Exhibit 10.a(iv)

                            OFFICE OF THE UNDERSIGNED



October 12, 1998



Mr. Eric I. Wekilsky
ATS Money Systems
25 Rockwood Place
Englewood, NJ 07631

Re:      Fourth Amendment of Lease
         Premises: 25 Rockwood Place
         Englewood, New Jersey

Dear Mr. Wekilsky:

Enclosed for your file is one (1) fully executed original Fourth Amendment of
Lease and Letter Agreement dated August 12, 1998 for the above-captioned
premises.

If you have any questions, please feel free to contact me.

Very truly yours,



ROCKWOOD PROPERTY HOLDING, LLC
By: Rockwood Holding Corp.,
Its Managing Member


By:
    --------------------------------
         Joel Zbar
         Chief Financial Officer


JZ:dm
Encs.


   72 ESSEX STREET SUITE ONE LODI, NJ 07644 (201) 368-9300 FAX: (201) 368-9069


<PAGE>


                        FOURTH AMENDMENT OF LEASE


DATE:                   as of June 26, 1998

LESSOR:                 Rockwood Property Holding LLC
                        a New Jersey limited liability company

LESSEE:                 ATS Money Systems, Inc.
                        a Nevada corporation

ADDRESS OF LESSEE:      25 Rockwood Place
                        Englewood, New Jersey

LEASE DATE:             November 30, 1989

DATE OF PRIOR
AMENDMENTS:             November 30, 1989; December 1, 1992; September 15, 1995

         Lessor and Lessee, being bound unto a lease, dated the Lease Date, for
a portion of the Building (as amended, the "Lease"), (all words and terms used
in this Amendment and not otherwise defined shall have the respective meanings
ascribed to them under the Lease), hereby agree to further modify and amend the
Lease in the following manner:

         1. Demised Premises or Premises. This Fourth Amendment of Lease shall
become effective on the date stipulated by written notice to Lessee from Lessor
indicating that Lessor's work is substantially completed on the Second Expansion
Space (defined below) (the "Effective Date"). Lessor's Work shall be deemed
substantially completed if any of the completion of Lessor's Work will not
unreasonably interfere with Lessee's business and notwithstanding that minor
punch list items remain to be completed after delivery of the Demised Premises.
Lessor shall have fifteen (15) days to complete the minor punch list items.
Paragraph (7) of the Preamble to the Lease is modified to provide that the
Demised Premises shall be increased by approximately 2,160 gross rentable square
feet of additional space on the third (3rd) floor of the Building (the "Second
Expansion Space"), as shown on Exhibit A annexed hereto and made a part hereof,
and the Demised Premises shall be approximately 10,5 10 gross rentable square
feet on the third (3rd) floor of the Building, which size is stipulated and
agreed to by the parties.

         2. Lessor's Work. Lessor agrees, that at Lessor's expense, it will
substantially complete all of the work in accordance with Exhibit B, annexed
hereto and made a part hereof ("Lessor's Work"). Except as set forth in Exhibit
B, Lessor shall have no obligation to perform any other work to the Demised
Premises. As to Lessor's Work in the existing space, if Lessor fails to
substantially complete Lessor's Work within 60 days of the Effective Date
(provided Lessee does not interfere in completion of Lessor's Work, as noted
below), Lessee shall receive a rent credit of $2,261.46 per month until Lessor's
Work in the existing space is substantially completed. Lessee shall give Lessor
full access to the existing space weekdays from 6:00 p.m. to 7:00 a.m. and at
all times on weekends. If Lessee reduces the scope of Lessor's Work, including
overhead profit and architectural fees pursuant to Exhibit "B", Lessee will be
entitled to a rent credit based on the unit cost of such decrease in the scope
of work in an amount not to exceed $25,000.00. If Lessee increases scope of work
all additional expenses shall be at Lessee's expense.

         3. Term. The Term of the Lease is hereby extended for an additional
period of five (5) years. The Termination Date shall now be February 28, 2004.
Such extension shall be upon the same terms, conditions and provisions, except
as expressly modified hereby. The Term of the Lease (defined in Paragraph (15)
of the Preamble to the Lease) and the Termination Date of the Lease (defined in
Paragraph (16) of the Preamble to the Lease) shall be deemed to have been
adjusted accordingly.



<PAGE>


         4. Option to Renew. All references to options to renew the Lease
wherever provided in the Lease or prior amendments are hereby deleted in its
entirety and the following substituted therefor. Lessee shall have the right to
extend the term of the Lease for one additional five (5) year period on the
following terms and conditions:

         (a) On or before nine (9) months prior to the Expiration Date of the
Lease, Lessee shall provide written notice of its intent to extend the Lease for
an additional five-year term "Renewal Period").

         (b) Provided Lessee is not in default of the Lease, the Lease shall be
extended for five years ending on the fifth anniversary of the Expiration Date
("Renewal Expiration Date") with all terms and conditions remaining the same
except the Fixed Rent for the entire renewal term shall be the greater of
either:

             (i)  110%  per  year of the then  current  Fixed  Rent for the last
                  lease year preceding the Expiration Date; or
             (ii) Fair Market Rental Value,  as defined  below  ("Renewal  Fixed
                  Rent").

         (c) "Fair Market Rental Value" shall deemed to be the fair market value
of the  Premises  on the  Expiration  Date.  Fair Market  Rental  Value shall be
determined by the following procedure:

             (i)  Lessor and Lessee  shall  attempt to mutually  determine  Fair
                  Market  Rental  Value  within  thirty  (30)  days of  Lessee's
                  notice.

             (ii) If the parties cannot  mutually agree as to Fair Market Rental
                  Value within said thirty (30) days,  then each shall designate
                  a  disinterested  appraiser of recognized  competence  for the
                  rentals of space similar to the Demised  Premises (for similar
                  uses) in office buildings comparable to the building ("Initial
                  Appraisers").

         The  Initial  Appraisers  shall  attempt to agree upon the Fair  Market
Rental Value for the Renewal Period and any such agreed Fair Market Rental Value
shall be  conclusive  for purposes  hereof.  If either Lessor or Lessee fails to
designate an appraiser, the determination of the Fair Market Rental Value by the
appraiser designated by the other party shall be conclusive for purposes hereof.
If the Initial  Appraisers  cannot so agree within  thirty (30) days after their
appointment,   they  shall  designate  another  such   disinterested   appraiser
("Additional  Appraiser") and the Additional  Appraiser's  determination  of the
Fair Market Rental Value shall be conclusive on both Lessor and Lessee.

         Upon  determination  of the Fair Market Rental Value, the parties shall
then enter into a  modification  of this  Lease  incorporating  the terms of the
Renewal.  The form and content of such modification of Lease shall be reasonably
acceptable to both parties.

         5. RIGHT OF FIRST REFUSAL TO LEASE ADDITIONAL SPACE.  Lessor and Lessee
hereby desire to reaffirm  Paragraph 55 of the Lease except that the  definition
of Vacant  Space is hereby  modified  to be only that  space  contiguous  to the
Demised  Premises on the third (3rd) floor. The rights to lease any Vacant Space
remains  specifically  contingent on any prior rights of any other tenants prior
to the date hereof.

         6. LESSEE'S  PERCENTAGE.  Commencing the Effective Date, Paragraph (10)
of the Preamble to the Lease is modified to provide that the Lessee's Percentage
shall be 11.9%,  which  percentage  is  stipulated  and agreed to by the parties
hereto,  and shall not be subject to  adjustment as provided in Paragraph 42 (E)
of the Lease.

         7. BASE PERIOD COSTS.  Commencing the Effective Date,  Paragraph (2) of
the  Preamble to the Lease shall be modified to provide  that Base Period  Costs
shall mean as to the following:

             (A)  BASE OPERATING  COSTS:  Those costs incurred  during  Calendar
                  Year 1997.

             (B)  BASE REAL ESTATE TAXES:  Those Real Estate Taxes determined by
                  multiplying  the average tax rate in effect for Calendar  Year
                  1997  multiplied by the  assessment  for the Building Area and
                  Building.



<PAGE>

             (C)  BASE  UTILITY  AND ENERGY  COSTS:  Those costs  determined  by
                  multiplying  the usage  incurred for the Building and Building
                  Area  during   Calendar  Year  1997  by  the  rate  in  effect
                  (including  surcharges and/or adjustments) during January 1997
                  (herein "Base Utility Rate").

         8. FIXED BASIC RENT.  Commencing the Effective  Date,  Paragraph (9) of
the  Preamble to the Lease is hereby  modified  to provide  that the Fixed Basic
Rent shall be payable as follows:

             YEARLY RATE       MONTHLY RATE     PERIOD
             -----------       ------------     ------

             $239,102.50       $19,925.21       Effective Date - 12/31/00

              249,612.50        20,801.04       1/1/O1 - 2/28/04


         9. SECURITY DEPOSIT.  Upon execution of this Fourth Amendment of Lease,
Lessee will pay to Lessor an additional  Security  Deposit of  $24,100.42  for a
total Security Deposit of $39,850.42. The Security Deposit (defined in Paragraph
(14) of the  Preamble  to the  Lease)  shall be  deemed  to have  been  adjusted
accordingly.

         10.  RIGHT TO  TERMINATE.  In the event the Lessor  cannot  deliver the
Second Expansion Space to Lessee with the Lessor' Work  substantially  completed
by February 28, 1999,  Lessee  shall be entitled to give Lessor  written  notice
that it will not  accept  the  Second  Expansion  Space.  Lessee  must  give the
required  notice to Lessor on or before the close of  business on March 5, 1999.
If Lessee timely  exercises its right not to accept the Second  Expansion Space,
the Lease will automatically renew for a period of five (5) years with all terms
and conditions remaining the same except the rental amounts will be as follows:

             YEARLY RATE       MONTHLY RATE     PERIOD
             -----------       ------------     ------

             $189,962.50       $15,830.21       3/1/99 - 12/31/00
              198,312.50        16,526.04       1/1/O1 - 2/28/04

         Lessor  will  complete  Lessor's  Work  pursuant  to Exhibit B attached
hereto for the existing space only.

         However,  if Lessor is unable to deliver the Second  Expansion Space by
February 28, 1999,  and if Lessee gives written notice to terminate the Lease to
Lessor by March I5, 1999,  the Lease  Termination  Date shall be August 31, 1999
and Lessee shall vacate the Demised Premises pursuant to the terms of the Lease.
In that event,  Lessor shall not be  obligated  to perform any of Lessor's  Work
pursuant to Exhibit B attached hereto.

         11. PARKING  SPACES.  Parking spaces shall mean a total of thirty-eight
(42) spaces,  assigned  and  unassigned  (paragraph  (12) of the Preamble to the
Lease is modified accordingly):

                    (A) Assigned: Eleven (11)
                    (B) Unassigned: Twenty-seven (31).

         12. BROKERAGE  COMMISSION.  It is agreed by the parties hereto that all
brokerage  commission,  due in  connection  with the Fourth  Amendment of Lease,
shall be paid by Lessor.

         13.  INTERPRETATION.  In the event of any inconsistencies  between this
Fourth  Amendment of Lease and the Lease,  this  Amendment of Lease shall govern
and be binding.  All words and terms used in this  Amendment  and not  otherwise
defined  shall have the  respective  meanings  ascribed to them under the Lease.
This Amendment was drafted by Lessor as a matter of convenience and it shall not
be construed for or against either party on that account. To the extent that the
context  requires it, the Lease and prior  amendments are hereby deemed modified
by the terms of this Amendment.

         14.  RATIFICATION OF LEASE. Except as expressly modified and amended in
this Fourth Amendment of Lease,  all of the terms,  provisions and conditions of
the Lease are hereby ratified and confirmed by Lessor and Lessee.

         15. BINDING EFFECT.  This Fourth  Amendment of Lease shall inure to the
benefit of and be binding  upon the parties  hereto and their  respective  legal
representatives, successors and permitted assigns.


<PAGE>

IN WITNESS WHEREOF, the parties have set their hands and seals the date above
first written.

WITNESS :                                   ROCKWOOD PROPERTY HOLDING, LLC
                                            By: Rockwood Holding Corp.,
                                            its Managing Member

                                            By:
---------------------------                     --------------------------------
                                                   Jeffery E. Cole, President

ATTEST:                                     ATS MONEY SYSTEMS, INC.



                                            By:
---------------------------                     --------------------------------
                                                   Name:
                                                   Title:


<PAGE>


                               STERLING MANAGEMENT
                                 72 ESSEX STREET
                                 LODI, NJ 07644

                                 LANDLORDS WORK

                                    EXHIBIT B
                                   PAGE 1 OF 1

Landlord shall:

Landlord shall provide turn-key installation using enclosed space plan.

         1) Landlord to construct  space  according to using  building  standard
materials and finishes as per Dahn & Krieger sketch dated 3-4-98 SK1*.  Landlord
will not prepare construction drawings until it has received written notice from
Tenant to do so.

         2) Landlord to paint and carpet using  building  standard  materials in
existing and expansion space.

         3) Landlord to install five (5) power poles as per attached sketch.

         4) Landlord to install  electrical  outlets as per a mutually agreeable
space plan in the expansion & existing space.

         4)  Landlord  to replace any  damaged  ceiling  tiles in  existing  and
expansion space.

         5) Landlord to balance  building HVAC system after  Landlord's  work is
complete and following Landlord's repair to existing 3rd floor HVAC system.

                  * As Modified by the sketch attached to exhibit B

         Notwithstanding  anything contained herein or in the Lease Agreement to
the contrary,  landlord  shall have no obligation to perform any work for Tenant
in connection with the preparation of the space for the Tenant's occupancy other
than as is specifically set forth above.

         6) 2 cabinets in software  development  to be relocated  to  conference
room as stated on sketch 3-4-98 SK1


<PAGE>



OFFICE OF THE UNDERSIGNED


August 12, 1998


Mr. Gerry Murphy
ATS Money Systems, Inc.
Rockwood Four Office Center
25 Rockwood Place Englewood, NJ 07631

                  Re:      Fourth Amendment of Lease between
                           Rockwood Property Holding, LLC ("Lessor") and
                           ATS Money Systems, Inc. ("Lessee")

Dear Mr. Murphy:

         Pursuant to the Fourth Amendment of Lease dated as of June 26, 1998
("Amendment"), Lessee agrees to pay to Lessor $5,000.00 upon commencement of
work contemplated herein as Lessee's contribution to the cost of Lessor's Work.
The attached Exhibit "B" is made part of the Exhibit "B" attached to the
Amendment. Lessee further agrees if Lessee increases the scope of Lessor's Work
beyond the revised Exhibit "B", all additional expenses shall be at Lessee's
expense.

Very truly yours,

ROCKWOOD PROPERTY HOLDING, LLC
By: Rockwood Holding Corp.,
its Managing Member



By:
    --------------------------------
         Joel Zbar
         Chief Financial Officer

Agreed and Accepted this 25th day of
August, 1998
ATS Money Systems, Inc.


By:
    --------------------------------
    Name:   Gerry Murphy
    Title:  President/CEO


   72 ESSEX STREET SUITE ONE LODI, NJ 07644 (201) 368-9300 FAX: (201) 368-9069