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<S>                                    <C>                           <C>
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Electronic Processing, Inc.            Industrial State Bank         Loan Number ___________________
A Missouri C corporation               32nd & Strong Avenue          Date March 4, 1997
501 Kansas Avenue                      P.O. Box 6007                 Maturity Date March 4, 1998
Kansas City, Kansas 66105-1309         Kansas City, Kansas 66106     Loan Amount $ 500,000.00
                                                                     Renewal Of ____________________

BORROWER'S NAME AND ADDRESS            LENDER'S NAME AND ADDRESS
"I" includes each borrower             "You" means the lender, its
above, jointly and severally.          successors and assigns.
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I promise to pay to you, or your order, at your address listed above the

PRINCIPAL sum of Five hundred thousand dollars and No/100 Dollars $500,000.00
                 ----------------------------------------         ------------
      / /  Single Advance: I have received all of this principal sum. No
           additional advances are contemplated under this note.
      /X/  Multiple Advance: The principal sum shown above is the maximum amount
           of principal I can borrow under this note. As of today I have
           received the amount of $____________ and future principal
           advances are contemplated.

             Conditions: The conditions for future advances are _______________

             /X/  Open End Credit: You and I agree that I may borrow up to the
                  maximum amount of principal more than one time. This feature 
                  is subject to all other conditions and expires no later than
                  ____________________, __________.
             / /  Closed End Credit: You and I agree that I may borrow up to the
                  maximum only one time (and subject to all other conditions).
PURPOSE:  The purpose of this loan is to provide a line of credit for working 
          capital.

INTEREST: I agree to pay interest (calculated on a 365/actual days basis) on 
          the principal balance(s) owing from time to time as stated below.
      / / Fixed Rate: I agree to pay interest at the fixed, simple rate of 
           _____________ % per year.
      /X/  Variable Rate: I agree to pay interest at the initial simple rate of 
           9.25% per year. This rate may change as stated below.
             /X/  Index Rate: The future rate will be 1% in excess of the
                  following index rate: Industrial State Bank's base lending
                  rate per annum
             / /  No index: The future rate will not be subject to any internal
                  or external index. It will be entirely in your control.
             /X/  Frequency and Timing: The rate on this note may increase as
                  often as quarterly.
                          An increase in the interest rate will take effect
                          quarterly beginning June 4, 1997 and on the 4th day
                          of each quarter thereafter.
      / /  Limitations: The rate on this note will not at any time (and no 
           matter what happens to any index rate used) go above or below these
           limits:
             / /  Maximum Rate: The rate will not go above ___________ 
             / /  Minimum Rate: The rate will not go below ____________ 
      Post Maturity Rate: I agree to pay interest on the unpaid balance of this
                          note owing after maturity, and until paid in full, as
                          stated below:
      / /  on the same fixed or variable rate basis in effect before maturity
           (as indicated above).
      /X/  at a rate equal to 5% in excess of the otherwise applicable rate
           hereon at the time of default.
/ /  ADDITIONAL CHARGES: In addition to interest, I / / have paid / / agree to 
pay the following additional charges _________________________________________

PAYMENTS: I agree to pay this note as follows:
      /X/  Interest: I agree to pay accrued interest quarterly beginning
           June 4, 1997 and on the 4th day of each succeeding quarter thereafter
           until maturity March 4, 1998.
      /X/  Principal: I agree to pay the principal March 4, 1998
      / /  Installments: I agree to pay this note in _________ payments. The
           first payment will be in the amount of $ _________________ and will
           be due  ____________.  A payment of $ ____________ will be due on the
            _____________ day of each _________________ thereafter. The final
           payment of the entire unpaid balance of principal and interest will
           be due ______________.
      / /  Effect of Variable Rate: An increase in the interest rate will have
           the following effect on the payments:
      / /  The amount of each scheduled payment will be increased.
      / /  The amount of the final payment will be increased.
      / /  ___________________________________________________________________

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NOTICE TO BORROWER: This written agreement is the final expression of the 
agreement between you and the Lender, and as such it may not be contradicted 
by evidence of any prior oral agreement or of a contemporaneous oral agreement 
between you and the Lender.
ADDITIONAL TERMS: NONE     INDUSTRIAL STATE BANK  ELECTRONIC PROCESSING, INC.

AFFIRMATION: By signing or initialing here, Borrower & Lender affirm that no 
unwritten oral agreement between them exists.

                            X   [ILLEGIBLE]          X   [ILLEGIBLE]
                             -----------------------  ------------------------
                             Pres     (Lender)        CEO     (Borrower(s))

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/xx/ SECURITY: This note is secured by: Accounts receivable and contract 
rights as per the Security Agreement of even date.

/ / If checked, no agreement was signed today securing this note.
(This note is secured by any agreement listed above and any other agreement 
to the extent permitted by law.)
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SIGNATURES: I AGREE TO THE TERMS OF THIS NOTE (INCLUDING THOSE ON THE OTHER 
SIDE). I have received a copy on today's date.
ELECTRONIC PROCESSING, INC.
a Missouri C corporation

By: /s/ Tom W. Olofson
--------------------------
  Tom W. Olofson, CEO

Signed: Marrion Reardon for Lender, Title: V. President
        ---------------                   -----------------
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                               ADDITIONAL TERMS

APPLICABLE LAW: The law of the state of Kansas will govern this note. Any 
   term of this note which is contrary to applicable law will not be 
   effective, unless the law permits you and me to agree to such a variation.

PAYMENTS: Each payment I make on this note will first reduce the amount I owe 
   you for charges which are neither interest nor principal. The remainder of 
   each payment will then reduce unpaid earned interest, and then unpaid 
   principal. If you and I agree to a different application of payments, we 
   will describe our agreement on this form.

INTEREST: If I receive the principal in more than one advance, each advance 
   will start to earn interest only when I receive the advance. The interest 
   rate in effect on this note at any given time will apply to the entire 
   principal advanced at that time. If the interest rate on this note is 
   variable, decreases in the interest rate will have the corresponding 
   opposite effect on my payment that increases will have (as shown on the 
   front of this form). No matter how the interest rate is computed, it will 
   never be higher than the highest rate allowed by law.

INDEX RATES: If you and I have agreed that the interest rate on this note 
   will be variable and will be related to an index rate, then the index we 
   select will function only as a tool for setting the rate on this note. 
   You do not guarantee, by selecting any index, that the rate on this note 
   will have a particular relationship to the rate you charge on any other 
   loans or any type of class of loans with your other customers.

SINGLE ADVANCE LOANS: If this is a single advance loan, you and I expect that 
   you will make only one advance of principal. However, you may add other 
   amounts to the principal if you make any payments described in the 
   "PAYMENTS BY LENDER" paragraph below.

MULTIPLE ADVANCE LOANS: If this is a multiple advance loan, you and I expect 
   that you will make more than one advance of principal. 
     If this is closed end credit, then repaying a part of the principal will
   not entitle me to additional credit. 
     If this is open end credit, then repaying a part of the principal will 
   entitle me to additional credit, unless the open end feature has expired. 
   You will not ordinarily make an advance if it would cause the unpaid 
   principal amount to become greater than the maximum principal amount, or
   if the unpaid principal amount is already greater than the maximum principal
   amount. You will never be obligated to make such an advance, even if you 
   occasionally do so.

PAYMENTS BY LENDER: If you are authorized to pay, on my behalf, charges I am 
   obligated to pay (such as property insurance premiums), then you may treat 
   those payments as advances and add them to the unpaid principal under this 
   note.

POST MATURITY RATE: For purposes of deciding when the "Post Maturity Rate"
   (shown on the other side) applies, the term "maturity" means the 
   following: 
   (1) if the note is payable on demand, the date you make your 
       demand; 
   (2) if the note is payable on demand with an alternate maturity 
       date(s), the date you make your demand or the final alternate 
       maturity date or the date you accelerate payment on the note, 
       whichever is earlier; and 
   (3) in all other cases, the date of the last scheduled payment of 
       principal or the date you accelerate payment on the note, whichever
       is earlier.

SET-OFF: You have the right to set-off any amount I owe you under this note 
   against any right I have to receive money from you. If my right to receive 
   money from you is owned by someone else not paying this note, your set-off 
   can only reach funds I could have reached with my own request or 
   endorsement. Your right of set-off does not extend to accounts where my 
   rights are only as a fiduciary. It also does not extend to my IRA or 
   other tax-deferred retirement account. 
     Your right of set-off applies without your first telling me you are going
   to use it. It applies no matter what sort or value of collateral is on this
   loan. It also applies no matter who else has agreed to pay this note. 
     You will not be liable for wrongful dishonor of a check where such dishonor
   occurs because you set-off this debt against my account.

DEFAULT: I will be in default if any one or more of the following occur:
   (1)  I fail to make payment on time or in the amount due.
   (2)  I fail to keep the collateral insured, if required.
   (3)  I fail to keep any other promise I have made in connection with this 
        loan.
   (4)  I fail to pay, or keep any other promise, on any other loan or 
        agreement I have with you.
   (5)  Any other creditor of mine attempts to collect the debt I owe him 
        through court proceedings.
   (6)  I die.
   (7)  I go into bankruptcy, whether by my own choice or not.
   (8)  I do or fail to do something which causes you to believe that you will 
        have difficulty collecting the amount I owe you.
   (9)  Anything else happens which causes you to believe that you will have 
        difficulty collecting the amount I owe you.

REMEDIES: If I am in default on this note, you have the following remedies:
   (1)  You may demand immediate payment of all I owe you under this note.
   (2)  You may set-off this debt against any right I have to the payment of 
        money from you.
   (3)  You may demand more security or new parties obligated to pay this 
        note in return for not using any other remedy.
   (4)  You may make use of any remedy you have under state or federal law.
   (5)  You may make use of any remedy given to you in any agreement securing 
        this note.
   (6)  If this is a multiple advance loan, either open end or closed end, 
        you may refuse to make advances to me while I am in default:

        By selecting any one or more of these remedies you do not give up 
   your right to later use any other remedy. By deciding not to use any remedy 
   should I default, you do not waive your right to later consider the event a 
   default if it happens again.

WAIVER: I give up my rights to require you to do certain things. I will not 
  require you to:
  (1)  demand payment of amounts due (presentment);
  (2)  obtain official certification of nonpayment (protest); or
  (3)  give notice that amounts due have not been paid (notice of dishonor).

ATTORNEYS' FEES: If you must hire a lawyer to collect this note, I must pay 
   his or her fee, plus court costs (except where prohibited by law).

SECURITY: This note is secured by any agreement listed on the reverse side 
   and any other agreement to the extent permitted by law.

ADDITIONAL PARTIES AND SECURITY: I understand that I must pay this note even 
   if someone else has signed it. You may sue me, or anyone else, or any of us 
   together, to collect this note. You do not have to tell me this note has not 
   been paid. You may release any cosigner and I will still be obligated to pay 
   the note. If you give up any of your rights it will not affect my duty to pay
   this note. Extending new credit or renewing this note will not affect my 
   duty to pay this note.

FINANCIAL STATEMENTS: I agree to provide to you, upon request, any financial 
   statements or information you may deem necessary. I warrant that all 
   financial statements and information I provide to you are or will be 
   accurate, correct and complete.

PRIVACY: I understand and agree that from time to time you may receive credit 
   information concerning me from others and furnish credit and experience 
   information regarding my loan to others seeking such information. Except when
   otherwise provided by law, I agree that you will not be liable for any claim
   arising from the use of information provided to you by others or for 
   providing such information to others.

GUARANTEE: By signing below, I unconditionally guarantee the payment of any 
   amounts owed under this note. I also agree that all the other terms of the 
   note will apply to me.

X
-----------------------------------

X
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DATE OF          PRINCIPAL      BORROWERS         PRINCIPAL      PRINCIPAL     INTEREST     INTEREST       INTEREST
TRANSACTION      ADVANCE        INITIALS           PAYMENTS       BALANCE        RATE       PAYMENTS         PAID
                             (not required)                                                                THROUGH:
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<S>              <C>         <C>                  <C>            <C>           <C>          <C>            <C>

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FORM UN=KS BACKSIDE REVISION DATE 10/3/88
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