Exhibit 4.11


                          UNIVERSAL MONEY CENTERS, INC.

                         Instructions for Completion of
                               Rights Certificate

     The number of Rights that you have been granted is set forth on the face of
your  Rights  Certificate.  It is also  recorded  in a  register  maintained  by
Universal Money Centers,  Inc. The Rights expire at 5:00 P.M.,  Central Daylight
time,  on  September  11,  2000 (the  "Expiration  Date").  The  Rights  are not
transferable.

     As a  holder  of  Rights,  you  have a  Basic  Subscription  Privilege,  as
described in the Company's  Prospectus dated August 11, 2000 (the  "Prospectus).
Under this  Privilege,  each Right held by you entitles you to subscribe for and
purchase  one share of Common  Stock,  $.01 par value per share  ("Share")  at a
subscription price of $.40 per share (the "Subscription Price"). If you exercise
the Basic  Subscription  Privilege to the fullest extent  possible,  you have an
Over-subscription  Privilege  to purchase  additional  Shares to the extent such
Shares are available after exercise of the Basic  Subscription  Privilege by the
shareholders.  If  sufficient  Shares are not  available  to fully  satisfy  all
requests for  Over-subscription,  an allotment,  as described in the Prospectus,
will be used to apportion the available Shares.

      Rights  may be  exercised  only by the  holder  of  record  thereof.  If a
beneficial owner of Rights desires to exercise such Rights or participate in the
Over-subscription,  he may do so only by having  the holder of record act on his
behalf. A nominee which holds Rights on behalf of one or more beneficial  owners
may exercise the  Over-subscription  Privilege  described above on behalf of any
such owner to the extent that such  Privilege  may be  applicable  to the Rights
exercised on behalf of such owner.

     If you  desire to  subscribe  for and  purchase  all or some of the  Shares
corresponding to your Rights, you should complete and sign Form 1 on the reverse
side of your Rights  Certificate  and follow the Form 1  instructions  set forth
below as soon as possible.  You should also complete and execute the  Substitute
Form W-9 on the Rights Certificate.  The Subscription Price is payable in United
States  dollars by check,  bank draft or money order payable to Universal  Money
Centers,  Inc.  To execute the Rights to purchase  Shares,  you must  deliver to
Universal  Money Centers,  Inc. at the address set forth below before 5:00 P.M.,
Central Daylight time, on the Expiration Date: (1) the signed Rights Certificate
with Form 1 and the Substitute Form W-9 thereon completed and (2) payment of the
applicable Subscription Price.

     If you pay by uncertified  personal check,  you shall allow sufficient time
to ensure  delivery to Universal  Money  Centers,  Inc. and clearance of payment
made by uncertified personal check prior to 5:00 p.m., Central Daylight Time, on
the Expiration Date. Because uncertified  personal checks may take at least five
business days to clear,  you are strongly  urged to pay, or arrange for payment,
by means of certified or cashier's check or money order.

      If there are joint owners of Rights, each joint owner must sign the Form 1
and Substitute Form W-9 on the rights certificate  submitted to the Subscription
Agent.  All  signatures  should be in exactly  the same form as the names of the
registered owners are printed on the Rights  Certificate.  All other information
requested  should be printed or typed.  If the Rights  Certificate is signed and
executed by an attorney, executor,  administrator,  guardian or other fiduciary,
or by an officer of a corporation,  and the Rights Certificate is not registered
in such  manner,  the  person  so  executing  must  give his full  title in such
capacity,  and proper  evidence of  authority  to act in such  capacity  must be
furnished.


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<PAGE>


     Deliveries to Universal Money Centers, Inc. should be made to the following
address:

                               By Mail or By Hand:
                               -------------------

                          Universal Money Centers, Inc.
                                6800 Squibb Road
                              Mission, Kansas 66202
                         Attention: Christopher D. Greek

      The method you use to deliver the completed Rights Certificate and payment
of the appropriate Subscription Price is at your election and risk, and delivery
will be deemed effected only when actually  received by Universal Money Centers,
Inc. If delivery is by mail, it is suggested that insured,  registered mail with
return receipt requested be used.

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

     RIGHTS NOT EXERCISED PRIOR TO 5:00 P.M., CENTRAL DAYLIGHT TIME ON SEPTEMBER
11, 2000, UNLESS EXTENDED BY THE COMPANY,  WILL BE WORTHLESS.  RIGHTS ARE DEEMED
EXERCISED ONLY UPON THE RECEIPT BY UNIVERSAL  MONEY CENTERS,  INC. OF (1) A DULY
COMPLETED RIGHTS CERTIFICATE AND (2) PAYMENT OF THE SUBSCRIPTION PRICE.

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

COMPLETION OF FORMS:

     To complete the Rights  Certificate,  you must fill out both Form 1 and the
Substitute Form W-9. The  instructions for the Substitute Form W-9 are contained
in the Form on the Rights Certificate.  You should complete Form 1 on the Rights
Certificate in the following manner:

     1. If you wish to exercise  all or some of your  Rights,  state in line (a)
the number of Shares that you wish to purchase and the amount of payment due for
such  subscription.  One Right is required in order to purchase each Share under
the Basic  Subscription  Privilege.  Please  be sure  that you own a  sufficient
number of Rights to subscribe for the Shares you want to purchase.

     2. If you wish to  Over-subscribe,  enter in line (b) the  number of Shares
for which you wish to  over-subscribe  and the  amount of  payment  due for such
over-subscription.  You may  over-subscribe  only if you exercise your Rights to
the fullest extent possible under the Basic Subscription Privilege.

     3. On line (c), state the total  Subscription Price of the Shares which you
wish to  purchase.  To  obtain  the cost of the  Shares,  add the  amount of the
Payment  under lines (a) and (b).  You must  include  full  payment of the total
Subscription  Price with this  request.  Payment  may be by check,  or postal or
express money order,  payable in United States dollars to us. Requests  received
for subscription without any payment will be returned.

     4. On line (d), sign, print your name and state your telephone  number.  If
there are joint beneficial owners, each joint owner must sign.

     5. Rights remaining  following the  subscription  will be held by Universal
Money Centers, Inc. until instructed otherwise by the holder.


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