Exhibit 10.2
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                              LEASE SCHEDULE
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LEASE SCHEDULE NO.     003                  Dated As Of:   JUNE 2, 1999
                 -----------------------                ------------------------

UNDER MASTER LEASE AGREEMENT NO. 5002182    Dated As Of:   JANUARY 18, 1999
                                --------                ------------------------

This Lease Schedule between Dana Commercial  Credit  Corporation  ("Lessor") and
UNIVERSAL  MONEY  CENTERS,  INC.  ("Lessee") is executed  pursuant to the Master
Lease Agreement  referenced above ("Master Lease"),  the terms and conditions of
which are  incorporated  herein by reference  and shall be deemed a part of this
Lease Schedule.  The equipment  described in Schedule A hereto ("the Equipment")
is leased  pursuant to the terms and  conditions of this Lease  Schedule and the
Master  Lease.  This Lease  Schedule  shall be deemed a separate  instrument  of
lease.  Capitalized  terms used without  definition in this Lease Schedule shall
have the meanings ascribed to them in the Master Lease.
--------------------------------------------------------------------------------

Equipment  Location:Stated  on  Schedule  A,  attached  hereto and  incorporated
herein.

Stipulated  Loss Value:  Stated on Exhibit 1, attached  hereto and  incorporated
herein.

Acceptance Date: As stipulated on the Acceptance  Certificate  referring to this
Lease Schedule to be separately  executed by Lessee upon delivery and acceptance
of the Equipment and acknowledged by Lessor.

Lease Term:  Commences on the Acceptance  Date and continues 60 months after the
Basic Rent Commencement Date.

Basic Rent  Commencement  Date: 1st day of the month  immediately  following the
Acceptance Date of the Lease Schedule.

Classification of Equipment: 5 year property.

Rent: An amount equal to the sum of:

           (i)  Interim  Rent in an amount  equal to  1/30th  of the Basic  Rent
      (defined  below)  multiplied  by the number of days from and including the
      Acceptance Date to the Basic Rent Commencement Date, which amount shall be
      payable on the Basic Rent Commencement Date and

           (ii) 60  monthly  rental  payments  each in the  amount of  $1,595.83
      ("Rent")  plus any  applicable  sales/use  tax and other charges under the
      Master  Lease  and  this  Lease  Schedule  commencing  on the  Basic  Rent
      Commencement  Date  and on the  1st day of each  month  thereafter  ("Rent
      Payment Date") for the entire Lease Term.

The  parties  agree that this lease is a  "finance"  lease as defined by Article
2A-103(g) of the Uniform Commercial Code. Lessee acknowledges that it has either
(a)  received,  reviewed  and  approved  any written  supply  contract  from the
manufacturer  or supplier  ("Supplier")  covering the Equipment  purchased  from
Supplier by Lessor for lease to Lessee,  or (b) been informed of the identity of
the Supplier  covering the  Equipment,  that it may have rights under the supply
contract and that Lessee may contact Supplier for description of such rights.

This Lease Schedule will apply only to Equipment  accepted on or before JUNE 30,
1999.

Dated as of  JUNE 2, 1999.            By execution hereof, the signer certifies
             ------                   that he/she has read, accepted and duly
                                      executed this Lease Schedule to the
                                      Master Lease on behalf of Lessee.

LESSOR:  Dana Commercial Credit       LESSEE:  UNIVERSAL MONEY CENTERS, INC.
Corporation                                    ---------------------------------


By:                                   By: /s/ David S. Bonsal
     --------------------------          ---------------------------------------
     Title:                              Title: Chief Executive Officer


<PAGE>

<TABLE>
<CAPTION>

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                              SCHEDULE A EQUIPMENT
------------------------------------------------------------------------------------------------------------------------------------


LEASE SCHEDULE NO.:  003            DATED AS OF:         JUNE 2, 1999
                   ------------                  -----------------------------

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

QTY.  MANUFACTURER, MODEL NUMBER AND                 SERIAL     ADDRESS              CITY              STATE  ZIP    PURCHASE PRICE
      DESCRIPTION                                    NO.
------------------------------------------------------------------------------------------------------------------------------------
  <S> <C>                                            <C>         <C>                 <C>               <C>    <C>    <C>

  1   NCR 5870 "LITE" FREESTANDING CASH DISPENSER    33273121   6800 Squibb Road     Shawnee Mission   KS     66202   $8,400.00
  1   NCR 5870 "LITE" FREESTANDING CASH DISPENSER    33273125                                                         $8,400.00
  1   NCR 5870 "LITE" FREESTANDING CASH DISPENSER    33273126                                                         $8,400.00
  1   NCR 5870 "LITE" FREESTANDING CASH DISPENSER    33273127                                                         $8,400.00
  1   NCR 5870 "LITE" FREESTANDING CASH DISPENSER    33273132                                                         $8,400.00
  1   NCR 5870 "LITE" FREESTANDING CASH DISPENSER    33727134                                                         $8,400.00
  1   NCR 5870 "LITE" FREESTANDING CASH DISPENSER    33273135                                                         $8,400.00
  1   NCR 5870 "LITE" FREESTANDING CASH DISPENSER    33273138                                                         $8,400.00
  1   NCR 5870 "LITE" FREESTANDING CASH DISPENSER    33273140                                                         $8,400.00
  1   NCR 5870 "LITE" FREESTANDING CASH DISPENSER    33273148                                                         $8,400.00

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

                                                                                                                   TOTAL: $84,000.00
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</TABLE>

                               Page 1 of 1


<PAGE>


                             STIPULATED LOSS VALUE
                                   EXHIBIT 1
                         UNIVERSAL MONEY CENTERS, INC.
                              LEASE NO. 502182-003








Period          $ Amount       Period          $ Amount
------          --------       ------          --------

 1              85,617.99        31            52,940.48
 2              84,706.63        32            51,680.96
 3              83,775.18        33            50,410.19
 4              82,834.21        34            49,134.52
 5              81,883.69        35            47,847.52
 6              80,912.86        36            46,555.53
 7              79,932.32        37            45,252.11
 8              78,942.00        38            43,937.21
 9              77,941.87        39            42,617.18
10              76,925.97        40            41,285.57
11              75,900.11        41            39,942.33
12              74,858.36        42            38,593.80
13              73,806.51        43            37,233.55
14              72,744.52        44            35,861.51
15              71,666.43        45            34,477.62
16              70,578.05        46            33,088.23
17              69,479.34        47            31,686.90
18              68,364.33        48            30,279.98
19              67,238.85        49            28,861.02
20              66,102.82        50            27,429.97
21              64,956.20        51            25,993.16
22              63,800.72        52            24,544,16
23              62,634.55        53            23,082.90
24              61,459.42        54            21,815.73
25              60,273.49        55            20,136.20
26              59,076.69        56            18,644.26
27              57,870.78        57            17,139.83
28              56,653.90        58            15,635.06
29              55,425.99        59            14,117.73
30              54,188.80        60            12,600.00



<PAGE>





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                             ACCEPTANCE CERTIFICATE
--------------------------------------------------------------------------------

TO LEASE SCHEDULE NO.     003                  DATED AS OF JUNE 2, 1999
                      --------------------                 ---------------------

("LEASE SCHEDULE") UNDER MASTER LEASE NO.5002182 DATED AS OF JANUARY 18, 1999
                                         -------             -------------------

("MASTER  LEASE")  BETWEEN DANA  COMMERCIAL  CREDIT  CORPORATION  ("LESSOR") AND
UNIVERSAL MONEY CENTERS, INC. ("LESSEE").
-----------------------------


1.  EQUIPMENT.  Lessee  hereby  acknowledges  that the  Equipment  set forth and
described on the Lease Schedule,  which description is fully incorporated herein
and made part hereof in its  entirety,  has been  delivered  to the  location(s)
indicated in such Lease  Schedule,  where  applicable,  installed  and otherwise
serviced and completed to the Lessee's satisfaction,  inspected by Lessee, found
to be in  good  operating  order  and  condition  and  in  compliance  with  all
specifications of Lessee,  and has been  unconditionally  accepted by the Lessee
under the Master Lease and Lease Schedule,  all on the Acceptance Date set forth
below.  Lessee hereby agrees to faithfully  perform all of its obligations under
the Master Lease and Lease  Schedule and reaffirms,  as of the date hereof,  its
representations  and warranties as set forth in the Master Lease. Lessee further
reaffirms  that Lessee has reviewed and approved the purchase order or agreement
with each Supplier covering the Equipment to be purchased by Lessor for lease to
Lessee,  or that Lessee  knows the identity of each  Supplier,  that it may have
rights under any Supply contract from the Supplier,  and that Lessee may contact
Supplier for a  description  of any such rights.  Lessee hereby  authorizes  and
directs  Lessor to make payments to each  Supplier of the Equipment  pursuant to
such Supplier's invoice or any purchase order or agreement with such Supplier.

2. LESSEE  ACKNOWLEDGMENTS.  Lessee  hereby  acknowledges  its  agreement to pay
Lessor rental payments, as set forth in the Lease Schedule,  plus any applicable
taxes,  together with all other taxes,  costs,  expenses and charges  whatsoever
which Lessee is required to pay pursuant to the Master Lease and Lease Schedule,
in each  instance  at the times and in the manner set forth in the Master  Lease
and the Lease Schedule,  respectively.  Lessee further  acknowledges  and agrees
that the rental payments shall be as set forth on the Lease Schedule.

3.  ACCEPTANCE DATE:

                , 19           LESSEE:  UNIVERSAL MONEY CENTERS, INC.
----------------    -----


                               By:
                                   ---------------------------------------------

                                   ---------------------------------------------
                                   NAME TYPEWRITTEN OR PRINTED

                               Title:
                                     -------------------------------------------

ACKNOWLEDGED THIS
                  ----------------
DAY OF               , 19
       --------------    ---------
DANA COMMERCIAL CREDIT CORPORATION

By:
     -----------------------------

Title:
      ----------------------------