Document:

SUBLEASE AND ASSUMPTION AGREEMENT

     This Sublease and  Assumption  Agreement (the  "Sublease"),  dated July 28,
2000 relates to a Master  Equipment  Lease  Agreement,  Lease Number 1200273 and
Master Equipment Lease Agreement  Schedule,  Schedule Number 00010 (collectively
referred to as the "Lease"),  a copy of which is attached to this Sublease.  The
Lease describes the leased equipment (the  "Equipment") and contains the Term of
the Lease and the Rental Payments.

     The Current  Lessee is: Patriot Bank Corp. and Patriot Bank, as jointly and
severally liable, as Co-Lessees (hereinafter referred to as "Lessee").

     Address: High and Hanover Streets, Pottstown, Pennsylvania 19464

     The Lessor is: Newcourt Communications Finance Corporation

     Address: 2 Gatehall Drive, Parsippany, New Jersey 07054

     Lessee is currently  leasing the  Equipment  from Lessor under the terms of
the Lease and desires to sublease  and assign its rights and  obligations  under
the Lease to the following Sub-lessee:

     The Sub-lessee is: Universal Money Centers, Inc.

     Address: 6800 Squibb Road, Mission Kansas 66202 (hereinafter referred to as
"Sub-Lessee").

     Intending to be legally bound, in consideration of One Dollar,  the receipt
and  sufficiency of which is  acknowledged,  and to induce Lessor to accept this
Sublease, Lessee and Sub-lessee hereby agree as follows:

     1.   Sub-lessee agrees to pay the sum of $3,828.00 per month, for a  period
of 40  months,  which  payments  will begin on August 1, 2000 and are due on the
same day of each  following  month.  A  security  deposit  equal to four  months
payments,  or  $15,312.00  shall  be paid to  Lessee  with the  signing  of this
Sublease.  The security deposit,  at Lessee's option, may be applied to cure any
default,  in which event Sub-lessee must promptly restore it to its full amount.
Upon full compliance of the contract terms,  conditions,  and  obligations,  the
security deposit, without interest, shall be refunded to the Sub-lessee upon the
return and  delivery of the  equipment to the Lessor at the  termination  of the
term of this lease. Lessee agrees to remain solely responsible to Lessor for the
remaining portion of the Rent Payment due under the Lease to Lessor.

     2.   Lessee  assigns,  transfers  and delivers  to Assignee all of Lessee's
right, title and interest in and to the Lease, the Equipment, subject to all the
terms, conditions, covenants and agreements contained in the Lease.

     3.   Sub-lessee  relinquishes  any right or claim to the  Security  Deposit
paid by Lessee, if any, and waives any right to require Lessor to return, refund
or credit  Sub-lessee with all or any part of any sums that may be refundable to
Lessee under the Lease.

<PAGE>

     4.   Sub-lessee  accepts this Sublease and the Equipment as of the date  of
this  Sublease  and  assumes  and agrees to perform  all the terms,  conditions,
covenants and agreements of the Lease on the part of the Lessee to be performed.
This  Sublease  shall be binding on the legal  representatives,  successors  and
assigns of Sub-lessee.  Sub-lessee  agrees to provide and maintain the insurance
coverages  required  under  paragraph 8 of the Lease with both Lessor and Lessee
being named as loss payees.  Such proof of  insurance  shall be provided to both
Lessor and Lessee on an annual basis.

     5.   Sub-lessee  acknowledges that  neither Lessor nor Lessee have made any
warranty or  representation  to Sub-lessee  in connection  with the Lease or the
Equipment,  whether express or implied. Sub-lessee accepts this Sublease and the
Equipment  without  regard  to the  present  condition  and/or  location  of the
Equipment  and  Sub-lessee  agrees  not to move  any of the  Equipment  from its
present  location  without the express written consent of Lessee,  which consent
shall not be unreasonably withheld provided that the new location is east of the
Mississippi  River with the  exception  of a warehouse  maintained  by Universal
Money which is located in Kansas City, MO. As between Lessee and Sub-lessee, any
approved  relocation of equipment shall be performed at  Sub-lessee's  sole risk
and expense.

     6.   In the event that Sub-lessee  fails or  refuses  to  promptly  pay  or
perform  any  obligation  of Lessee  under the Lease or this  Sublease,  then as
between Lessee and  Sub-Lessee,  Lessee shall have all remedies  available to it
against Sub-Lessee under paragraph 20 of the Lease as if it were the Lessor.

     7.   Lessee agrees to provide  Sub-lessee with any notices it receives from
Lessor  regarding  the Lease within five (5) business  days of Lessee's  receipt
from Lessor.

     8.   This  is a true lease.  At the end of the initial  term of this Lease,
Lessee  shall be  responsible  to provide  notice of  termination  to Lessor per
paragraph 18 of the Lease and  Sub-lessee  shall be  responsible to complete the
return of the equipment to Lessor per paragraph 18 of the Lease at  Sub-lessee's
cost.

     9.   The Sublease is intended to benefit only Lessee, Sub-lessee and Lessor
and no other persons. This Assignment shall be governed by the laws of the State
of New Jersey.  The parties hereto ratify the choice of law and forum  selection
clauses contained in paragraph 30 of the Lease.

                                  Page 2 of 3
<PAGE>

     IN WITNESS  WHEREOF,  Lessee and Sub-Lessee have caused this Sublease to be
executed by their duly  authorized  officers or  representatives  as of the date
first indicated above.

Lessee:                                  Sub-Lessee:
PATRIOT BANK CORP.                       UNIVERSAL MONEY
CENTERS, INC.

BY:  /s/ Lori Adamski                    BY:  /s/ John L. Settles
Deposit. Services Team Leader            President

DATED:  July 28, 2000                    DATED:  July 31, 2000

Lessee:
PATRIOT BANK

BY:

DATED:

                              CONSENT TO ASSIGNMENT
                              ---------------------

The  undersigned,  Lessor in the above referenced  Lease,  consents to the above
Sublease,  transfer  and  delivery  of the  Lease  and  Equipment  by  Lessee to
Sub-Lessee  pursuant  to  the  terms  of the  above  Sublease,  on  the  express
conditions  that:  (i) Sub-lessee has agreed to perform and shall perform to the
undersigned, the terms, conditions, covenants and agreements of the Lease on the
part of the Lessee to be  performed,  and (ii) Lessee  shall not be excused from
Lessee's  obligation  under the Lease in the event of Sublessee's  breach of the
Lease.

Lessor:
NEWCOURT COMMUNICATIONS FINANCE
CORPORATION

BY:

DATED:

                                  Page 3 of 3ATM SUBLEASE

      THIS ATM SUBLEASE  ("Sublease"),  made and entered into as of the 31st day
of  July,  2000,  by and  between  NATIONWIDE  MONEY  SERVICE,  INC.,  a  Nevada
corporation   ("Sublessor")  and  UNIVERSAL  MONEY  CENTERS,  INC.,  a  Missouri
corporation ("Sublessee").

                                   WITNESSETH:

      WHEREAS,  by a certain written Master Lease Agreement (the "Master Lease")
dated January 28, 1996, as amended by Lease  Schedule No. 2 dated August 1, 1996
("Lease  Schedule";  together  with the Master  Lease,  the "Lease  Agreement"),
Lessor leased to Sublessor certain automatic teller machines ("ATMs"), including
the ATMs set forth on Exhibit A hereto  (collectively,  the "Leased  ATMs",  and
individually a "Leased ATM").

      WHEREAS,  Sublessee  desires to sublease from Sublessor,  and Sublessor is
willing, to sublet to Sublessee the Leased ATMs on the terms and conditions more
particularly set forth hereinafter.

      NOW, THEREFORE,  in consideration of the mutual covenants,  conditions and
agreements herein contained, Sublessor and Sublessee agree as follows:

1.   Sublease.  Sublessor,  for and in  consideration of the rents and covenants
     specified to be paid, performed and observed by Sublessee, does hereby let,
     sublet,  lease and demise to  Sublessee  the  Leased  ATMs for the term and
     according to the covenants and conditions contained herein.

2.   Term;  Renewal.  Subject  to Section 7 of this  Sublease,  the term of this
     Sublease  shall be for a period of 12 months  commencing  on August 1, 2000
     and  terminating  on August 1, 2001.  At the end of the Sublease  Term,  if
     Sublessee has not purchased the Leased ATMs from Lessor pursuant to Section
     8 herein,  Sublessor  shall take possession of the Leased ATMs as set forth
     on  Exhibit A hereto or such  other  location  where a Leased  ATM has been
     moved pursuant to Section 5(d) herein.

3.   Rent and Other  Charges.  Sublessee  shall pay to  Sublessor,  the  initial
     sum  of Six  Hundred  Fifty-One  and  00/100  Dollars  ($651.00)  upon  the
     execution of this sublease which shall represent the first month's rent for
     the Leased  ATMs.  The sum of Two  Hundred  Seventeen  and  00/100  Dollars
     ($217.00) per Leased ATM, per month, will be due and payable on the 1st day
     of each month following the initial payment, continuing on the first day of
     each month  until the end of the  specified  term as set forth in Section 2
     above.  Except as expressly provided in this Sublease,  Sublessee shall not
     be obligated to pay  Sublessor  any other  amount in  connection  with this
     Sublease.

4.   Liens And Encumbrances;  Title; Personal Property.  Lessor is sole owner of
     the Leased  ATMs and no right,  title or  interest in the Leased ATMs shall
     pass to Sublessor or Sublessee, as the case may be, other than, conditioned
     upon (i) compliance with and fulfillment of the terms and conditions of the
     Master Lease by Sublessor, and

<PAGE>

     (ii)  compliance  with and  fulfillment of the terms and conditions of this
     Sublease  by  Sublessor  and  Sublessee,  as the case may be,  the right to
     maintain  possession  and use of the Leased ATMs for the Sublease Term free
     from  interference  by any  person.  At its option,  Sublessor  may require
     Sublessee  to affix  plates,  markings or other  notices on the Leased ATMs
     indicating  Lessor is the owner.  The Leased ATMs shall at all times remain
     personal property, notwithstanding, the Leased ATMs or any part thereof may
     be (or become)  affixed or attached  to real  property or any  improvements
     thereon.

5.   Operation and Maintenance; Inspection.
     -------------------------------------

     a.   Sublessee shall be solely responsible for the installation, operation,
          and  maintenance of the Leased ATMs, and, at its own cost and expense,
          shall (i) keep the Leased ATMs in good repair,  condition  and working
          order,  in  accordance  with any  applicable  manufacturer's  manuals,
          instructions  or  requirements,  (ii)  furnish all parts,  mechanisms,
          devices and servicing required therefor,  (iii) make all replacements,
          alterations  or  additions  to the Leased ATMs that may be required by
          the  vendor  or  manufacturer  of the  Leased  ATMs or may be  legally
          necessary,  and (iv) make no other  alterations  or  additions  to the
          Leased  ATMs  without  the prior  written  consent  of  Lessor.  Parts
          attached  to or  installed  in or on the Leased  ATMs as  required  by
          clauses (i)-(iv) above shall be free and clear of all liens and have a
          value,  utility and remaining  useful life at least equal to the parts
          replaced.  Title to all such parts  shall  immediately  vest in Lessor
          without  cost to  Lessor,  or any  further  action,  and  such  parts,
          alterations or additions shall be deemed  incorporated into the Leased
          ATMs and subject to the terms of this Sublease and the Lease Agreement
          as if originally leased thereunder.

     b.   Sublessee  shall use and operate the Leased ATMs by competent and duly
          qualified personnel, and for business purposes only in compliance with
          applicable law,  applicable  manufacturer's  manuals,  instructions or
          warranty requirements and all insurance.

     c.   Sublessee,  at its own cost and expense, shall enter into and maintain
          in full  force and  effect  throughout  the  Sublease  Term,  with the
          manufacturer or such other party as may be acceptable to Sublessor,  a
          maintenance agreement covering the Leased ATMs.

     d.   Sublessee  shall not move the Leased ATMs from the location  specified
          in the Lease Schedule  without the prior written consent of Sublessor,
          which consent  shall not be  unreasonably  withheld,  and, if granted,
          without  executing,  financing  statements and  completing  filings or
          taking  such other  actions as  Sublessor  may  reasonably  request to
          protect Lessor's interest in the Leased ATMs.

     e.   Sublessee  agrees  never to abandon or  relinquish  possession  of the
          Leased ATMs except to Sublessor or its agents.

     f.   Subject  to  Sublessee's  standard  security  procedures,   Lessor  or
          Sublessor  may enter the  premises  where the  Leased  ATMs is located
          during normal business

                                       2
<PAGE>

          hours for the  purpose of (i)  inspecting  the Leased  ATMs and,  (ii)
          showing the Leased ATMs to  prospective  purchasers  or lessees of the
          Leased ATMs.

6.   Risk Of Loss.  Until  Sublessee  acquires  ownership  of the  Leased  ATMs,
     Sublessor hereby assumes and shall bear all risk of loss, theft,  damage or
     destruction of the Leased ATMs by any cause whatsoever  including,  without
     limitation,  economic  loss through  extraordinary  or premature  wear,  or
     condemnation,  confiscation,  seizure or requisition of the title or use of
     any of the Leased  ATMs by any  government  entity and  whether or not such
     Loss is covered by insurance (collectively,  "Loss"). In the event of Loss,
     Sublessee  shall promptly  notify  Sublessor in writing of the Loss and all
     related details and any action related thereto, and Sublessor shall, within
     thirty (30) days of the Loss, at Sublessor's  option: (a) repair the Leased
     ATMs and restore it to the same good  condition and working order as it was
     immediately  prior  to  the  Loss  (assuming  the  Leased  ATMs  was in the
     condition  required  by the terms of Section 5 herein);  or (b) replace the
     Leased  ATMs  affected  by  the  Loss  with  like  personal  property  with
     equivalent value,  useful life and utility,  in good repair,  condition and
     working order.

7.   Default.
     -------

     a.   If  Sublessee  fails to make any rent  payment when due as provided in
          this  Sublease and such  failure to pay is not cured for 30 days,  the
          Sublease shall terminate within 10 days of Sublessee receiving written
          notice of such failure.

     b.   The Sublease shall  automatically  terminate when the Lease  Agreement
          terminates.

     c.   In the event  Sublessee  fails to comply with any other  provision  of
          this  Sublease,  Sublessor  shall  have the  right,  but  shall not be
          obligated,  to effect such compliance on behalf of Sublessee.  In such
          event,  all  monies  expended  by and all  expenses  of  Sublessor  in
          effecting such compliance  shall be deemed to be additional  rent, and
          shall be paid at the time of the next rent payment after  receiving an
          invoice detailing the same.

     d.   In the event  Sublessor  fails to comply with the  provisions  of this
          Sublease,  Sublessee  shall have the right,  but not the obligation to
          effect such  compliance  on behalf of  Sublessor.  In such event,  all
          monies  expended by and all expenses of  Sublessee  in effecting  such
          compliance shall be deemed to be the obligation of Sublessor and shall
          be paid to Sublessee within 10 days of receiving an invoice  detailing
          the same.

8.   Purchase Option.
     ---------------

     a.   If no event of default  exists under  Section 7 herein,  Sublessee has
          complied  with all of the terms and  conditions  of the  Sublease  and
          Sublessee  delivers to Lessor and  Sublessor  an  irrevocable  written
          notice at least one hundred  thirty-five  (135) days prior to the last
          day of  the  Lease  Term  (as  such  term  is  defined  in  the  Lease
          Agreement),  Sublessee  shall have the option to purchase all, but not
          less than all,  of the  Leased  ATMs at the end of the  Sublease  Term
          (August 1, 2001) for an

                                       3
<PAGE>

          additional one-time payment of One Thousand Four Hundred  Thirty-Seven
          and 00/100  Dollars  ($1,437.00)  per ATM.  This final  payment,  (The
          Purchase  Price) is  subsequent  to  remitting,  twelve  (12)  monthly
          payments of $217.00 per ATM for the period  commencing  August 1, 2000
          and ending July 31, 2001.

     b.   If Sublessee  elects to purchase the Leased ATM per the terms outlined
          above,  Sublessee  shall pay  Lessor  the final  Purchase  Price on or
          before the last day of the Lease Term in immediately  available  funds
          and the sale of the Leased ATMs by Lessor to Sublessee  shall be on an
          AS-IS,  WHERE-IS basis, without recourse to, or warranty by Lessor and
          the  LESSOR  SHALL NOT BE DEEMED TO HAVE MADE,  AND THE LESSOR  HEREBY
          EXPRESSLY DISCLAIMS, ANY REPRESENTATION OR WARRANTY,  EITHER EXPRESSED
          OR IMPLIED, AS TO ANY MATTER WHATSOEVER, INCLUDING WITHOUT LIMITATION,
          THE DESIGN OR CONDITION OF THE LEASED ATMS, THEIR  MERCHANTABILITY  OR
          THEIR FITNESS FOR USE OR FOR ANY  PARTICULAR  PURPOSE,  THE QUALITY OF
          THE  MATERIAL  OR  WORKMANSHIP  OF  THE  LEASED  ATMS,  ITS  VALUE  OR
          CONFORMITY TO ANY SPECIFICATIONS OR AGREEMENTS  RELATING THERETO,  NOR
          SHALL THE LESSOR BE LIABLE FOR INCIDENTAL OR CONSEQUENTIAL  DAMAGES OR
          FOR STRICT OR ABSOLUTE LIABILITY IN TORT.

9.   Notices. All notices,  requests, demands and communications with respect to
     this Sublease,  whether or not herein  expressly  provided for, shall be in
     writing,  and shall be deemed to have been duly given when and if mailed by
     United States  First-Class  Certified or Registered Mail,  postage prepaid,
     return receipt  requested,  to the parties at the respective  addresses set
     forth below,  or to such other  address or  addresses  as may  hereafter be
     designated by either party in writing for such purpose.

            If to Sublessor:  National Money Services, Inc.
                              221 Ponte Vedra Park Dr.
                              Suite 100
                              Ponte Vedra Beach, FL 32082
                              Telephone: 904-280-8500
                              Facsimile: 904-280-8588

            If to Sublessee:  Universal Money Centers, Inc.
                              6800 Squibb Road
                              Mission, KS 66202
                              Telephone: (816) 831-2055
                              Facsimile: (816) 831-0248

10.  Assignment.  Except by operation of law,  neither  Sublessor  nor Sublessee
     shall, without the prior written consent or the other party, (i) assign its
     rights and  obligations  under this  Sublease;  or (ii) let or  underlet or
     permit the Leased ATMs or any part thereof to be used by others.

                                       4
<PAGE>

11.  Entire Agreement;  Amendments;  Binding Effect.  This Sublease contains the
     entire  agreement  among the  parties  hereto  with  respect to the subject
     matter  covered  hereby,  may not be  amended  or  rescinded  except  by an
     instrument  in writing  executed by each of the parties  hereto,  and shall
     inure to the benefit of and be binding upon the  successors  and  permitted
     assigns of the parties hereto.

IN WITNESS WHEREOF,  the parties have hereunto executed these presents as of the
day and year first above written.

                        NATIONWIDE MONEY SERVICES, INC. ("Sublessor")

                        By:   /s/ Michael J. Dodak
                           ---------------------------------------------------

                        Printed Name:           Michael J. Dodak
                                     -----------------------------------------

                        Title:                  Chief Executive Officer
                              ------------------------------------------------

                        UNIVERSAL MONEY CENTERS, INC. ("Sublessee")

                        By:   /s/ John L. Settles
                           ---------------------------------------------------

                        Printed Name:           John L. Settles
                                     -----------------------------------------

                        Title:                  President
                              ------------------------------------------------

                                       5

<PAGE>

                                    EXHIBIT A

--------------------------------------------------------------------------------
Terminal                                                                 Serial
  ID          Name               Address         City      ST    Equip     #
--------------------------------------------------------------------------------
571002    Coastal Mart       8220 S. Orange    Orlando     FL   Triton   5117306
              #9037          Blossom Trail                       9600
--------------------------------------------------------------------------------
571003    Coastal Mart        9725 S.           Maitland   FL   Triton   5111133
              #9066           US Hwy. 1792                       9600
--------------------------------------------------------------------------------
 TBD     Convenient Food     530 N. Douglas    Belleville  IL   Triton   511199
              Mart                                               9600
--------------------------------------------------------------------------------

                                       6

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00015-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00015-of-00352.parquet"}]]