COMMERCIAL SECURITY AGREEMENT
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Principal   Loan Date Maturity Loan No    Call Collateral Account Officer 
$149,480.00 4-9-1998  4/1/2003 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: UNIVERSALE MONEY CENTER, INC.     Lender: BANK 21
           (TIN: 43-1242819)                         ONE WEST WASHINGTON ST
           6800 SQUIBB ROAD, P.O. BOX 29153          P.O. BOX 7
           SHAWNEE MISSION, KS 66201-9153            CARROLL, MO  64633-0007
===============================================================================

THIS  COMMERCIAL  SECURITY  AGREEMENT is entered into  between  UNIVERSAL  MONEY
CENTERS,  INC. (referred to below as "Grantor");  and BANK 21 (referred to below
as "Lender").  For valuable  consideration,  Grantor grants to Lender a security
interest in the  Collateral  to secure the  Indebtedness  and agrees that Lender
shall have the rights stated in this Agreement  with respect to the  Collateral,
in addition to all other rights which Lender may have by law.

DEFINITIONS.  The following words shall have the following meanings when used in
this  Agreement.  Terms not otherwise  defined in this Agreement  shall have the
meanings attributed to such terms in the Uniform Commercial Code. All references
to dollar  amounts  shall mean amounts in lawful  money of the United  States of
America.

   Agreement.  The word "Agreement" means this Commercial Security Agreement, as
   this  Commercial  Security  Agreement may be amended or modified from time to
   time,  together with all exhibits and schedules  attached to this  Commercial
   Security Agreement from time to time.

   Collateral.  The word "Collateral" means the following  described property of
   Grantor,  whether now owned or  hereafter  acquired,  whether now existing or
   hereafter arising, and wherever located:

      All  equipment,   together  with  the  following   specifically  described
      property: PURCHASE MONEY INTEREST IN 28 TRITION 9600 SERIES ATM (AUTOMATIC
      TELLER'S  MACHINE)  SERIAL NUMBERS  5112298,  5112544,  5112540,  5112281,
      5112304,  5112296,  5112318,  5112358, 5112484, 5112485, 5111650, 5112489,
      6900091,  5112300,  6900026,  6900017, 6900052, 6900014, 5112410, 5112394,
      5112403,  5112399,  6900031,  5112545, 6900034, 5112292, 5112393, 5111721,
      5010258, 5111678.

   In addition,  the word "Collateral"  includes all the following,  whether now
   owned or hereafter acquired,  whether now existing or hereafter arising,  and
   wherever located:

      (a) All attachments,  accessions,  accessories,  tools,  parts,  supplies,
      increases,  and additions to and all replacements of and substitutions for
      any property described above.

      (b) All  products  and produce of any of the  property  described  in this
      Collateral section.

      (c)  All  accounts,  general  intangibles,   instruments,  rents,  monies,
      payments,  and all other rights,  arising out of a sale,  lease,  or other
      disposition of any of the property described in this Collateral section.

      (d)  All  proceeds   (including   insurance   proceeds)   from  the  sale,
      destruction,  loss, or other disposition of any of the property  described
      in this Collateral section.

      (e) All records and data relating to any of the property described in this
      Collateral  section,  whether  in  the  form  of  a  writing,  photograph,
      microfilm, microfiche, or electronic media, together with all of Grantor's
      right,  title,  and interest in and to all computer  software  required to
      utilize,  create,  maintain,  and  process  any  such  records  or data on
      electronic media.

   Event of  Default.  The words  "Event of Default"  mean  and include  without
   limitation  any of the  Events of  Default  set forth  below  in the  section
   titled "Events of Default."

   Grantor.   The word  "Grantor"  means  UNIVERSAL  MONEY  CENTERS,  INC.,  its
   successors and assigns.

   Guarantor.   The word "Guarantor" means and includes without  limitation each
   and  all  of   the  guarantors,   sureties,   and  accommodation  parties  in
   connection with the indebtedness.

   Indebtedness. The word "Indebtedness" means the indebtedness evidenced by the
   Note,  including  all  principal  and  interest,   together  with  all  other
   indebtedness  and costs and expenses for which Grantor is  responsible  under
   this Agreement or under any of the Related Documents.  In addition,  the word
   "Indebtedness"  includes all other obligations,  debts and liabilities,  plus
   interest thereon,  of Grantor, or any one or more of them, to Lender, as well
   as all claims by Lender against Grantor,  or any one or more of them, whether
   existing now or later; whether they are voluntary or involuntary,  due or not
   due, direct or indirect, absolute or contingent,  liquidated or unliquidated;
   whether Grantor may be liable  individually  or jointly with others;  whether
   Grantor  may be  obligated  as  guarantor,  surety,  accommodation  party  or
   otherwise;  whether  recovery upon such  indebtedness may be or hereafter may
   become barred by any statute of  limitations;  and whether such  indebtedness
   may be or hereafter may become otherwise unenforceable.

   Lender.  The word "Lender" means BANK 21, its successors and assigns.

   Note. The word "Note" means the note or credit agreement dated April 9, 1998,
   in the principal amount of $149,480.00 from UNIVERSAL MONEY CENTERS,  INC. to
   Lender,  together  with all renewals of,  extensions  of,  modifications  of,
   refinancings of,  consolidations  of and substitutions for the note or credit
   agreement.

   Related  Documents.  The words "Related  Documents"  mean and include without
   limitation  all  promissory  notes,   credit  agreements,   loan  agreements,
   environmental agreements,  guaranties, security agreements,  mortgages, deeds
   of trust, and all other instruments, agreements and documents, whether now or
   hereafter existing, executed in connection with the indebtedness.

RIGHT OF SETOFF.  Grantor hereby grants Lender a contractual possessory security
interest in and hereby assigns, conveys, delivers, pledges, and transfers all of
Grantor's  right,  title and interest in and to Grantor's  accounts  with Lender
(whether checking, savings, or some other account),  including all accounts held
jointly  with  someone  else and all  accounts  Grantor  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. Grantor  authorizes
Lender,  to the extent  permitted  by  applicable  law,  to charge or setoff all
Indebtedness against any and all such accounts.

OBLIGATIONS OF GRANTOR.  Grantor warrants and covenants to Lender as follows:

   Organization.   Grantor is a  corporation  which is duly  organized,  validly
   existing, and in good standing under the laws of the State of Kansas.

   Authorization.  The execution, delivery, and performance of this Agreement by
   Grantor have been duly  authorized by all necessary  action by Grantor and do
   not conflict  with,  result in a violation  of, or constitute a default under
   (a) any  provision  of its  articles of  incorporation  or  organization,  or
   bylaws, or any agreement or other instrument  binding upon Grantor or (b) any
   law, governmental regulation, court decree, or order applicable to Grantor.

   Perfection of Security  Interest.  Grantor  agrees to execute such  financing
   statements  and to take  whatever  other  actions are  requested by Lender to
   perfect and  continue  Lender's  security  interest in the  Collateral.  Upon
   request  of  Lender,  Grantor  will  deliver  to  Lender  any  and all of the
   documents  evidencing or constituting  the Collateral,  and Grantor will note
   Lender's  interest  upon any and all chattel paper if not delivered to Lender
   for  possession  by  lender.  Lender  may at any time,  and  without  further
   authorization from Grantor, file a carbon, photographic or other reproduction
   of any  financing  statement  or of this  Agreement  for  use as a  financing
   statement.  Grantor will reimburse  Lender for all expenses of the perfection
   and the continuation of the perfection of Lender's  security  interest in the
   Collateral.  Grantor  promptly  will  notify  Lender  before  any  change  in
   Grantor's name including any change to the assumed business names of Grantor.
   This is a  continuing  Security  Agreement  and will  continue in effect even
   though all or any part of the  Indebtedness  is paid in full and even  though
   for a period of time Grantor may not be indebted to Lender.

   No Violation.  The execution and delivery of this  Agreement will not violate
   any law or agreement  governing  Grantor or to which Grantor is a party,  and
   its certificate or articles of  incorporation  and bylaws do not prohibit any
   term or condition of this Agreement.

   Enforceability  of  Collateral.  To the extent  the  Collateral  consists  of
   accounts,   chattel  paper,  or  general   intangibles,   the  Collateral  is
   enforceable  in  accordance  with its terms,  is genuine,  and complies  with
   applicable  laws  concerning  form,  content  and manner of  preparation  and
   execution,  and all persons  appearing to be obligated on the Collateral have
   authority  and capacity to contract and are in fact  obligated as they appear
   to be on the Collateral.



<PAGE>

04-09-1998                 COMMERCIAL SECURITY AGREEMENT                  Page 2
Loan No. 6717598-003                (Continued)
================================================================================

   Removal of  Collateral.  Grantor shall keep the  Collateral (or to the extent
   the Collateral consists of intangible property such as accounts,  the records
   concerning the Collateral) at Grantor's address shown above, or at such other
   locations as are acceptable to Lender.  Except in the ordinary  course of its
   business,  including  the sales of  Inventory,  Grantor  shall not remove the
   Collateral from its existing  locations  without the prior written consent of
   Lender.  To the extent that the  Collateral  consists of  vehicles,  or other
   titled  property,  Grantor  shall not take or permit any action  which  would
   require  application for  certificates of title for the vehicles  outside the
   State of Kansas, without the prior written consent of Lender.

   Transactions  Involving  Collateral.  Except for  inventory  sold or accounts
   collected in the ordinary  course of Grantor's  business,  Grantor  shall not
   sell,  offer to sell,  or  otherwise  transfer or dispose of the  Collateral.
   Grantor  shall  not  pledge,  mortgage,  encumber  or  otherwise  permit  the
   Collateral  to be subject to any lien,  security  interest,  encumbrance,  or
   charge,  other than the security  interest  provided  for in this  Agreement,
   without the prior written consent of Lender. This includes security interests
   even if  junior  in  right  to the  security  interests  granted  under  this
   Agreement.  Unless waived by Lender, all proceeds from any disposition of the
   Collateral (for whatever  reason) shall be held in trust for Lender and shall
   not be commingled with any other funds;  provided  however,  this requirement
   shall not constitute consent by Lender to any sale or other disposition. Upon
   receipt, Grantor shall immediately deliver any such proceeds to Lender.

   Title.  Grantor  represents  and  warrants  to Lender  that it holds good and
   marketable  title  to  the  Collateral,  free  and  clear  of all  liens  and
   encumbrances  except for the lien of this Agreement.  No financing  statement
   covering  any of the  Collateral  is on file in any public  office other than
   those which  reflect the security  interest  created by this  Agreement or to
   which Lender has specifically consented. Grantor shall defend Lender's rights
   in the Collateral against the claims and demands of all other persons.

   Collateral  Schedules and Locations.  Insofar as the  Collateral  consists of
   equipment, Grantor shall deliver to Lender, as often as Lender shall require,
   such lists,  descriptions,  and designations of such Collateral as Lender may
   require to identify the nature, extent, and location of such Collateral. Such
   information  shall be submitted for Grantor and each of its  subsidiaries  or
   related companies.

   Maintenance and Inspection of Collateral. Grantor shall maintain all tangible
   Collateral in good  condition  and repair.  Grantor will not commit or permit
   damage to or  destruction  of the  Collateral or any part of the  Collateral.
   Lender and its designated  representatives and agents shall have the right at
   all reasonable times to examine,  inspect,  and audit the Collateral wherever
   located.  Grantor shall immediately  notify Lender of all cases involving the
   return, rejection,  repossession,  loss or damage of or to any Collateral; of
   any request for credit or  adjustment  or of any other  dispute  arising with
   respect  to the  Collateral;  and  generally  of all  happenings  and  events
   affecting the Collateral or the value or the amount of the Collateral.

   Taxes,   Assessments  and  Liens.  Grantor  will  pay  when  due  all  taxes,
   assessments  and liens upon the Collateral,  its use or operation,  upon this
   Agreement, upon any promissory note or notes evidencing the Indebtedness,  or
   upon any of the  other  Related  Documents.  Grantor  may  withhold  any such
   payment  or may  elect  to  contest  any  lien if  Grantor  is in good  faith
   conducting an appropriate  proceeding to contest the obligation to pay and so
   long as Lender's  interest in the  Collateral is not  jeopardized in Lender's
   sole  opinion.  If  the  Collateral  is  subjected  to a  lien  which  is not
   discharged within fifteen (15) days,  Grantor shall deposit with Lender cash,
   a sufficient  corporate surety bond or other security  satisfactory to Lender
   in an amount  adequate  to  provide  for the  discharge  of the lien plus any
   interest,  costs,  attorneys'  fees or other  charges  that could accrue as a
   result of foreclosure or sale of the Collateral. In any contest Grantor shall
   defend itself and Lender and shall satisfy any final adverse  judgment before
   enforcement  against  the  Collateral.   Grantor  shall  name  Lender  as  an
   additional   obligee   under  any  surety  bond   furnished  in  the  contest
   proceedings.

   Compliance With Governmental Requirements. Grantor shall comply promptly with
   all laws, ordinances,  rules and regulations of all governmental authorities,
   now  or  hereafter  in  effect,  applicable  to  the  ownership,  production,
   disposition, or use of the Collateral.  Grantor may contest in good faith any
   such  law,  ordinance  or  regulation  and  withhold  compliance  during  any
   proceeding,  including  appropriate  appeals, so long as Lender's interest in
   the Collateral, in Lender's opinion, is not jeopardized.

   Hazardous  Substances.  Grantor  represents  and warrants that the Collateral
   never has been, and never will be so long as this Agreement remains a lien on
   the   Collateral,   used   for   the   generation,    manufacture,   storage,
   transportation,  treatment,  disposal,  release or threatened  release of any
   hazardous waste or substance, as those terms are defined in the Comprehensive
   Environmental Response,  Compensation, and Liability Act of 1980, as amended,
   42 U.S.C.  Section 9601, et seq.  ("CERCLA"),  the Superfund  Amendments  and
   Reauthorization  Act of 1986,  Pub. L. No.  99-499  ("SARA"),  the  Hazardous
   Materials  Transportation Act, 49 U.S.C.  Section 1801, et seq., the Resource
   Conservation  and Recovery  Act, 42 U.S.C.  Section  6901,  et seq., or other
   applicable state or Federal laws,  rules, or regulations  adopted pursuant to
   any of the foregoing.  The terms "hazardous waste" and "hazardous  substance"
   shall also include,  without limitation,  petroleum and petroleum by-products
   or any fraction thereof,  asbestos,  mining waste,  drilling fluids and other
   wastes  associated with the exploration,  development and production of crude
   oil, fly ash, bottom ash, slag and flue emissions,  and cement kiln dust. The
   representations  and warranties  contained  herein are based on Grantor's due
   diligence  in   investigating   the  Collateral  for  hazardous   wastes  and
   substances.  Grantor hereby (a) releases and waives any future claims against
   Lender for indemnity or  contribution in the event Grantor becomes liable for
   cleanup or other costs under any such laws,  and (b) agrees to indemnify  and
   hold harmless  Lender against any and all claims and losses  resulting from a
   breach of this  provision of this  Agreement.  This  obligation  to indemnify
   shall survive the payment of the  indebtedness  and the  satisfaction of this
   Agreement.

   Maintenance  of Casualty  Insurance.  Grantor  shall procure and maintain all
   risks  insurance,  including  without  limitation  fire,  theft and liability
   coverage  together  with such  other  insurance  as Lender may  require  with
   respect to the Collateral,  in form, amounts,  coverages and basis reasonably
   acceptable  to  Lender  and  issued  by a  company  or  companies  reasonably
   acceptable to Lender. Grantor, upon request of Lender, will deliver to Lender
   from  time  to  time  the  policies  or  certificates  of  insurance  in form
   satisfactory  to Lender,  including  stipulations  that coverages will not be
   cancelled or diminished  without at least ten (10) days' prior written notice
   to Lender and not  including any  disclaimer  of the insurer's  liability for
   failure to give such a notice.  Each  insurance  policy also shall include an
   endorsement  providing  that coverage in favor of Lender will not be impaired
   in any way by any act, omission or default of Grantor or any other person. In
   connection  with all  policies  covering  assets in which  Lender holds or is
   offered a security  interest,  Grantor  will  provide  Lender  with such loss
   payable or other  endorsements as Lender may require.  If Grantor at any time
   fails to obtain or maintain any insurance as required  under this  Agreement,
   Lender may (but shall not be  obligated  to) obtain such  insurance as Lender
   deems  appropriate,  including if it so chooses "single interest  insurance,"
   which will cover only Lender's interest in the Collateral.

   Application of Insurance  Proceeds.  Grantor shall promptly  notify Lender of
   any loss or  damage  to the  Collateral.  Lender  may  make  proof of loss if
   Grantor fails to do so within fifteen (15) days of the casualty. All proceeds
   of any insurance on the Collateral, including accrued proceeds thereon, shall
   be held by Lender as part of the Collateral.  If Lender consents to repair or
   replacement  of the  damaged or  destroyed  Collateral,  Lender  shall,  upon
   satisfactory proof of expenditure, pay or reimburse Grantor from the proceeds
   for the reasonable cost of repair or restoration.  If Lender does not consent
   to repair or replacement of the Collateral,  Lender shall retain a sufficient
   amount  of the  proceeds  to pay all of the  Indebtedness,  and shall pay the
   balance to Grantor. Any proceeds which have not been disbursed within six (6)
   months after their  receipt and which Grantor has not committed to the repair
   or restoration of the Collateral shall be used to prepay the Indebtedness.

   Insurance  Reserves.  Lender may  require  Grantor to  maintain  with  Lender
   reserves for payment of insurance  premiums,  which reserves shall be created
   by  monthly  payments  from  Grantor  of a  sum  estimated  by  Lender  to be
   sufficient  to  produce,  at least  fifteen  (15) days before the premium due
   date, amounts at least equal to the insurance premiums to be paid. If fifteen
   (15) days before payment is due, the reserve funds are insufficient,  Grantor
   shall upon demand pay any  deficiency  to Lender.  The reserve funds shall be
   held   by   Lender   as  a   general   deposit   and   shall   constitute   a
   non-interest-bearing  account  which  Lender  may  satisfy  by payment of the
   insurance  premiums required to be paid by Grantor as they become due. Lender
   does not hold the reserve  funds in trust for Grantor,  and Lender is not the
   agent of Grantor for payment of the insurance premiums required to be paid by
   Grantor.  The  responsibility  for  the  payment  of  premiums  shall  remain
   Grantor's sole responsibility.

   Insurance Reports.  Grantor,  upon request of Lender, shall furnish to Lender
   reports on each  existing  policy of insurance  showing such  information  as
   Lender may reasonably  request  including the following:  (a) the name of the
   insurer;  (b) the  risks  insured;  (c) the  amount  of the  policy;  (d) the
   property insured;  (e) the then current value on the basis of which insurance
   has been  obtained  and the manner of  determining  that  value;  and (f) the
   expiration  date of the policy.  In addition,  Grantor  shall upon request by
   Lender  (however not more often than annually) have an independent  appraiser
   satisfactory  to  Lender  determine,   as  applicable,   the  cash  value  or
   replacement cost of the Collateral.

GRANTOR'S RIGHT TO POSSESSION. Until default, Grantor may have possession of the
tangible  personal property and beneficial use of all the Collateral and may use
it in any lawful  manner not  inconsistent  with this  Agreement  or the Related
Documents,  provided that Grantor's right to possession and beneficial use shall
not apply to any  Collateral  where  possession  of the  Collateral by Lender is
required by law to perfect Lender's  security  interest in such  Collateral.  If
Lender at any time has possession of any Collateral,  whether before or after an
Event of Default,  Lender shall be deemed to have exercised  reasonable  care in
the custody and  preservation  of the Collateral if Lender takes such action for
that purpose as Grantor shall request or as Lender, in Lender's sole discretion,
shall deem appropriate under the circumstances, but failure to honor any request
by Grantor shall not of itself be deemed to be a failure to exercise  reasonable
care.  Lender shall not be required to take any steps  necessary to preserve any
rights in the  Collateral  against prior  parties,  nor to protect,  preserve or
maintain any security interest given to secure the Indebtedness.

<PAGE>

04-09-1998                 COMMERCIAL SECURITY AGREEMENT                  Page 3
Loan No. 6717598-003                (Continued)
================================================================================

EXPENDITURES  BY LENDER.  If not  discharged  or paid when due,  Lender may (but
shall  not  be  obligated  to)  discharge  or pay  any  amounts  required  to be
discharged or paid by Grantor under this Agreement, including without limitation
all taxes,  liens,  security interests,  encumbrances,  and other claims, at any
time  levied or  placed on the  Collateral.  Lender  also may (but  shall not be
obligated  to) pay all  costs  for  insuring,  maintaining  and  preserving  the
Collateral.  All such expenditures  incurred or paid by Lender for such purposes
will  then  bear  interest  at the rate  charged  under  the Note  from the date
incurred  or paid by  Lender  to the  date of  repayment  by  Grantor.  All such
expenses shall become a part of the Indebtedness  and, at Lender's option,  will
(a) be  payable  on  demand,  (b) be  added  to the  balance  of the Note and be
apportioned  among and be payable  with any  installment  payments to become due
during  either  (i) the  term of any  applicable  insurance  policy  or (ii) the
remaining term of the Note, or (c) be treated as a balloon payment which will be
due and payable at the Note's maturity.  This Agreement also will secure payment
of these  amounts.  Such  right  shall be in  addition  to all other  rights and
remedies to which  Lender may be  entitled  upon the  occurrence  of an Event of
Default.

EVENTS  OF  DEFAULT.  Each  of the  following  shall   constitute  an  Event  of
Default under this Agreement:

   Default on  Indebtedness.  Failure  of Grantor to make any  payment  when due
   on the Indebtedness.

   Other  Defaults.  Failure of Grantor to comply  with or to perform  any other
   term, obligation, covenant or condition contained in this Agreement or in any
   of the  Related  Documents  or in any  other  agreement  between  Lender  and
   Grantor.

   False Statements. Any warranty, representation or statement made or furnished
   to Lender by or on behalf of Grantor  under this  Agreement,  the Note or the
   Related Documents is false or misleading in any material respect,  either now
   or at the time made or furnished.

   Defective  Collateralization.  This Agreement or any of the Related Documents
   ceases to be in full force and effect  (including  failure of any  collateral
   documents to create a valid and perfected  security  interest or lien) at any
   time and for any reason.

   Insolvency.  The dissolution or termination of Grantor's existence as a going
   business,  the insolvency of Grantor,  the  appointment of a receiver for any
   part of Grantor's property, any assignment for the benefit of creditors,  any
   type of creditor  workout,  or the  commencement of any proceeding  under any
   bankruptcy or insolvency laws by or against Grantor.

   Creditor or Forfeiture Proceedings. Commencement of foreclosure or forfeiture
   proceedings, whether by judicial proceeding,  self-help,  repossession or any
   other  method,  by any  creditor  of  Grantor or by any  governmental  agency
   against the  Collateral or any other  collateral  securing the  Indebtedness.
   This includes a garnishment of any of Grantor's deposit accounts with Lender.
   However,  this  Event of  Default  shall not  apply if there is a good  faith
   dispute by Grantor as to the validity or reasonableness of the claim which is
   the basis of the  creditor  or  forfeiture  proceeding  and if Grantor  gives
   Lender written  notice of the creditor or forfeiture  proceeding and deposits
   with  Lender  monies  or  a  surety  bond  for  the  creditor  or  forfeiture
   proceeding,  in an amount  determined by Lender,  in its sole discretion,  as
   being an adequate reserve or bond for the dispute.

   Events Affecting  Guarantor.  Any of the preceding events occurs with respect
   to any Guarantor of any of the Indebtedness or such Guarantor dies or becomes
   incompetent. Lender, at its option, may, but shall not be required to, permit
   the Guarantor's  estate to assume  unconditionally  the  obligations  arising
   under the guaranty in a manner satisfactory to Lender, and, in doing so, cure
   the Event of Default.

   Adverse  Change.  A material  adverse  change  occurs in Grantor's  financial
   condition,  or Lender believes the prospect of  payment or performance of the
   Indebtedness is impaired.

   Insecurity.  Lender, in good faith, deems itself insecure.

   Right to Cure.  If any  default,  other  than a Default on  Indebtedness,  is
   curable and if Grantor  has not been given a prior  notice of a breach of the
   same  provision of this  Agreement,  it may be cured (and no Event of Default
   will have occurred) if Grantor,  after Lender sends written notice  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.

RIGHTS  AND  REMEDIES  ON  DEFAULT.  If an Event of  Default  occurs  under this
Agreement, at any time thereafter, Lender shall have all the rights of a secured
party  under the  Kansas  Uniform  Commercial  Code.  In  addition  and  without
limitation,  Lender may  exercise  any one or more of the  following  rights and
remedies:

   Accelerate  Indebtedness.   Lender  may   declare  the  entire  Indebtedness,
   including  any  prepayment  penalty  which  Grantor would be required to pay,
   immediately due and payable, without notice.

   Assemble  Collateral.  Lender may require Grantor to deliver to Lender all or
   any portion of the Collateral and any and all certificates of title and other
   documents relating to the Collateral.  Lender may require Grantor to assemble
   the Collateral and make it available to Lender at a place to be designated by
   Lender.  Lender  also shall have full  power to enter  upon the  property  of
   Grantor to take  possession of and remove the  Collateral.  If the Collateral
   contains   other  goods  not  covered  by  this  Agreement  at  the  time  of
   repossession,  Grantor agrees Lender may take such other goods, provided that
   Lender makes reasonable efforts to return them to Grantor after repossession.

   Sell the Collateral.  Lender shall have full power to sell, lease,  transfer,
   or otherwise deal with the Collateral or proceeds  thereof in its own name or
   that of Grantor.  Lender may sell the Collateral at public auction or private
   sale. Unless the Collateral threatens to decline speedily in value or is of a
   type  customarily  sold on a  recognized  market,  Lender  will give  Grantor
   reasonable  notice of the time and place of any public  sale,  or of the time
   after  which  any  private  sale or any  other  intended  disposition  of the
   Collateral is to be made. The requirements of reasonable  notice shall be met
   if such notice is given at least ten (10) days before the time of the sale or
   disposition.  All expenses  relating to the  disposition  of the  Collateral,
   including  without  limitation the expenses of retaking,  holding,  insuring,
   preparing  for sale and selling the  Collateral,  shall  become a part of the
   Indebtedness  secured by this Agreement and shall be payable on demand,  with
   interest at the Note rate from date of expenditure until repaid.

   Appoint  Receiver.  To the extent  permitted by applicable  law, Lender shall
   have the  following  rights  and  remedies  regarding  the  appointment  of a
   receiver:  (a) Lender may have a receiver appointed as a matter of right, (b)
   the receiver may be an employee of Lender and may serve without bond, and (c)
   all fees of the  receiver  and his or her  attorney  shall become part of the
   Indebtedness  secured by this Agreement and shall be payable on demand,  with
   interest at the Note rate from date of expenditure until repaid.

   Collect  Revenues,  Apply  Accounts.  Lender,  either  itself  or  through  a
   receiver,  may collect the  payments,  rents,  income,  and revenues from the
   Collateral.  Lender may at any time in its discretion transfer any Collateral
   into its own name or that of its nominee and  receive  the  payments,  rents,
   income,  and  revenues  therefrom  and  hold  the  same as  security  for the
   Indebtedness  or apply it to  payment  of the  Indebtedness  in such order of
   preference as Lender may  determine.  Insofar as the  Collateral  consists of
   accounts,  general  intangibles,  insurance  policies,  instruments,  chattel
   paper,  choses in action,  or similar property,  Lender may demand,  collect,
   receipt for, settle,  compromise,  adjust, sue for, foreclose,  or realize on
   the  Collateral  as Lender  may  determine,  whether or not  Indebtedness  or
   Collateral is then due. For these  purposes,  Lender may, on behalf of and in
   the name of Grantor,  receive, open and dispose of mail addressed to Grantor;
   change any  address to which mail and  payments  are to be sent;  and endorse
   notes,  checks,  drafts,  money orders,  documents of title,  instruments and
   items  pertaining  to payment,  shipment,  or storage of any  Collateral.  To
   facilitate collection,  Lender may notify account debtors and obligors on any
   Collateral to make payments directly to Lender.

   Obtain  Deficiency.  If Lender chooses to sell any or all of the  Collateral,
   Lender may obtain a judgment against Grantor for any deficiency  remaining on
   the Indebtedness due to Lender after application of all amounts received from
   the  exercise of the rights  provided  in this  Agreement.  Grantor  shall be
   liable for a deficiency even if the transaction  described in this subsection
   is a sale of accounts or chattel paper.

   Other Rights and Remedies. Lender shall have all the rights and remedies of a
   secured creditor under the provisions of the Uniform  Commercial Code, as may
   be amended from time to time. In addition, Lender shall have and may exercise
   any or all other rights and remedies it may have available at law, in equity,
   or otherwise.

   Cumulative Remedies.  All of Lender's rights and remedies,  whether evidenced
   by this Agreement or the Related Documents or by any other writing,  shall be
   cumulative  and may be  exercised  singularly  or  concurrently.  Election by
   Lender to pursue any remedy  shall not exclude  pursuit of any other  remedy,
   and an  election  to  make  expenditures  or to take  action  to  perform  an
   obligation  of  Grantor  under this  Agreement,  after  Grantor's  failure to
   perform, shall not affect Lender's right to declare a default and to exercise
   its remedies.

MISCELLANEOUS  PROVISIONS.  The following   miscellaneous  provisions are a part
of this Agreement:

   Amendments. This Agreement, together with any Related Documents,  constitutes
   the entire  understanding  and agreement of the parties as to the matters set
   forth in this  Agreement.  No  alteration  of or amendment to this  Agreement
   shall be effective unless given in writing and signed by the party or parties
   sought to be charged or bound by the alteration or amendment.

   Applicable  Law. This  Agreement  has been  delivered to Lender and accepted
   by Lender in the State of Missouri.  If there is a lawsuit,  Grantor  agrees
   upon  Lender's  request  to  submit  to the  jurisdiction  of the  courts of
   CARROLL County the State of Missouri.  Lender and Grantor hereby



<PAGE>

04-09-1998                 COMMERCIAL SECURITY AGREEMENT                  Page 4
Loan No. 6717598-003                (Continued)
================================================================================


   waive the right to any jury trial in any action,  proceeding, or counterclaim
   brought by either Lender or Grantor  against the other.  This Agreement shall
   be  governed by and  construed  in  accordance  with the laws of the State of
   Missouri.

   Attorneys' Fees; Expenses. Lender may pay someone else, who is not a salaried
   employee of Lender, to help enforce this Agreement, and Grantor shall pay the
   costs and  expenses  of such  enforcement.  Costs and  expenses  include  all
   reasonable  costs incurred in the collection of the  Indebtedness,  including
   but not limited to, court costs, attorneys' fees, and collection agency fees,
   except that such costs of  collection  shall not include the recovery of both
   attorneys' fees and collection agency fees.

   Caption  Headings.  Caption   headings in this Agreement are for  convenience
   purposes  only and are not to  be used to interpret or define the  provisions
   of this Agreement.

   Multiple Parties;  Corporate Authority. All obligations of Grantor under this
   Agreement  shall be joint and several,  and all  references  to Grantor shall
   mean each and every  Grantor.  This  means that each of the  persons  signing
   below is responsible for all obligations in this Agreement.

   Notices. All notices required to be given under this Agreement shall be given
   in writing, may be sent by telefacsimile  (unless otherwise required by law),
   and shall be  effective  when  actually  delivered or when  deposited  with a
   nationally  recognized  overnight  courier or deposited in the United  States
   mail, first class, postage prepaid, addressed to the party to whom the notice
   is to be given at the address  shown above.  Any party may change its address
   for notices under this Agreement by giving formal written notice to the other
   parties,  specifying  that the purpose of the notice is to change the party's
   address. To the extent permitted by applicable law, if there is more than one
   Grantor,  notice to any Grantor will constitute  notice to all Grantors.  For
   notice purposes,  Grantor will keep Lender informed at all times of Grantor's
   current address(es).

   Severability.  If a court of competent  jurisdiction  finds any  provision of
   this  Agreement  to  be  invalid  or   unenforceable  as  to  any  person  or
   circumstance,  such  finding  shall not  render  that  provision  invalid  or
   unenforceable as to any other persons or circumstances. If feasible, any such
   offending provision shall be deemed to be modified to be within the limits of
   enforceability or validity;  however, if the offending provision cannot be so
   modified,  it shall be stricken and all other provisions of this Agreement in
   all other respects shall remain valid and enforceable.

   Successor  Interests.  Subject to the limitations set forth above on transfer
   of the  Collateral,  this  Agreement  shall be binding  upon and inure to the
   benefit of the parties, their successors and assigns.

   Waiver.  Lender  shall not be deemed to have  waived  any  rights  under this
   Agreement  unless such  waiver is given in writing  and signed by Lender.  No
   delay or omission on the part of Lender in exercising any right shall operate
   as a waiver  of such  right or any  other  right.  A waiver  by  Lender  of a
   provision of this  Agreement  shall not  prejudice or  constitute a waiver of
   Lender's right  otherwise to demand strict  compliance with that provision or
   any other  provision of this  Agreement.  No prior waiver by Lender,  nor any
   course of dealing  between Lender and Grantor,  shall  constitute a waiver of
   any of  Lender's  rights or of any  Grantor's  obligations  as to any  future
   transactions.   Whenever  the  consent  of  Lender  is  required  under  this
   Agreement,  the granting of such consent by Lender in any instance  shall not
   constitute  continuing consent to subsequent  instances where such consent is
   required and in all cases such consent may be granted or withheld in the sole
   discretion of Lender.

GRANTOR  ACKNOWLEDGES  HAVING  READ   ALL  THE  PROVISIONS  OF  THIS  COMMERCIAL
SECURITY  AGREEMENT,  AND GRANTOR AGREES  TO ITS TERMS.  THIS AGREEMENT IS DATED
APRIL 9, 1998

GRANTOR:

UNIVERSAL MONEY CENTERS, INC.



     /s/ Dave A. Windhorst                            /s/ Pamela a. Glenn
By:------------------------------                By:----------------------------
   DAVE A. WINDHORST, PRESIDENT                     PAMELA A. GLENN, SECRETARY