<PAGE>
                                 AMENDMENT TO LEASE


     THIS AMENDMENT is made and entered into effective as of the 9th day of 
December, 1997, by and between T & J INVESTMENT CO., a Kansas general 
partnership (hereinafter referred to as "Lessor") and ELECTRONIC PROCESSING, 
INC., a Missouri corporation (hereinafter referred to as "Lessee").

                                    WITNESSETH:

     WHEREAS, Lessor and Lessee entered into that certain Lease, dated 
February 20, 1996 (the "Lease"), pursuant to which Lessee agreed to lease 
from Lessor certain real estate and buildings and improvements constructed 
thereon as more fully described in Exhibit A of the Lease; 

     WHEREAS, Lessor and Lessee desire to amend the terms of the Lease as set 
forth herein;

     NOW, THEREFORE, in consideration of the agreements herein contained, it 
is hereby mutually agreed by the parties as follows:

     1.   OPTION TO EXTEND.  The parties agree that Section 3 of the Lease is 
deleted, and the following is hereby substituted in its place:

     "3.  OPTION TO EXTEND.  

          (a)  First Option to Extend.  Provided that no default then
     exists with respect to the Lessee's obligations hereunder, the Lessee
     shall have an option to extend this Lease at the end of the original
     term hereof upon the terms and conditions set forth herein for an
     additional period of five (5) years, with such extended period
     commencing March 1, 2001 and continuing up to and until February 28,
     2006. Such option is to be exercised in writing by the Lessee not
     later than six (6) months prior to the expiration of the original
     term.
          
          (b)  Second Option to Extend. Provided that the Lessee shall have
     timely exercised its first option to extend the term of this Lease and
     further provided that no default then exists with respect to the
     Lessee's obligations hereunder, the Lessee shall have a second option
     to extend this Lease at the end of the first extended term hereof upon
     the terms and conditions set forth herein for an additional period of
     five (5) years, with such extended term commencing March 1, 2006 and
     continuing up to and until February 28, 2011. Such option is to be
     exercised in writing by the Lessee not later than six (6) months prior
     to the expiration of the first extended term."

<PAGE>
          
     2.   RENT. The parties agree that Section 5 of the Lease is deleted, and
the following is hereby substituted in its place:

     "5.  RENTAL.  As rental for the Premises (the "Rental"), the Lessee 
     shall pay to the Lessor monthly rental due in advance on the first day 
     of each month in the amount of Twelve Thousand One Hundred Twenty-Five 
     and 00/100 Dollars ($12,125.00) for the period beginning March 1, 1996 
     and ending February 28, 1997.  For the period beginning March 1, 1997 
     and ending February 28, 1998, the Rental shall be Twelve Thousand Five 
     Hundred and 00/100 Dollars ($12,500.00) per month. For the period 
     beginning March 1, 1998 and ending February 28, 1999, the Rental shall 
     be Twelve Thousand Nine Hundred and 00/100 Dollars ($12,900.00) per 
     month. For the period beginning March 1, 1999 and ending February 29, 
     2000, the Rental shall be Thirteen Thousand Two Hundred and 00/100 
     Dollars ($13,200.00) per month. For the period beginning March 1, 2000 
     and ending February 28, 2001, the Rental shall be Thirteen Thousand Six 
     Hundred and 00/100 Dollars ($13,600.00) per month.
     
     In the event that the Lessee shall exercise its first option to extend 
     the term of this Lease under paragraph 3(a), the Rental for the period 
     beginning March 1, 2001 and ending February 28, 2002 shall be Fourteen 
     Thousand and 00/100 Dollars ($14,000.00) per month. For the period 
     beginning March 1, 2002 and ending February 28, 2003, the Rental shall 
     be Fourteen Thousand Five Hundred and 00/100 Dollars ($14,500.00) per 
     month. For the period beginning March 1, 2003 and ending February 29, 
     2004, the Rental shall be Fourteen Thousand Nine Hundred and 00/100 
     Dollars ($14,900.00) per month. For the period beginning March 1, 2004 
     and ending February 28, 2005, the Rental shall be Fifteen Thousand Four 
     Hundred and 00/100 Dollars ($15,400.00) per month. For the period 
     beginning March 1, 2005 and ending February 28, 2006, the Rental shall 
     be Fifteen Thousand Eight Hundred and 00/100 Dollars ($15,800.00) per 
     month.  
     
     In the event that the Lessee shall exercise its second option to extend 
     the term of this Lease under paragraph 3(b), the Rental for the period 
     beginning March 1, 2006 and ending February 28, 2007 shall be Sixteen 
     Thousand Two Hundred and 00/100 Dollars ($16,200.00) per month. For the 
     period beginning March 1, 2007 and ending February 29, 2008, the Rental 
     shall be Sixteen Thousand Six Hundred and 00/100 Dollars ($16,600.00) 
     per month. For the period beginning March 1, 2008 and ending February 
     28, 2009, the Rental shall be Seventeen Thousand and 00/100 Dollars 
     ($17,000.00) per month. For the period beginning March 1, 2009 and 
     ending February 28, 2010, the Rental shall be Seventeen Thousand Four 
     Hundred and 00/100 Dollars ($17,400.00) per month. For the period 
     beginning March 1, 2010 and ending February 28, 2011, the Rental shall 
     be Seventeen Thousand Eight Hundred and 00/100 Dollars ($17,800.00) per 
     month.
     
     Lessee shall also pay any additional rental as required hereunder."

     3.   REMAINING TERMS UNAFFECTED.  Except as specifically amended herein, 
all remaining terms, conditions, covenants and agreements contained in the 
Lease remain in full force and effect, and the parties remain obligated to 
perform the same.

                                      -2-

<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed this Amendment in
multiple counterparts, each of which shall be considered an original, as of the
day and year first above written.

ELECTRONIC PROCESSING, INC.        T & J INVESTMENT CO.

"Lessee"                           "Lessor"



By:    Tom Olofson                 By:   Tom W. Olofson
   -------------------------          -------------------------     
     Tom Olofson, C.E.O.                Tom W. Olofson, General Partner


                                   By:   Jerry L. Haney
                                      ------------------------     
                                        Jerry L. Haney, General Partner


                                      -3-