Exhibit 4.9

                          UNIVERSAL MONEY CENTERS, INC.

                               RIGHTS CERTIFICATE


     VOID AFTER 5:00 P.M.  CENTRAL  DAYLIGHT TIME ON SEPTEMBER 11, 2000,  UNLESS
EXTENDED BY THE COMPANY (THE "EXPIRATION  DATE"). THIS RIGHTS CERTIFICATE IS NOT
TRANSFERABLE.

     The owner named below is entitled to purchase from Universal Money Centers,
Inc. (the "Company"),  shares of Common Stock,  $.01 par value per share, of the
Company ("Shares"), at a subscription price of $.40 per Share (the "Subscription
Price"), upon exercise before the Expiration Date:



[                            ]

 Place Shareholder Label Here

[                            ]


     Each Right entitles the holder of record hereof ("Holder") to subscribe for
and purchase one Share at the Subscription Price under the Basic Subscription
Privilege. If the Holder exercises the Basic Subscription Privilege to the
fullest extent possible, the Holder has an Oversubscription Privilege to
purchase additional Shares to the extent such Shares are available after
exercise of the Basic Subscription Privilege. If sufficient Shares are not
available to fully satisfy all requests for Oversubscription, an allotment, as
described in the Prospectus, will be used to apportion the available Shares.

     Upon presentation and surrender of this Rights Certificate with the
completed subscription Form 1 and substitute Form W-9 below duly executed, and
payment of the applicable Subscription Price of the purchased Shares, at the
office of Universal Money Centers, Inc., 6800 Squibb Road, Mission, Kansas
66202, Attention: Christopher D. Greek, the Holder shall be entitled to receive
a certificate representing the Shares so purchased. All Shares issued upon
exercise of the Rights Certificate, upon issuance, shall be fully paid and
non-assessable. The terms of the offering of Shares are set forth in the
Prospectus and incorporated herein by reference.

     This Rights Certificate may be exercised only by a Holder residing in a
state in which the Company can lawfully offer and sell Shares purchasable upon
exercise. This Rights Certificate shall not entitle the Holder to any voting
rights or other rights as a shareholder of the Company. The required signatures
of representatives of the Company set forth below may be facsimiles or
reproductions of such representatives' signatures.

                                   UNIVERSAL MONEY CENTERS, INC.


ATTEST:                            By:_______________________________________
                                      David S. Bonsal
________________________________      President and Chief Executive Officer
Pamela A. Glenn
Secretary

                                      -1-


<PAGE>


FORM 1 - TO SUBSCRIBE FOR SHARES*

     One Right and the Subscription Price shown hereon are required to subscribe
     for each Share, except pursuant to the Over-subscription Privilege as
     described in the Prospectus.

(a)  BASIC SUBSCRIPTION:

(No. of Shares Subscribed)    (Subscription Price)  =  Payment

     __________________    X     [$________]        =  $_________

(b)  OVERSUBSCRIPTION:

(No. of Shares Oversubscribed)(Subscription Price)  =  Payment

     __________________    X     [$________]        =  $_________


(c) PAYMENT: I hereby subscribe for Shares of Universal Money Centers, Inc.
upon the terms specified in the Prospectus.

    Total Payable to ________ Universal Money Centers, Inc. enclosed .  $_______

(d)  SIGNATURE OF RIGHTS CERTIFICATE OWNERS:


____________________________________    _______________________________________
Signature                               Signature


____________________________________    _______________________________________
Print Name                              Print Name

TELEPHONE NUMBER: (___)____________ (day)   (___)______________ (evening)

           IMPORTANT:  To prevent  backup  withholding on any payments to be
      made  to  you  by  the  Company,   you  are  required  to  notify  the
      Subscription  Agent of your  correct  taxpayer  identification  number
      (which  is   either   your   social   security   number  or   employer
      identification  number) by completing the attached Substitute Form W-9
      certifying that the taxpayer ID number provided on the Form is correct
      (or that you are awaiting a taxpayer ID number).

           Failure to provide the  information  on the  attached  Substitute
      Form W-9 and to certify that you are not subject to backup withholding
      may subject you to 31% federal income tax withholding on payments made
      to you.



*RETURN RIGHTS CERTIFICATE
 (INCLUDING ATTACHED               Universal Money Centers, Inc.
 SUBSTITUTE FORM W-9) TO:          6800 Squibb Road
                                   Mission, Kansas 66202
                                   Attention: Christopher D. Greek

                                      -2-



<PAGE>


                        SUBSTITUTE FORM W-9
                        -------------------

    The  holder  of  shares of Common  Stock is  required  to give the  holder's
taxpayer ID number  (e.g.,  Social  Security  Number or Employer  Identification
Number).  If the  shares are in more than one name or are not in the name of the
actual  owner,   consult  the   "Guidelines   for   Certification   of  Taxpayer
Identification Number on Substitute Form W-9" on the reverse side for additional
guidance on which number to report.

---------------------------------------------------------------------------
PAYER'S NAME:  Universal Money Centers, Inc., Mission, Kansas



---------------------------------------------------------------------------
Name(s) as shown on Stock  Certificate (if jointly held,  circle the name of the
person or entity whose number you enter in Part 1 below)

Name(s):        ----------------------------------------------------------------
Address:        ----------------------------------------------------------------
                ----------------------------------------------------------------
City, State and Zip Code:       ------------------------------------------------

--------------------------------------------------------------------------------
  SUBSTITUTE    Part 1 - PLEASE PROVIDE YOUR
   FORM W-9     TAXPAYER ID NUMBER IN THE     ----------------------------------
                SPACE AT RIGHT AND CERTIFY BY Social Security Number OR Employer
                SIGNING AND DATING BELOW              Identificationo Number
                -----------------------------
                ----------------------------------------------------------------

   Department   Part 2 - I certify,  under  penalties  of  perjury,  that a
                ------
of the Treasury taxpayer identification number has not been issued to me, and
Internal Revenue that I mailed or delivered an  application to receive a
    Service     taxpayer  identification  number to the appropriate Internal
                Revenue Revenue Service Center or Social Security Administration
                Service Office (or I intend to mail or deliver an application in
                the  near  future).  I  understand   that if I do not  provide a
                taxpayer  identification  number to the payer within 60 days,
                the payer is required to withhold 31% of all reportable payments
                made to me until I provide a number.

                                                  Awaiting taxpayer ID number
               -----------------------------------------------------------------
               CERTIFICATION  - UNDER  PENALTIES OF PERJURY,  I CERTIFY THAT THE
               TAXPAYER  IDENTIFICATION  NUMBER  PROVIDED  ON  THIS  FORM  IS MY
               CORRECT TAXPAYER  IDENTIFICATION NUMBER AND THAT I AM NOT SUBJECT
               TO BACKUP  WITHHOLDING,  EITHER  BECAUSE I HAVE NOT BEEN NOTIFIED
               THAT I AM SUBJECT TO BACKUP  WITHHOLDING AS A RESULT OF A FAILURE
               TO REPORT ALL  INTEREST OR  DIVIDENDS,  OR BECAUSE  THE  INTERNAL
               REVENUE  SERVICES HAS NOTIFIED ME THAT I AM NO LONGER  SUBJECT TO
               BACKUP WITHHOLDING*

               SIGNATURE                                 DATE
                        -------------------------------      ---------------
--------------------------------------------------------------------------------
    *If you have been notified that you are subject to backup withholding due to
underreporting  and have not received a notice from the Internal Revenue Service
advising you that backup  withholding  has  terminated,  you must strike out the
language certifying that you are not subject to backup withholding.

    NOTE:  FAILURE TO  COMPLETE  AND RETURN THIS FORM MAY RESULT IN
BACKUP WITHHOLDING OF 31% OF ANY REPORTABLE PAYMENTS MADE TO YOU.


                                      -3-
<PAGE>


    GUIDELINES FOR CERTIFICATION OF TAXPAYER IDENTIFICATION

                   NUMBER ON SUBSTITUTE FORM W-9

Guidelines for Determining the Proper Identification Number to Give the
Payer.--Social Security numbers have nine digits separated by two hyphens; i.e.
000-00-0000. Employer identification numbers have nine digits separated by only
one hyphen: i.e. 00-0000000. The table below will help determine the number to
give the payer.


For this type of account:                   Give the SOCIAL SECURITY number of:
--------------------------------------------------------------------------------

 1.  An Individual's account                The individual

 2.  An account of two or more              The actual owner of the account or,
     individuals (joint account)            if combined funds, the first
                                            individual on the account1

 3.  Custodial account of a minor           The minor2
     (Uniform Gift to Minors Act)

4.   a.  The usual revocable trust
         account (grantor is also trustee)  The grantor-trustee1
     b.  So-called trust account that
         is not a legal or valid trust
         under state law                    The actual owner1


                                            Give the EMPLOYER IDENTIFICATION
For this type of account:                   number of:
--------------------------------------------------------------------------------

 5.  Sole proprietorship account            The owner3

 6.  A valid trust, estate or
     pension trust                          Legal entity4

 7.  Corporate account                      The corporation

 8.  Partnership account                    The partnership

 9. A broker or registered nominee          The broker or nominee


     Note:  If no name is circled  when there is more than one name,  the number
will be considered to be that of the first name listed.

Obtaining a Number:  If you don't have a taxpayer  identification  number or you
don't know your  number,  obtain Form SS-5,  Application  for a Social  Security
Number Card, or Form SS-4,  Application for Employer  Identification  Number, at
the local office of the Social Security  Administration  or the Internal Revenue
Service and apply for a number.



---------------------
1 List first and circle the name of the person whose number you provide.
2 Circle the minor's name and provide the minor's Social Security number.
3 Show the name of the owner.
4 List first and circle the name of the legal trust, estate, or pension trust.


                                      -4-