROVISION. This Agreement is entered into in the State of
     Florida and the County of St. Johns, and all questions of law and fact
     shall be determined under the laws under the laws of the State of Florida
     without reference to its choice of law rules.

8.   ATTORNEY'S FEES. In the event it shall be necessary to bring legal action
     to enforce any of the terms, covenants, and conditions of this Agreement,
     the prevailing party in addition to all other appropriate relief shall be
     entitled to reasonable attorneys fees as awarded by the applicable court.

9.   AUTHORITY OF SIGNATORS. Each party signing this Agreement represents and
     warrants that the officer signing on its behalf is fully authorized to
     execute this Agreement on behalf of such party, and that this Agreement is
     fully binding on such party.

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<PAGE>

IN WITNESS WHEREOF, the parties have executed this Agreement as of the day and
year first above written.


     UNIVERSAL MONEY CENTERS, INC. ("UMC")




              /s/ David S. Bonsal
     BY:     ______________________________
     NAME:   David S. Bonsal
     TITLE:  Chief Executive Officer



     NATIONWIDE MONEY SERVICES, INC. ("NMS")


              /s/ Nationwide Money Services
     BY:     ______________________________
     NAME:   ______________________________
     TITLE:  ______________________________



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<PAGE>


                                   EXHIBIT A


--------------------------------------------------------------------------------
    Location Name    Location Address             Location City           State
--------------------------------------------------------------------------------
1   Farm Crest #1    2105 W. Colorado Avenue      Colorado Springs        CO
--------------------------------------------------------------------------------
2   Farm Crest #2    2129 Templeton Gap Road      Colorado Springs        CO
--------------------------------------------------------------------------------
3   Farm Crest #3    5510 S. Highway 85-87        Security                CO
--------------------------------------------------------------------------------
4   Farm Crest #7    8108 N. Academy Boulevard    Colorado Springs        CO
--------------------------------------------------------------------------------
5   Farm Crest #8    5050 Boardwalk Drive         Colorado Springs        CO
--------------------------------------------------------------------------------
6   Farm Crest #9    3945 Palmer Park Boulevard   Colorado Springs        CO
--------------------------------------------------------------------------------
7   Farm Crest #10   1989 W Mississippi Avenue    Denver                  CO
--------------------------------------------------------------------------------
8   Farm Crest #13   1970 S. Holly Street         Denver                  CO
--------------------------------------------------------------------------------
9   Farm Crest #15   11185 Ralston Road           Arvida                  CO
--------------------------------------------------------------------------------
10  Farm Crest #16   10798 W Jewell Avenue        Lakewood                CO
--------------------------------------------------------------------------------
11  Farm Crest #18   250 E. Dry Creek Road        Littleton               CO
--------------------------------------------------------------------------------
12  HOWDY'S #1       1100 Airway Boulevard        El Paso                 TX
--------------------------------------------------------------------------------
13  HOWDY'S #3       1095 Sunland Park            El Paso                 TX
--------------------------------------------------------------------------------
14  HOWDY'S #4       7301 N. Loop                 El Paso                 TX
--------------------------------------------------------------------------------
15  HOWDY'S #5       1130 Joe Battle Boulevard    El Paso                 TX
--------------------------------------------------------------------------------
16  HOWDY'S #7       12165 Montwood Boulevard     El Paso                 TX
--------------------------------------------------------------------------------
17  HOWDY'S #8       6990 N. Desert Boulevard     El Paso                 TX
--------------------------------------------------------------------------------
18  HOWDY'S #9       10701 Gateway Boulevard S.   El Paso                 TX
--------------------------------------------------------------------------------


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                                   EXHIBIT B

[NMS - Letterhead]


January __, 2000


Mr. Terry D. Calhoun
Retail Supervisor
Transmountain Oil Company
6767 Gateway West
El Paso, Texas 79925


Dear Mr. Calhoun:

In January of 1999, Nationwide Money Services, Inc. ("NMS") relocated its
corporate offices from Calabasas, California to Ponte Vedra, Florida. With the
bulk of its business, including over 95% of its ATM network, located east of the
Mississippi River, this move was made to better service its existing business
while simultaneously expanding the business.

Subsequently, over the past few months, NMS has reviewed all facets of its
business and business strategy with an eye towards the 21st century. Many
difficult decisions have been made with the intent to reorganize, redesign and
rededicate human and financial resources.

As part of this detailed analysis, NMS has decided to concentrate it resources
east of the Mississippi River. Therefore, NMS believes that it is in the best
interest of all parties to assign the Space Lease Agreement (the "Agreement") by
and between Nationwide Money Services, Inc. and Transmountain Oil Company (d/b/a
Howdy's) to another qualified ATM provider.

After discussions with several companies, NMS has chosen Universal Money Center,
Inc. ("Universal") of Mission, Kansas as the company to which recommends the
assignment of the Agreement. Universal is a reputable provider of ATM services
with outstanding leadership from its management. NMS believes that Universal
will continue to provide a high level of service to Howdy's with a seamless
transition.

This decision to assign the Agreement is solely a business decision and in no
way reflects upon the relationship between NMS and Howdy's.

A representative of Universal will be contacting you to discuss a plan for a
smooth and timely transition which will include the installation of upgraded
ATMs.


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<PAGE>



Thank you for your understanding and consideration in this transaction.

Sincerely,



Craig Patrick
Regional Manager


ACKNOWLEDGEMENT AND CONSENT

Transmountain Oil Company (d/b/a Howdy's) ("Landlord") acknowledges receipt of
the attached Letter dated January __, 2000 from Mr. Craig Patrick of Nationwide
Money Services, Inc. ("NMS") to Mr. Terry D. Calhoun of Landlord and consents to
the assignment of Nationwide Money Services, Inc.'s rights, title and interests
under the Space Lease Agreement with Landlord to Universal Money Services, Inc.
("Universal") and consents and agrees that as of as the date of its signature
hereunder to give Universal reasonable access to the sites subject to such Space
Lease Agreement.

Date: _________________

                          Transmountain Oil Company (d/b/a Howdy's)


                          By:    ___________________________________________

                          Name:  ___________________________________________

                          Title: ___________________________________________


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                                   EXHIBIT C

[NMS - Letterhead]

January __, 2000


Mr. Jack Rowland
District Manager
Farm Crest Milk Stores
_____________, Colorado  ___________


Dear Mr. Rowland,

In January of 1999, Nationwide Money Services, Inc. ("NMS") relocated its
corporate offices from Calabasas, California to Ponte Vedra, Florida. With the
bulk of its business, including over 95% of its ATM network, located east of the
Mississippi River, this move was made to better service its existing business
while simultaneously expanding the business.

Subsequently, over the past few months, NMS has reviewed all facets of its
business and business strategy with an eye towards the 21st century. Many
difficult decisions have been made with the intent to reorganize, redesign and
rededicate human and financial resources.

As part of this detailed analysis, NMS has decided to concentrate it resources
east of the Mississippi. Therefore, NMS believes that it is in the best interest
of all parties to assign the Space Lease Agreement (the "Agreement") by and
between Nationwide Money Services, Inc. and Farm Crest Milk Stores ("Farm
Crest") to another qualified ATM provider.

After discussions with several companies, NMS has chosen Universal Money Center,
Inc. ("Universal") of Mission, Kansas as the company to which it will assign the
Agreement. Universal is a reputable provider of ATM services with outstanding
leadership from its management. NMS believes that Universal will continue to
provide a high level of service to Farm Crest with a seamless transition.

This decision to assign the Agreement is solely a business decision and in no
way reflects upon the relationship between NMS and Farm Crest.

A representative of Universal will be contacting you to discuss a plan for a
smooth and timely transition.


                                      -8-
<PAGE>


Thank you for your understanding and consideration in this transaction.

Sincerely,



Craig Patrick
Regional Manager



ACKNOWLEDGEMENT AND CONSENT

Farm Crest Milk Stores ("Landlord") acknowledges receipt of the attached Letter
dated January __, 2000 from Mr. Craig Patrick of Nationwide Money Services, Inc.
("NMS") to Mr. Jack Rowland of Landlord, consents to the assignment of
Nationwide Money Services, Inc.'s rights, title and interests under the Space
Lease Agreement with Landlord to Universal Money Services, Inc. ("Universal")
and consents and agrees that as of as the date of its signature hereunder to
give Universal reasonable access to the sites subject to such Space Lease
Agreement.

Date: _________________

                          Farm Crest Milk Stores


                          By:    ___________________________________________

                          Name:  ___________________________________________

                          Title: ___________________________________________




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