PROMISSORY NOTE

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Principal    Loan Date   Maturity    Loan No     Call Collateral Account Officer
$149,480.00  04-09-1998  04-01-2003  6717598-003  60     24       65175     CK

Initials

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  References in the shaded area are for  Lender's  use only and do not limit the
     applicability of this document to any particular loan or item.
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Borrower: UNIVERSAL MONEY CENTERS, INC. (TIN:   Lender: BANK 21
          43-124819)                                    ONE WEST WASHINGTON ST.
          6800 SQUIBB ROAD, P.O. BOX 29153              P.O. BOX 7
          SHAWNEE MISSION, KS  66201-9153               CARROLL, MO 64663-0007
================================================================================

Principal Amount: $149,480.00                             Interest Rate: 10.500%
Date of Note:  April 9, 1998

PROMISE TO PAY. UNIVERSAL MONEY CENTERS,  INC.  ("Borrower")  promises to pay to
BANK 21 ("Lender"),  or order,  in lawful money of the United States of America,
the principal  amount of One Hundred  Forty Nine Thousand Four Hundred  Eighty &
00/100 Dollars ($149,480.00),  together with interest at the rate of 10.500% per
annum on the unpaid principal balance from April 9, 1998, until
paid in full.

PAYMENT.  Borrower will pay this loan on demand,  or if no demand is made, in 60
payments of $3,217.21 each payment. Borrower's first payment is due May 1, 1998,
and all  subsequent  payments  are due on the same day of each month after that.
Borrower's  final  payment  will be due on  April 1,  2003,  and will be for all
principal and all accrued interest not yet paid.  Payments include principal and
interest.  The annual interest rate for the Note is computed on a 365/360 basis;
that is, by applying  the ratio of the annual  interest  rate over a year of 360
days, multiplied by the outstanding principal balance,  multiplied by the actual
number of days the principal balance is outstanding. Borrower will pay Lender at
Lender's  address  shown above or at such other place as Lender may designate in
writing. Unless otherwise agreed or required by applicable law, payments will be
applied first to accrued unpaid interest,  then to principal,  and any remaining
amount to any unpaid collection costs and late charges.

PREPAYMENT. Borrower agrees that all loan fees and other prepaid finance charges
are  earned  fully as of the date of the loan and will not be  subject to refund
upon early  payment  (whether  voluntary or as a result of  default),  except as
otherwise  required by law.  Except for the foregoing,  Borrower may pay without
penalty  all or a portion  of the  amount  owed  earlier  than it is due.  Early
payments will not,  unless agreed to by Lender in writing,  relieve  Borrower of
Borrower's  obligation to continue to make payments under the payment  schedule.
Rather,  they will reduce the  principal  balance due and may result in Borrower
making fewer payments.

LATE  CHARGE.  If a payment  is 15 days or more late,  Borrower  will be charged
2.000% of the regularly scheduled payment or $25.00, whichever is less.

DEFAULT.  Borrower  will be in  default  if any of the  following  happens:  (a)
Borrower  fails to make any payment when due.  (b)  Borrower  breaks any promise
Borrower has made to Lender, or Borrower fails to comply with or to perform when
due any other term, obligation, covenant, or condition contained in this Note or
any agreement  related to this Note, or in any other  agreement or loan Borrower
has with Lender. (c) Any representation or statement made or furnished to Lender
by Borrower  or on  Borrower's  behalf is false or  misleading  in any  material
respect  either  now or at the time  made or  furnished.  (d)  Borrower  becomes
insolvent, a receiver is appointed for any part of Borrower's property, Borrower
makes an assignment for the benefit of creditors, or any proceeding is commenced
either by Borrower or against  Borrower under any bankruptcy or insolvency laws.
(e) Any creditor tries to take any of Borrower's  property on or in which Lender
has a  lien  or  security  interest.  This  includes  a  garnishment  of  any of
Borrower's  accounts  with Lender.  (f) Any  guarantor  dies or any of the other
events described in this default section occurs with respect to any guarantor of
this  Note.  (g) A  material  adverse  change  occurs  in  Borrower's  financial
condition,  or Lender  believes  the prospect of payment or  performance  of the
Indebtedness is impaired. (h) Lender in good faith deems itself insecure.

If any default,  other than a default in payment, is curable and if Borrower has
not been given a notice of a breach of the same  provision  of this Note  within
the  preceding  twelve (12) months it may be cured (and no event of default will
have occurred) if Borrower, after receiving written notice from Lender demanding
cure of such default:  (a) cures the default within twenty one (21) days; or (b)
if the cure requires more than twenty one (21) days, immediately initiates steps
which Lender deems in Lender's  sole  discretion  to be  sufficient  to cure the
default and  thereafter  continues and completes  all  reasonable  and necessary
steps sufficient to produce compliance as soon as reasonably practical.

LENDER'S  RIGHTS.  Upon default,  Lender may declare the entire unpaid principal
balance on this Note and all accrued unpaid interest  immediately  due,  without
notice, and then Borrower will pay that amount. Upon default,  including failure
to pay upon final maturity,  Lender, at its option, may also, if permitted under
applicable law, increase the interest rate on this Note 2.000 percentage points.
The interest rate will not exceed the maximum rate permitted by applicable  law.
Lender may hire or pay someone else to help  collect this Note if Borrower  does
not pay.  Borrower also will pay Lender that amount.  This includes,  subject to
any limits under  applicable  law,  Lender's  attorney's fees and Lender's legal
expenses whether or not there is a lawsuit,  including attorney's fees and legal
expenses for bankruptcy  proceedings  (including efforts to modify or vacate any
automatic  stay  or  injunction),  appeals,  and any  anticipated  post-judgment
collection services. If not prohibited by applicable law, Borrower also will pay
any court costs,  in addition to all other sums  provided by law.  This Note has
been  delivered to Lender and  accepted by Lender in the State of  Missouri.  If
there is a  lawsuit,  Borrower  agrees  upon  Lender"  request  to submit to the
jurisdiction of the courts of CARROLL County, the State of Missouri.  Lender and
Borrower hereby waive the right to any jury trial in any action,  proceeding, or
counterclaim  brought by either Lender or Borrower against the other.  This Note
shall be governed by and construed in  accordance  with the laws of the State of
Missouri.

DISHONORED  ITEM FEE.  Borrower  will pay a fee to Lender of $15.00 if  Borrower
makes a payment on Borrower's  loan and the check or  preauthorized  charge with
which Borrower pays is later dishonored.

RIGHT OF SETOFF.  Borrower  grants to Lender a contractual  possessory  security
interest in, and hereby  assigns,  conveys,  delivers,  pledges and transfers to
Lender all Borrower's right,  title and interest in and to, Borrower's  accounts
with  Lender  (whether  checking,  savings,  or some other  account),  including
without  limitation all accounts held jointly with someone else and all accounts
Borrower may open in the future,  excluding  however all IRA and Keogh accounts,
and all trust  accounts  for which the  grant of a  security  interest  would be
prohibited  by law.  Borrower  authorizes  Lender,  to the extent  permitted  by
applicable  law, to charge or setoff all sums owing on this Note against any and
all such accounts.

GENERAL  PROVISIONS.  This Note is payable on demand.  The inclusion of specific
default  provisions  or rights of Lender  shall not preclude  Lender's  right to
declare payment of this Note on its demand.  Lender may delay or forgo enforcing
any of its rights or remedies under this Note without losing them.  Borrower and
any other  person who signs,  guarantees  or endorses  this Note,  to the extent
allowed by law,  waive  presentment,  demand for payment,  protest and notice of
dishonor.  Upon any  change  in the terms of this  Note,  and  unless  otherwise
expressly  stated in  writing,  no party who signs this Note,  whether as maker,
guarantor,  accommodation  maker or endorser,  shall be released from liability.
All such parties agree that Lender may renew or extend  (repeatedly  and for any
length of time) this loan, or release any party or guarantor or  collateral;  or
impair,  fail to  realize  upon or perfect  Lender's  security  interest  in the
collateral;  and take any other action  deemed  necessary by Lender  without the
consent  of or notice to anyone.  All such  parties  also agree that  Lender may
modify this loan without the consent of or notice to anyone other than the party
with whom the modification is made.

PRIOR TO  SIGNING THIS NOTE,  BORROWER READ AND  UNDERSTOOD  ALL THE  PROVISIONS
OF THIS   NOTE.  BORROWER  AGREES  TO THE  TERMS OF THE  NOTE  AND  ACKNOWLEDGES
RECEIPT OF A COMPLETED COPY OF THE NOTE.

ORAL AGREEMENTS OR COMMITMENTS TO LOAN MONEY,  EXTEND CREDIT OR TO FOREBEAR FROM
ENFORCING  REPAYMENT OF A DEBT  INCLUDING  PROMISES TO EXTEND OR RENEW SUCH DEBT
ARE NOT  ENFORCEABLE.  TO  PROTECT  YOU  (BORROWER(S))  AND US  (CREDITOR)  FROM
MISUNDERSTANDING  OR  DISAPPOINTMENT,  ANY  AGREEMENTS  WE REACH  COVERING  SUCH
MATTERS ARE  CONTAINED IN THIS  WRITING,  WHICH IS THE  COMPLETE  AND  EXCLUSIVE
STATEMENT OF THE  AGREEMENT  BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING
TO MODIFY IT.

BORROWER:

UNIVERSAL MONEY CENTERS, INC.

By: /s/ Dave A. Windhorst               By: /s/ Pamela A. Glenn
   -----------------------------------     ------------------------------------

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Fixed Rate. Installment   LASER PRO, Reg. U.S. Pat. & T.M. Off., Ver. 3.24(C)
1998 CFI ProServices, Inc.  All rights reserved.  [MO-D20 F3.24a  UNIVM8AC.LN]