<PAGE>   1
                            REVOLVING LINE OF CREDIT
                                 LOAN AGREEMENT


         THIS REVOLVING LINE OF CREDIT LOAN AGREEMENT (the "Agreement") is made
and entered into as of the 30th day of September, 1998, by and between THE WMA
CORPORATION, a Delaware corporation (hereinafter referred to as "Borrower"),
and MONEY SERVICES, INC., a Delaware corporation (hereinafter referred to as
"Lender").

                              W I T N E S S E T H:

         In consideration of the mutual covenants and agreements hereinafter
set forth, Lender agrees to make and Borrower agrees to accept one or more
loans in accordance with and subject to the terms and conditions hereinafter
set forth.

                                   ARTICLE 1

                             TERMS AND DEFINITIONS

         In addition to the other terms hereinafter defined, the following
terms shall, for purposes of this Agreement, have the meanings set forth in
this Article 1.

1.1      ACCOUNTING TERMS. All accounting terms not specifically defined herein
         shall have the meanings attributed to such terms under generally
         accepted accounting principles consistently applied.

1.2      ADDRESS. The executive offices of the Borrower are located at 11315
         Johns Creek Parkway, Duluth, Georgia 30097.

1.3      AGREEMENT. This Revolving Line of Credit Loan Agreement, as amended or
         supplemented from time to time.

1.4      BANKRUPTCY CODE. The Bankruptcy Reform Act of 1978, as amended from
         time to time.

1.5      CREDIT DOCUMENTS. Collectively, this Agreement and the Note, together
         with any and all other documents and instruments now or hereafter
         evidencing, securing or otherwise relating to the Obligations.

1.6      EVENT OF DEFAULT. Any of the events or conditions described in Article
         5 of this Agreement.

1.7      LOAN.  The Loan described in Article 2 of this Agreement.



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1.8      NOTE. The Revolving Line of Credit Promissory Note evidencing all or
         any portion of the Loan indebtedness of Borrower to Lender
         (hereinafter singularly and/or collectively referred to as the
         "Note"), together with all modifications, renewals and extensions
         thereof.

1.9      OBLIGATIONS. The indebtedness, liabilities and obligations of Borrower
         to Lender arising hereunder or under any of the other Credit Documents
         or as a result hereof or thereof, whether evidenced by the Note or
         otherwise, and any and all extensions or renewals thereof in whole or
         in part; any indebtedness, liability or obligation of Borrower to
         Lender under any later or future advances or loans by Lender to
         Borrower, and any and all extensions or renewals thereof in whole or
         in part; and any and all future or additional indebtednesses,
         liabilities or obligations of Borrower to Lender whatsoever, whether
         existing as of the date hereof or hereafter arising, whether arising
         under a loan, lease, line of credit, letter of credit or other type of
         financing, and whether direct, indirect, absolute or contingent, and
         whether evidenced by, arising out of, or relating to, a promissory
         note, check draft, bond, letter of credit, lease, guaranty agreement
         or otherwise.

1.10     PERSON. Any individual, sole proprietorship, partnership, joint
         venture, trust, unincorporated organization, association, corporation,
         institution, entity, party, or government (whether national, federal,
         state, county, city, municipal or otherwise, including without
         limitation, any instrumentality, division, agency, body or department
         thereof).

1.11     REQUIREMENT. Any law, statute, ordinance, rule, or regulation, or
         judicial or administrative order, award, judgment or writ, injunction
         or decree, relating in any way to Borrower, its properties or assets,
         or its business, issued by the United States, the jurisdiction in
         which Borrower conducts business, or in which it leases, owns or
         operates properties or assets or any political subdivision thereof, or
         any agency, department, commission, board, bureau or instrumentality
         of any of them.



                                   ARTICLE 2

                                      LOAN

         Subject to the provisions of this Agreement, Lender is making the Loan
to Borrower, upon the following terms:

2.1      LOAN. Borrower shall have the right from time to time to borrow
         amounts not to exceed at any one time in the aggregate, the sum of Ten
         Million and No/100 ($10,000,000.00) Dollars. Except for the
         advancement of Loan proceeds described in Section 2.2 hereof, all
         subsequent draw requests submitted by Borrower shall be in writing and
         shall be delivered to Lender no later than ten (10) days prior to the
         requested date of disbursement.



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2.2      PRESENT DISBURSEMENT. Lender has, as of the date hereof, advanced to
         Borrower the sum of Five Million and No/100 ($5,000,000.00) Dollars,
         which advancement is evidenced by and is part of the Note.

2.3      INTEREST AND REPAYMENT TERMS. The principal amount of the Loan shall
         be payable in accordance with, and interest on said principal amount
         shall accrue at the rate specified in and shall be payable in
         accordance with, the provisions of the Note.

2.4      USE OF PROCEEDS. Borrower shall use the proceeds of the Loan to make
         capital contributions to WMA Life Insurance Company Limited, a Bermuda
         corporation and a wholly-owned subsidiary of Borrower ("WMALIC"), who
         in turn shall use the same to fulfill its settlement obligations to
         Western Reserve Life Assurance Co. of Ohio, an Ohio corporation ("WRL")
         pursuant to that certain (i) Automatic Reinsurance Agreement No. 1
         dated July 9, 1996, by and between WMALIC and WRL; (ii) Automatic
         Variable Annuity Reinsurance Agreement dated January 1, 1998 by and
         between WMALIC and WRL; and (iii) Automatic Variable Universal Life
         Reinsurance Agreement dated April 1, 1998 by and between WMALIC and
         WRL; the foregoing agreements being collectively referred to herein as
         the "Reinsurance Agreements".


                                   ARTICLE 3

         GENERAL REPRESENTATIONS, COVENANTS AND WARRANTIES OF BORROWER

         Borrower hereby represents, covenants and warrants to Lender as
         follows:

3.1      SOLVENCY. Borrower now has and will continue to maintain during the
         term of this Agreement capital sufficient to conduct the business
         transactions in which it is currently engaged or as contemplated
         hereunder to be engaged, and is and will continue to be during the
         term of this Agreement solvent and able to pay its debts as they
         mature, and Borrower now owns and will maintain during the term of
         this Agreement property whose fair saleable value is greater than the
         amount required to pay the indebtedness evidenced by the Note, or such
         amounts as are advanced therewith.

3.2      PENDING LITIGATION. There are no actions, suits or proceedings pending
         or threatened against or affecting Borrower, or involving the validity
         or enforceability of any of the Credit Documents or the priority of
         the lien thereof, at law or in equity, or before any governmental, or
         administrative agency.

3.3      VIOLATIONS OF REQUIREMENTS. Borrower is not in default with or in
         violation of any Requirement, and shall during the terms of this
         Agreement comply promptly with each and every Requirement and shall
         furnish Lender, on demand, independent evidence of such compliance.



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3.4      MISREPRESENTATIONS. Neither this Agreement nor any of the other Credit
         Documents, in each case as of its date, contains any untrue statement
         of a material fact or omits to state a material fact necessary in
         order to make the statements contained herein and therein not
         misleading.

3.5      BORROWER'S ACTS: Borrower has done no act or omitted to do any act
         which might prevent Lender from or limit Lender in, acting under any
         of the provisions hereof.


                                   ARTICLE 4

                   GENERAL AFFIRMATIVE COVENANTS OF BORROWER

         Borrower hereby covenants and agrees with Lender as follows:

4.1      PAYMENT OF NOTE. Borrower shall punctually pay the principal and
         interest on the Note and all of the other Obligations in accordance
         with the terms hereof and of the other Credit Documents.

4.2      CHANGE OF ADDRESS. If at any time hereafter, Borrower elects to move,
         Borrower shall, prior to such move, give Lender thirty (30) days prior
         written notice.

4.3      NOTICE OF DEFAULTS. Borrower shall promptly give notice in writing to
         Lender of (a) the occurrence of any Event of Default under this
         Agreement or any of the other Credit Documents or of any event of
         default under any material instrument or other agreement of Borrower,
         (b) any litigation, proceeding, investigation or dispute which may
         exist at any time between Borrower and any governmental or regulatory
         body which might substantially interfere with the normal business
         operations of Borrower, and (c) all litigation and proceedings brought
         against Borrower which, if adversely determined, would have a material
         adverse effect on Borrower's operations or financial condition.

4.4      FINANCIAL STATEMENTS OF BORROWER. All financial statements of
         Borrower, copies of which have heretofore been furnished to Lender, or
         which shall hereinafter be furnished by Borrower to Lender, are and
         shall be complete and are and shall fairly and accurately represent
         the financial condition of Borrower, as of the dates and for the
         periods referred to therein, and have been or shall be prepared in
         accordance with generally accepted accounting principles applied on a
         consistent basis throughout the period involved.

4.5      AMENDMENT OF REINSURANCE AGREEMENTS. In the event that Borrower fails 
         to pay the Note in accordance with the terms therein, Borrower 
         acknowledges and agrees that WRL shall have the right to amend, and 
         the Borrower shall consent to such amendment, the Reinsurance 
         Agreements to i) cause a recapture of business previously ceded to 
         WRL, the value of which is to be determined using pricing assumptions 
         previously disclosed by WRL to WMALIC, Limited, sufficient to repay 
         the Note, and ii) reduce the quota share percentages of the 
         Reinsurance Agreements with regard to new business in a manner 
         reasonably designed to eliminate the need for additional surplus or 
         cash needs; provided, however, that the Reinsurance Agreements 
         themselves shall continue in full force and effect otherwise. At such 
         time that WMALIC is able to demonstrate to WRL that it has adequate 
         additional surplus and cash, the parties shall agree to amend the 
         quota share percentages to the amounts the parties had originally 
         agreed.

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                                   ARTICLE 5

5                              EVENTS OF DEFAULT

                  The occurrence of any events or conditions described in
Sections 5.1 through 5. shall constitute an Event of Default hereunder,
provided that any requirement for the giving of notice or the lapse of time, or
both, has been satisfied.

5.1      NOTE. Borrower shall fail to make payment of principal of or interest
         on, the Note, when the same shall become due and payable, whether by
         default, maturity or otherwise.

5.2      OBLIGATIONS. Borrower shall fail to make any payments of principal of
         or interest on any of the Obligations, when the same shall become due
         and payable, whether by default, maturity or otherwise.

5.3      MISREPRESENTATIONS. Any representation, warranty or statement made by
         Borrower herein or in the Note is or proves to have been incorrect,
         untrue or misleading in any material respect when made, or becomes
         incorrect, untrue or misleading in any material respect at any time
         any amount remains unpaid on account of any of the Obligations.

5.4      COVENANTS. Borrower fails to keep, observe, perform, carry out or
         execute in every particular its respective covenants, agreements,
         obligations or conditions contained in this Agreement or in the Note.

5.5      VOLUNTARY BANKRUPTCY. Borrower shall file a voluntary petition in
         bankruptcy or a voluntary petition or answer seeking liquidation,
         reorganization, arrangement or readjustment of its debts, or for any
         other relief under the Bankruptcy Code, or under any other act or law
         pertaining to insolvency or debtor relief, whether state, Federal or
         foreign, now or hereafter existing; Borrower shall enter into any
         agreement indicating its consent to, approval of, or acquiescence in,
         any such petition or proceeding; Borrower shall apply for or permit
         the appointment by consent or acquiescence of a receiver, custodian or
         trustee of Borrower for all or a substantial part of its property;
         Borrower shall make an assignment for the benefit of its creditors;
         Borrower shall be unable or shall fail to pay its debts generally as
         such debts become due; Borrower shall commit any act which would
         provide grounds for the entry of an order for relief under any chapter
         of the Bankruptcy Code.

5.6      INVOLUNTARY BANKRUPTCY. There shall have been filed against Borrower
         an involuntary petition in bankruptcy or seeking liquidation,
         reorganization, arrangement or readjustment of its debts or for any
         other relief under the Bankruptcy Code, or under any other act or law
         pertaining to insolvency or debtor relief, whether state, Federal or
         foreign, now or hereafter existing; Borrower shall suffer or permit
         the involuntary appointment of a receiver, custodian or trustee of
         Borrower for all or a substantial part of its property; Borrower shall
         suffer or permit the issuance of a warrant of attachment or
         garnishment, execution or similar process



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         against all or any substantial part of the property of Borrower; or
         Borrower shall commit any act which would provide grounds for the
         entry of an order for relief under any chapter of the Bankruptcy Code.

5.7      JUDGEMENTS. If a judgement for the payment of money in excess of
         $50,000 shall have been rendered by any court of competent
         jurisdiction against Borrower and the same shall not have been
         discharged or varied or execution thereunder stayed, whether pursuant
         to appeal or otherwise, within ninety (90) days of the entry thereof,
         or if any order, ruling or direction of any competent authority is
         issued with respect to Borrower which materially adversely affects
         Borrower or which requires a substantial or material adverse change in
         the business or affairs of Borrower or any material disposition of
         assets of Borrower.

5.8      TAX LIENS. If any federal tax lien is filed of record against Borrower
         and is not bonded or discharged within ninety (90) days.

5.9      DEEMED INSECURE. Lender, at any time and in good faith, shall deem
         itself insecure (and for purposes of this Agreement, Lender shall be
         entitled to deem itself insecure when some event occurs, fails to
         occur, or is threatened or some objective condition exists or is
         threatened which materially impairs the prospects that any of the
         Obligations will not be paid when due, or which materially affects the
         financial or business condition or results of operations of the
         Borrower).

5.10     EVIDENCE OF NO DEFAULT. Lender shall reasonably suspect the occurrence
         of one or more of the aforesaid Events of Default and Borrower, upon
         request of Lender, shall fail to promptly provide evidence reasonably
         satisfactory to Lender that any such Event of Default has not in fact
         occurred.

5.11     NOTICE AND CURE. Notwithstanding anything herein contained to the
         contrary, Borrower shall have five (5) business days following receipt
         of written notice thereof from Lender arising out of the non-payment
         of money within which to cure such monetary Event of Default. In the
         event of a Event of Default arising under Sections 5.4, 5.7, 5.8 and
         5.9 hereof, Borrower shall have thirty (30) business days following
         receipt of written notice thereof from Lender within which to cure
         such Event(s) of Default, provided, however, that if an Event of
         Default occurs which may not reasonably be cured within said thirty
         (30) business days after notice thereof, the occurrence of such Event
         of Default will not constitute an Event of Default hereunder so long
         as efforts are commenced within said thirty (30) business day period
         to cure such Event of Default and thereafter diligently pursued until
         cure is accomplished, provided, however, in no event shall (i) such
         cure period extend beyond ninety (90) days from the date on which
         Borrower receives written notice from Lender of such Event of Default;
         and (ii) said extended cure period shall apply only if there exists a
         reasonable likelihood that such Event of Default can be cured within
         said ninety (90) day period. The notice and cure rights herein granted
         shall not apply to defaults arising under Sections 5.5 and 5.6 hereof.



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                                   ARTICLE 6

                                    REMEDIES


         Upon the occurrence of any one or more Events of Default, Lender's
obligation to extend any financing under this Agreement shall immediately
cease; provided, however, that if such Event of Default is cured within any
applicable notice and cure period, then such obligation shall be reinstated as
of the date of such Event of Default is cured or written waiver thereof is
executed by Lender. Upon the occurrence or existence of any Event of Default,
which is not cured within the applicable notice and cure period, if any, set
forth herein, or at any time thereafter, at its option and in addition to and
not in lieu of any remedies provided for in the Credit documents, or any other
statute or rule of law or equity, all of which may be exercised successively or
concurrently, Lender shall be entitled to exercise any and all remedies
available to it at law or in equity.


                                   ARTICLE 7

                              GENERAL OBLIGATIONS

         The following conditions shall be applicable throughout the term of
this Agreement, to this Agreement and to the other Credit Documents:

7.1      RIGHTS OF THIRD PARTIES. All conditions of the obligations of Lender
         hereunder and under any of the other Credit Documents, including the
         obligation to make advances, are imposed solely and exclusively for
         the benefit of Borrower and its successors and assigns and no other
         person or entity shall have standing to require satisfaction of such
         conditions in accordance with their terms or be entitled to assume
         that Lender will refuse to make advances in the absence of strict
         compliance with any or all thereof, and no other person or entity
         shall, under any circumstances by deemed to be a beneficiary of such
         conditions, any and all of which may be freely waived in whole or in
         part by Lender at any time if in its sole discretion it deems it
         desirable to do so. Borrower shall and does indemnify Lender from and
         against any liabilities, claims or losses resulting from the
         disbursement of the proceeds of the Loan. This provision shall survive
         the repayment of the Loan and shall continue in full force and effect
         so long as the possibility of such liabilities, claims or losses
         exists.

7.2      EVIDENCE OF SATISFACTION OF CONDITIONS. Any condition of this
         Agreement or any of the other Credit Documents which requires the
         submission of evidence of the existence or non-existence of a
         specified fact or facts implied as a condition the existence or
         non-existence, as the case may be, of such fact or facts, and Lender
         shall, at all times, be free independently to establish to its
         satisfaction and in its absolute discretion such existence or
         non-existence.



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7.3      NO AGENCY. Lender is not the agent or representative of Borrower, and
         Borrower is not the agent or representative of Lender, and nothing in
         this Agreement or any of the other Credit Documents shall be construed
         to make Lender liable to anyone for goods delivered to or labor or
         services performed upon any property of Borrower or for debts or
         claims accruing against Borrower.

7.4      NO PARTNERSHIP OR JOINT VENTURE OR CONTROL RELATIONSHIP. Neither this 
         Agreement nor any of the other Credit Documents shall in any respect be
         interpreted, deemed or construed as making Lender a partner or joint
         venturer with, or providing Lender with any rights to control the
         business or conduct of Borrower (or any entities related to or
         affiliated with Borrower) or to influence decisions relating the
         Borrower's business operations or the business operations of any
         entities related to or affiliated with Borrower, or creating any
         similar relationship or entity, and Borrower agrees that it will not
         make any contrary assertion, contention, claim or counterclaim in any
         action, suit or other legal proceeding involving Lender and Borrower. 

7.5      NO ASSIGNMENT BY BORROWER. This Agreement and the other Credit
         Documents may not be assigned by Borrower without the written consent
         of Lender. If Lender approves any such assignment by Borrower, Lender
         shall be entitled to make advances to such assignee and such advances
         shall be evidenced by the Note and secured by the Credit Documents.
         Borrower shall remain liable for payment of all sums advanced
         hereunder before and after such assignment.

7.6      ASSIGNMENT BY LENDER. The Note, this Agreement, and any and all of the
         other Credit Documents may be endorsed, assigned, and transferred in
         whole or in part by Lender, and any such holder and assignee of same
         shall succeed to and be possessed of the rights of Lender under all of
         the same to the extent transferred and assigned.

7.7      ENTIRE AGREEMENT. This Agreement contains the entire terms of the
         agreement between Borrower and Lender covering the disbursement of the
         Loan and the use of the Loan by Borrower.

7.8      NOTICES. Any and all notices, elections, demands, requests and
         responses thereto permitted or required to be given under this
         Agreement or any of the other Credit Documents shall be in writing,
         signed by or on behalf of the party giving the same, and shall be
         deemed to have been properly given and shall be effective upon being
         personally delivered, or upon being deposited in the United States
         Post Office, postage prepaid, certified with return receipt requested,
         to the other party at the address of such other party set forth below
         or at such other address within the continental United States as such
         other party may designate by notice specifically designated as a
         notice of change of address and given in accordance herewith;
         provided, however, that the time period in which any response to any
         such notice, election, demand or request must be given shall commence
         on the date of receipt thereof; and provided further that no notice of
         change of address shall be effective until the date of receipt
         thereof. Personal delivery to a party or to any officer, partner,
         agent or employee of such party at such address shall constitute
         receipt. Rejection or other refusal to accept or inability to deliver
         because of changed address of which no notice has been received shall
         also



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         constitute receipt. Any such notice, election, demand, request or
         response, if given to Lender shall be addressed as follows:

                              Money Services, Inc.
                           4333 Edgewood Road, N. E.
                            Cedar Rapids, Iowa 52499
                           Attention: Patrick DePalma


         and, if given to Borrower, shall be addressed as follows:

                              The WMA Corporation
                           11315 Johns Creek Parkway
                             Duluth, Georgia 30097
                        Attention: Thomas W. Montgomery



7.9      SUCCESSORS AND ASSIGNS INCLUDED IN PARTIES. Whenever in this Agreement
         or in any other Credit Document any party is named or referred to, the
         heirs, executors, legal representatives, successors, successors-in-
         title and assigns of such parties shall be included, and all covenants
         and agreements contained in this Agreement or in any other Credit
         Document by or on behalf of Borrower or by or on behalf of Lender shall
         bind and inure to the benefit of their respective heirs, executors,
         legal representatives, successors, successors-in-title and assigns
         whether so expressed or not; provided, however, that nothing contained
         in this Agreement or in any other Credit Document shall or shall be
         deemed to limit or act in derogation of any restriction on transfer or
         assignment impressed upon Borrower in any of the Credit Documents.

7.10     HEADINGS. The headings of the articles, paragraphs and subparagraphs
         of this Agreement and the other Credit Documents are for the
         convenience of reference only, are not to be considered a part hereof
         or thereof and shall not limit or otherwise affect any of the terms
         hereof or thereof.

7.11     INVALID PROVISION TO AFFECT NO OTHERS. In fulfillment of any provision
         hereof or in any of the Credit Documents or any transaction related
         thereto at the time performance of such provision shall be due, shall
         involve transcending the limit of validity presently prescribed by any
         applicable usury statute or any other applicable law, with regard to
         obligations of like character and amount, then ipso facto, the
         obligation to be fulfilled shall be reduced to the limit of such
         validity; and if any clause or provision herein or therein contained
         operates or would prospectively operate to invalidate this Agreement
         or any of the other Credit Documents, in whole or in part, then such
         clause or provision only shall be held for naught,



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         as though not herein or therein contained, and the remainder of this
         Agreement or such other Credit Document shall remain operative and in
         full force and effect.

7.12     NUMBER AND GENDER. Whenever the singular or plural number, or the
         masculine, feminine or neuter gender is used herein or in any other
         Credit Document, it shall equally include the other.

7.13     AMENDMENTS. Neither this Agreement nor any of the other Credit
         Documents, nor any provisions hereof or thereof may be changed,
         waived, discharged or terminated orally, but only by an instrument in
         writing signed by the party against whom enforcement of the change,
         waiver discharge or termination is sought.

7.14     GOVERNING LAW. This Agreement and the other Credit Documents shall be
         governed by and construed in accordance with the laws of the State of
         Iowa, except to the extent otherwise specified in any of the other
         Credit Documents in which event the specification of governing law in
         such other Credit Documents shall control.

7.15     NO WAIVER. No delay or failure on the part of any party hereto or to
         any of the other Credit Documents of the exercise of any right or
         remedy hereunder or thereunder shall operate as a waiver thereof, and
         no single or partial exercise of any right or remedy hereunder or
         thereunder shall preclude other or further exercise thereof or the
         exercise of any other right or remedy. No action or forbearance by any
         party contrary to the provisions of this Agreement or of any other
         Credit Document shall be construed to constitute a waiver of any of
         the express provisions hereof or thereof. Specifically, but without
         limiting the foregoing provisions of this paragraph, Lender may waive
         any Event of Default, and, in such event, such Event of Default shall
         be deemed non-existent ab initio and shall have no effect upon this
         Agreement; provided, however, that no such waiver shall be effective
         whatsoever unless the same is in writing, specifically describes each
         or Event of Default waived and is duly executed by an officer of
         Lender.

7.16     NO WAIVER OF CONDITIONS TO ADVANCES. No advance of proceeds hereunder
         shall constitute a waiver of any of the conditions to any obligation
         of Lender to make further advancer nor, in the event Borrower is
         unable to satisfy any such condition, shall any such advance have the
         effect of precluding Lender from thereafter declaring such inability
         to be an Event of Default.

7.17     MAXIMUM INTEREST RATE. Anything in the Note, this Agreement or any of
         the other Credit Documents to the contrary notwithstanding, it is
         understood and agreed by the parties that, if by reason of
         acceleration or otherwise, interest paid or contracted to be paid by
         Borrower on the loan shall exceed the maximum amount permitted by
         applicable law, the excess shall be credited on interest accrued or
         principal, or both, so that such interest shall not exceed the maximum
         amount permitted by such law, provided that this paragraph shall not
         have any



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         effect if there is no applicable law regulating the amount of interest
         which can be paid on the Loan or if no usury defense is available to
         Borrower.

7.18     LENDER'S LIABILITY. No action shall be commenced by Borrower for any
         claim against Lender under the terms of this Agreement or any of the
         other Credit Documents unless notice thereof, specifically setting
         forth the claim of Borrower, shall have been given to Lender within
         fifteen (15) days after the occurrence of the event or omission which
         Borrower alleges gave rise to such claim, and failure to give such
         notice shall constitute a waiver of any such claim. The liability of
         Lender to Borrower for any breach of the terms of this Agreement or
         any of the other Credit Documents by Lender shall not exceed a sum
         equal to the amount which Lender shall have failed to advance in
         consequence of a breach by Lender of its obligations under this
         Agreement or any of the other Credit Documents, together with interest
         thereon at the rate payable by Borrower for advances which Borrower is
         to receive hereunder on the Loan, computed from the date when the
         advance should have been made by Lender to the date when the advance
         is, in fact, made by Lender, and, upon the making of any such payment
         by Lender to Borrower, the same shall be treated as an advance under
         the Lender, in the same fashion as any other advance on the Loan under
         the terms of this Agreement.

7.19     SUMS HELD BY LENDER. Lender shall not, except to the extent required
         by law or otherwise provided in any Credit Document, have any
         obligation to pay interest on any sums from time to time deposited by
         Borrower with Lender, or otherwise collected by Lender, pursuant to
         this Agreement or any of the other Credit Documents.

7.20     CONFLICT WITH CREDIT DOCUMENTS. Except as otherwise specifically set
         forth herein or in the other Credit Documents, in the event of any
         conflict between the provisions hereof and any of the other Credit
         Documents, the provisions hereof shall govern but, in the absence of
         conflict, nothing herein shall restrict the rights or remedies of
         Lender under any of the other Credit Documents.

7.21     CONSTRUCTION OF AGREEMENT. No provision of this Agreement or of any
         other Credit Document shall be construed against or interpreted to the
         disadvantage of any party hereto or thereto by any court or other
         governmental or judicial authority by reason of such party having or
         being deemed to have structured or dictated such provision.

7.22     PAYMENT ON NON-BUSINESS DAYS. Whenever any payment to be made under
         the Note or any other Credit Document shall be stated to be due on a
         Saturday, Sunday, or a public holiday under the laws of the State of
         Iowa, such payment may be made on the next succeeding business day,
         and such extension of time shall in such case be included in the
         computation of payment of interest under the Note or such other Credit
         Document.



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         IN WITNESS WHEREOF, Borrower and Lender have executed this Agreement
under seal as of the date first above written.


                                   LENDER:

                                   MONEY SERVICES, INC.
                                   AN DELAWARE CORPORATION

                                   BY: /s/ PATRICK DEPALMA
                                      ---------------------------------
                                   NAME: Patrick DePalma
                                   TITLE: President


(CORPORATE SEAL)


                                   BORROWER:

                                   THE WMA CORPORATION
                                   A GEORGIA CORPORATION

                                   BY: /s/ THOMAS W. MONTGOMERY
                                      ---------------------------------
                                   NAME: Thomas W. Montgomery
                                   TITLE: Executive Vice-President

                                            (CORPORATE SEAL)



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