Document:

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                                                                    EXHIBIT 10.4

NCR CORPORATION
AUTOMATED TELLER MACHINE ("ATM") SERVICES ADDENDUM

This ATM Services Addendum between Cardtronics, LP, a Delaware limited
partnership, whose principal offices are at 3000 Hayes Road, Suite 101, Houston,
Texas 77082 ("You") and NCR Corporation ("NCR") is agreed to on July 26, 2001
(the "Effective Date").

1.0      THIS ADDENDUM

1.1      Our Contract with respect to ATM Services you acquire from NCR consists
         of the ("Master Agreement #66073, this Addendum, and any Appendices
         attached to this Addendum. Unless otherwise agreed in writing, all ATM
         Services will be governed by this Addendum.

1.2      If a conflict exists between the terms and conditions of any of the
         documents referenced above, the order of precedence will be (a)
         Appendices to this Addendum; (b) this Addendum; and (c) the Master
         Agreement. Any pre-printed language on your or NCR's Order Forms will
         not apply.

2.0      TERM

2.1      The initial term of this Addendum ("Initial Term") will begin on the
         Effective Date indicated above and will continue for a period of three
         years. Thereafter, this Addendum will automatically renew for one year
         periods, until terminated by either party by written notice to the
         other no less than 90 days prior to the end of the Initial Term or
         renewal period, unless terminated according to Section 10.

2.2      NCR will commence providing the services described herein upon the
         execution hereof to all of the equipment listed on Appendix C.

         Upon 30 days written notice to NCR, Cardtronics may remove from service
         or relocate the equipment covered by this Addendum without any penalty
         or liquidated damages being assessed against it. Further, upon 30 days
         written notice and subject only to Section 4.2.7, Cardtronics may add
         equipment to be covered hereunder. NCR shall adjust its quarterly
         invoicing to Cardtronics to reflect the addition or deletion of
         equipment as the case may be. This information will include the
         information described in Appendix A, as well as the new location (with
         complete street address, city, state and zip/postal code, and new
         location number) and the effective date of the change. If you do not
         provide the required notice, NCR will invoice you at T&M rates for
         extra work caused as a result.

2.3      If NCR has installed Mas-Hamilton CenCon 2000 or equivalent ("Cencon")
         locks on ATMs as part of the Services, and you terminate Services with
         respect to any ATM, you will reimburse NCR $  *  minus $  *  for each
         full year the lock was in service on that ATM, and you will pay NCR at
         T&M rates, not to exceed $  *  per ATM, to deactivate the lock.

2.4      Immediately upon termination of this Addendum, NCR will delete all
         Cencon locks assigned to your ATMs from its systems. This action will
         permanently prevent issuance of

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

                                                                          Page 1

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         keys or combinations by NCR to access the locks; NCR will not be able
         to provide administrative support after that time, and will not be
         responsible for any cost resulting from your failure to Super-Shelve
         the locks or take other actions necessary to effect the transition of
         service.

3.0      DEFINITIONS

3.1      As used in this Addendum, the following terms will have the following
         meanings. Capitalized terms not defined in this Addendum will have the
         meanings assigned in the Master Agreement.

         (a)      "ATM Loss" means a single occurrence of the loss of Valuables
                  from a single ATM. ATM Losses only include stolen or destroyed
                  negotiable instruments to the extent you take all commercially
                  reasonable efforts to reconstruct lost or destroyed items and
                  take other action as may reasonably be necessary to assure the
                  maximum amount of reconstruction of such items, including
                  without limitation, requesting depositors of any negotiable
                  instrument, including checks, to issue duplicates thereof.

         (b)      "ATM Loss Liability Limit" means the maximum amount of NCR's
                  liability for an ATM Loss. The ATM Loss Liability Limit will
                  be $  *  .

         (c)      "Customer Preventable Call" is a Service call which could have
                  been avoided had you properly undertaken your obligations
                  hereunder. Customer Preventable Calls include, but are not
                  limited to, calls for First Line Maintenance to replenish
                  supplies because you (or your cash replenisher) neglected to
                  do so during normal business hours.

         (d)      "Days" means calendar days unless specified otherwise.

         (e)      "Good Operating Condition" means conformance to the
                  manufacturer's then-current customer-level documentation.

         (f)      "Principal Period of Maintenance" ("PPM") is the time period
                  (in hours per day and days per week) during which NCR will
                  provide Services.

         (g)      "Response Time" is the interval between your call to NCR and
                  NCR's arrival at the ATM. Response Time intervals are measured
                  during the PPM only. For example, if the PPM is 8:00 a.m.
                  through 5:00 p.m. and NCR receives a request of service at
                  4:00 p.m. and responds at 9:00 a.m. the following day, the
                  Response Time is 2 hours.

         (h)      "Valuables" includes but is not limited to (i) bills, coins,
                  and stamps (collectively, "Currency"); and (ii) checks and
                  other negotiable instruments.

3.2      Reference to the conduct of a party includes the conduct of employees,
         subcontractors or agents of that party. NCR may provide Services either
         directly or through subcontractors.

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

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4.0      SCOPE

4.1      In return for payment of services in accordance with the rates set
         forth in Appendix "A", NCR will provide First Line Maintenance Services
         (defined in Appendix B) and Second Line Maintenance Services (defined
         in Section 4.2) to the equipment specified in Appendix C, which may be
         updated from time to time in accordance with Section 2.2.4.2 Second
         Line Maintenance consists of Remedial Hardware Maintenance, Replacement
         Parts, Preventive Maintenance, and Engineering Changes to NCR
         manufactured ATMs, as described below, necessary to keep the ATM in
         Good Operating Condition. Generally, NCR will attempt problem diagnosis
         and resolution on a remote basis first.

         4.2.1    Remedial Hardware Maintenance - Remedial Hardware Maintenance
                  consists of those functions required to repair a
                  malfunctioning ATM and return it to Good Operating Condition.
                  Remedial Maintenance includes software support as required to
                  repair failed or malfunctioning hardware including software
                  reloads and log and tally audits. (For non-NCR ATMs, NCR will
                  restore the operating system software to the internal drive
                  provided the backup operating system software is available on
                  site). NCR's response to a service request will be consistent
                  with the nature of the problem, and may include remote support
                  in the form of on-line diagnosis and telephone assistance, and
                  if necessary, on-site presence.

         4.2.2    Replacement Parts - NCR will install parts on an exchange
                  basis. Installed parts may be new or reconditioned used parts.
                  Replacement parts become your property (if you own the
                  equipment). Replaced parts become the property of NCR. As used
                  in this Addendum, the term "parts" does not include consumable
                  items such as batteries, paper, printheads, and storage media.

         4.2.3    Preventive Maintenance - Preventive Maintenance consists of
                  any functions performed on a proactive basis designed to keep
                  the ATM in Good Operating Condition. Any applicable Preventive
                  Maintenance will be performed one time during the year as part
                  of a regular service call. Preventive Maintenance may include
                  system monitoring as applicable.

         4.2.4    Engineering Changes - Engineering Changes include any safety
                  changes to NCR ATMs required of NCR by a governmental or
                  regulatory entity. Such safety changes will be made at no
                  additional charge. Other engineering changes, e.g., changes
                  intended to enhance reliability or serviceability of NCR
                  equipment, that are generally adopted by NCR and provided to
                  NCR's maintenance customers at no charge, if any, will also be
                  made by NCR at no additional charge and will be installed at
                  NCR's convenience. When NCR provides Second Line Maintenance
                  for non-NCR ATMs, NCR will not accept responsibility for the
                  tracking, procurement or installation of Engineering Changes
                  to such equipment. If you agree to furnish NCR with such
                  Engineering Changes NCR may agree to install the Engineering
                  Change at NCR's standard labor rate.

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         4.2.5    NCR's target Response Time to your requests for Remedial
                  Maintenance during the PPM for ATMs within Zone 1, is 4 hours,
                  with one hour added for each zone beyond Zone 1. (Service
                  "Zones" are defined in Section 7.0) NCR will respond to
                  requests for Remedial Maintenance outside the PPM on a
                  commercially reasonable "best efforts" basis at the T&M Rate
                  of $  *  for Second Line services.

         4.2.6    Unless otherwise agreed in writing, new NCR ATMs will receive
                  the level of support specified by their warranty. If you
                  upgrade the warranty to receive a higher level of support, the
                  warranty upgrade charge will commence on installation. At the
                  expiration of the warranty period, NCR ATMs will automatically
                  be placed under this Addendum for the remainder of the term at
                  the rates specified in Appendix A, or if not specified, at
                  rates agreed by the parties. NCR does not assume the
                  manufacturer's warranty obligations on non-NCR equipment.

         4.2.7    Save and except for the ATMs identified in Appendix C, prior
                  to accepting any ATM's for inclusion in the service program
                  defined herein, NCR may inspect and if necessary repair, ATMs
                  which have not been subject to NCR warranty or maintenance for
                  90 days or longer. Although the ATMs identified in Appendix C
                  shall be included in the service program upon the execution
                  hereof, upon its first call or visit to each ATM site NCR will
                  advise Cardtronics if any of these ATMs need repair. If so,
                  that ATM will be excluded from the program on a retroactive
                  basis until such repairs are made. Inspection and any
                  necessary repairs will be at Cardtronics expense.

         4.2.8    NCR will determine in its discretion if it will provide
                  maintenance for ATMs which have been subject to Alterations or
                  Attachments. NCR will not maintain ATMs if an Alteration or
                  Attachment creates a safety hazard or renders maintenance or
                  repair impractical. An "Alteration" is a change made to the
                  physical, mechanical, or electrical arrangement of hardware,
                  whether or not additional devices or parts are required, and
                  an "Attachment" is a mechanical, electrical, or electronic
                  interconnection to NCR hardware of non-NCR hardware marketed
                  by others. If an Alteration, Attachment, use of supplies not
                  meeting the ATM manufacturer's specifications, use of
                  unsupported software, use of software not furnished by NCR, or
                  modifications to NCR-supported software not performed by NCR
                  result in an increase in maintenance costs, NCR may increase
                  maintenance charges to reflect that increased cost.

         4.2.9    Second Line Maintenance does not include clearing of paper,
                  card, envelope and currency jams, the replenishment of media
                  and supplies (paper, ribbons, ink cartridges, and print
                  heads), software version level upgrades (maintenance releases
                  or software code corrections for NCR ATMs are included for the
                  current shipping software version and the last release of the
                  prior software version), or Administrative Maintenance
                  including retrieval of mutilated cash from the divert
                  cassette, retrieval of captured cards, or the general cleaning
                  of ATM and the immediate surrounding area. (Note: ATM software
                  support is available for NCR

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

                                                                          Page 4

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                  ATMs under a separate ATM Enhanced Software Support Addendum.
                  NCR will not accept responsibility for application software
                  support for non-NCR equipment).

         4.2.10   Excess currency (commonly called "side cash") stored in the
                  ATM is not authorized, and NCR will not be responsible for any
                  loss of side cash. If side cash is found by NCR while at the
                  ATM site, NCR reserves the right to re-schedule service at a
                  later time and will not be obligated to continue service until
                  the side cash has been removed.

4.3      Services will be performed only during the PPM. If a service request
         received by NCR within the PPM cannot be completed by the end of that
         day's PPM, it will be continued during the next occurring hours of the
         PPM. Except as otherwise agreed in writing, the PPM does not include
         New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving
         Day, Christmas Day and any other day recognized locally as a legal
         holiday (collectively, "Holidays").

4.4      The following services are not covered by this Addendum and are
         billable to you on a "Per Call" basis at the T&M Rate. Per Call
         services are billed upon performance and are subject to personnel and
         material availability.

         (a)      Any service which, at your request, is provided outside the
                  PPM, or which is beyond the scope of the service as described
                  in this Addendum.

         (b)      Any service for ATM equipment or locations not specified in
                  Appendix C or not currently on maintenance with NCR.

         (c)      Services relating to installation, deinstallation, upgrades,
                  and movement of ATMs, communications line work external to an
                  ATM or electrical work external to an ATM.

         (d)      At NCR's discretion, services requested for equipment which
                  upon the second repeat arrival no fault is found and the
                  equipment is determined by NCR to be in Good Operating
                  Condition.

         (e)      Service resulting from the following causes: your or any third
                  party's negligence, misuse, or abuse, including the failure to
                  operate the ATM in accordance with NCR's power, environmental,
                  and other specifications; movement of the ATM by anyone other
                  than NCR; failure of equipment not maintained by NCR; improper
                  use of or failure to use supplies; use of supplies not meeting
                  the manufacturer's specifications; acts of third parties; fire
                  originating outside of NCR-furnished equipment; water; acts of
                  God; damage ordinarily covered by insurance.

         (f)      The second repeat Customer Preventable call to a site within
                  two days, such as, but not limited to, communications line
                  failures, electrical failures, failure of third parties.

         (g)      Emergency Cash Replenishment and Unscheduled Cash Services
                  Replenishment.

                                                                          Page 5

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4.5      In the event service is required on ATMs under circumstances which
         could jeopardize the safety of NCR employees (including any call to an
         ATM housed in a manner requiring work in the open), NCR reserves the
         right, but is not obligated to, reschedule service to other times,
         require a security escort at your expense, or refuse to perform the
         service. Security escorts will be subject to NCR's approval, will be
         bonded, and where feasible and lawful, will be armed. NCR may recommend
         changes you can make to the ATM site, such as additional lighting,
         designed to improve safety and enable NCR to service the ATM without
         limitation. NCR agrees to use its best efforts to immediately notify
         Cardtronics' Help Desk of its decision and will provide the Help Desk
         sufficient information so that Cardtronics may, if applicable, remedy
         the situation or provide the necessary escort.

5.0      SHORTAGES AND NOTICE THEREOF

5.1      You and NCR agree to assist and cooperate fully with each other
         relative to any claim, dispute or issue arising hereunder. You agree at
         all times to exercise due care in order to discover and investigate any
         losses of your property. Immediately upon discovering a loss, you agree
         to furnish to NCR reasonably satisfactory proof of such loss. The
         accepting of such information will not be an admission of liability on
         behalf of NCR. Upon NCR's request, you will make available during
         regular business hours your books, records, and accounts which relate
         to the alleged loss, and will cooperate with and assist in the
         investigation of such loss including sharing with NCR all information
         that any person may have concerning the loss and the circumstances
         surrounding the same.

         Supporting documentation is necessary for NCR to process and
         investigate loss claims. Reasonably satisfactory proof of a claim for
         loss is required, and includes but is not limited to:

         -        ATM settlement documentation and ATM settlement receipts
                  (network and ATM counters) for the time period the loss was
                  discovered and the settlement report(s) for the previous and
                  post settlement periods.

         -        Copies of your ATM Network reports indicating the ATM's
                  beginning, ending and dispensed totals for the time period the
                  loss was discovered.

         -        Copies of the ATM event history, indicating any ATM status
                  messages and suspect transactions.

         -        Copies of the ATM journal record.

         -        Detailed documentation to support your calculation of the
                  claimed loss.

5.2      Given the necessity for the prompt investigation of any claim relating
         to an alleged loss of Valuables, you agree that you must present any
         Loss claim to NCR in writing as soon as reasonably possible, and in no
         event later than 5 business days after receipt of documentation leading
         to the discovery of the Loss. Such claim (including copies) must be
         delivered by express mail, same-day or overnight courier, to the
         following addresses. Such notices will be deemed given on the day
         received, and must be addressed to:

         NCR Corporation
         Operations Support Center EMD-2

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         1529 Brown Street
         Dayton, OH  45479
         Attn: ATM Operations Support Center

         With copies to:

         NCR Corporation
         Attn: General Counsel/Notices WHQ-5
         1700 S. Patterson Blvd.
         Dayton, OH  45479
         Fax: (937) 445-7214
         Email: law.notices@daytonOH.ncr.com

6.0      YOUR RESPONSIBILITIES

6.1      You will not permit anyone other than NCR to perform Second Line
         Maintenance on any ATM covered by this Addendum.

6.2      You are responsible for initially determining that the ATM requires
         service and will follow the service request procedures provided by NCR.

6.3      You are responsible for preparing the ATM site prior to delivery, and
         maintaining it thereafter in accordance with the ATM manufacturer's
         specifications and NCR's site safety specifications (which will be
         provided upon request), and for providing safe and adequate working
         conditions for NCR's service personnel, including appropriate utility
         service and, if required, local telephone extensions. Subject only to
         reasonable and necessary security regulations, you agree to permit NCR
         access to all ATMs to be maintained by NCR.

6.4      You are responsible for:

         (a)      Installation, testing, and operation of all software Updates.

         (b)      Provide all necessary consumables for service of the ATM
                  (cash, paper, ribbons, etc.).

6.5      You represent that you have the owner's authority to permit NCR to
         service any ATM which you do not own.

6.6      You are responsible for all products and services provided by parties
         other than NCR, whether or not NCR recommended them or assisted in
         their evaluation, selection, or supervision. The failure of those
         products, services or suppliers to meet your requirements will not
         affect your obligations to NCR under this Addendum.

6.7      If equipment is removed from its location, or moved to another
         location, you are responsible to notify NCR, in writing, of the changes
         and for securing all Valuables prior to the move. If NCR has undertaken
         responsibility for Valuables under an Appendix to

                                                                          Page 7

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         this Addendum, NCR will not be liable for any loss if your actions
         prevent NCR from securing the Valuables prior to the move.

6.8      You will use all commercially reasonable efforts to recover Valuables,
         including correcting the transaction (debiting the account) of any
         customer, for an ATM Loss due to improperly dispensed Valuables as a
         result of misloaded denominations, misconfigured cassettes or misloaded
         cassettes.

7.0      RATES

7.1      The rates for First and Second Line Maintenance are based, in part, on
         the ATM's distance from the nearest NCR service location. The base
         rates cover service within 25 miles of the nearest NCR service location
         ("Zone 1"). Rates for ATMs outside of Zone 1 are calculated by
         increasing the Zone 1 rate by the percentage rate for the corresponding
         Service Zone as follows:

<TABLE>
<CAPTION>
            DISTANCE FROM
             NEAREST NCR
SERVICE        SERVICE          INCREASED % OF
 ZONE         LOCATION          THE BASE RATE
-------     -------------       --------------
<S>         <C>                 <C>
   1         0-25 miles                *
   2         26-50 miles               *
   3         51-75 miles               *
   4        76-100 miles               *
   5         101+ miles                *
</TABLE>

7.2      The rates specified in this Addendum are fixed for a one-year period
         following the Effective Date. Thereafter, NCR may increase the rates
         for any succeeding one-year period commencing on the anniversary of the
         Effective Date in an amount not to exceed the greater of 5%, or the
         increase in the Consumer Price Index (All Groups) for the corresponding
         period (the "Annual Limit"). In addition, if NCR is providing Cash
         Replenishment Services and incurs an increase of ten percent or more in
         the cost of its subcontracted Cash Replenishment Services, including
         but not limited to fuel cost increases, the parties will meet promptly
         to determine an equitable adjustment to the rates, and if they are not
         able to do so, either party may cancel Cash Replenishment Service to
         the affected ATM's without penalty upon 90 days written notice.

7.3      You acknowledge and agree that NCR's ATM service rates are based upon
         quantity of ATMs under service and the length of the term, and that a
         decrease in either will result in increased costs to NCR which are
         difficult to accurately ascertain. If, during the Initial Term of this
         Addendum, you terminate support with respect to this contract other
         than those reasons specified in 10.l or the removal of an ATM due to
         low transaction volume, you agree to pay to NCR an amount equal to 10%
         of the prorated service rates for that ATM from the effective date of
         termination through the last day of the Initial Term. You agree that
         this fee is a reasonable estimate of NCR's damages resulting from such
         early termination.

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

                                                                          Page 8

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 7.4     All Services which are not specifically priced in Appendix A or
         otherwise agreed in writing will be charged at NCR's then-current time
         and materials rate of $  *  for First Line Maintenance Services and
         $  *  for Second Line Maintenance Services, including a  *  for
         services performed outside of normal business hours (the "T&M Rate").

7.5      Rates do not include any Federal, state, county, or local sales, use,
         or other taxes however designated, whether levied on seller or buyer
         and whether based on price, charge, product, service, use, or this
         Addendum. Any such taxes and interest (if not due to NCR's delay)
         required to be paid by NCR will be added to the invoices. You will
         reimburse NCR for any taxes to be paid by you but in fact paid by NCR
         (whether that fact is discovered through audit or otherwise) upon
         receipt of NCR's invoice.

8.0      INVOICING AND PAYMENT

         You will pay NCR for First and Second Line Maintenance services
           *  beginning on the Effective Date of this Addendum, or for ATMs not
         installed on the Effective Date, on the date the ATM is installed and
         certified ready for use. NCR will invoice you for Per Call services as
         those services are rendered. Invoices for Per Call services are due and
         payable upon receipt. You will pay NCR for scheduled Cash Replenishment
         Services monthly in advance, and for unscheduled and emergency Cash
         Replenishment services monthly upon completion of the service. NCR will
         provide appropriate invoices 30 days prior to each payment due date.
         Your failure to pay any invoice when due will entitle NCR to late
         payment fees or interest, or both, and to applicable collection costs
         (if any).

9.0      WARRANTY AND LIMITATION OF LIABILITY

9.1      NCR warrants that it will perform its obligations under this Addendum,
         in a professional and workmanlike manner. NCR, at its expense, will
         promptly re-execute any Services that fail to conform to the
         requirements of this Addendum. If NCR is unable reasonably to do so,
         the fees you paid for that portion of the Service will be refunded.

9.2      In the event NCR is required to perform maintenance services on an ATM
         as a result of damage or inoperability caused by your negligence or
         that of a third party, failure to comply with the terms of this
         Addendum, or failure to comply with agreed operational procedures, NCR
         reserves the right to bill you for such services at its then-current
         time and materials rate.

9.3      In the event an employee or agent of NCR is determined, by criminal
         conviction or clear and convincing evidence, to have taken any
         Valuables, then NCR will be responsible for the amount of the Valuables
         proven to have been taken by such employee, not to exceed the ATM Loss
         Liability Limit per incident with respect to each ATM that is (a)
         involved in the incident and (b) covered by Appendix C, as such
         appendix is updated from time to time. Upon payment of any loss
         hereunder, NCR will be subrogated to all of your rights and remedies
         therefor.

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

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<PAGE>

9.4      NCR will not be liable for claims, actions, damages, liabilities,
         losses and expenses, including reasonable attorneys' fees, arising out
         of or in connection with any ATM Loss, to the extent such claim is the
         result of (a) Currency dispensed due to ATM malfunction; (b) Currency
         dispensed due to mistake or fraudulent instruction manually or
         electronically transmitted to the ATM; (c) ATM equipment hardware
         malfunction; (d) excess currency (commonly called "side cash") stored
         at the ATM location; (e) discrepancies between network reports and ATM
         bill counter totals; (f) your mistakes in verification; (g) access by
         third persons, whether authorized or unauthorized, unless such access
         was made possible by the act or omission of NCR; or (h) the use of
         magnetic debit and credit cards. OTHER THAN AS SPECIFIED IN SECTIONS
         9.3 AND 9.4. IN NO EVENT WILL NCR BE LIABLE FOR ANY LOSS OF VALUABLES
         FROM BURGLARY, ROBBERY, FIRE, FLOOD, OR OTHER EXTERNAL CAUSE.

9.5      THE PROVISIONS OF THIS SECTION 9 GOVERN NCR'S LIABILITY FOR ANY CLAIM
         OF LOST, MISSING, OR STOLEN VALUABLES AND, WITH RESPECT TO SUCH LOSSES,
         SUPERSEDE ANY INCONSISTENT PROVISION IN THE MASTER AGREEMENT.
         APPENDICES ATTACHED TO THIS ADDENDUM MAY CONTAIN DIFFERENT LIABILITY
         LIMITATIONS WHICH SUPERSEDE SECTIONS 9.3 AND 9.4 WITH RESPECT TO THE
         SERVICES OFFERED UNDER THOSE APPENDICES.

10.0     TERMINATION

10.1     This Addendum may be terminated as set forth below:

         (a)      By either party upon a material default by the other party in
                  the performance of any of its obligations under this Addendum
                  if it is not cured within 60 days after written notice by the
                  non-defaulting party.

         (b)      NCR may terminate in the event you fail to pay after 10 days
                  prior written notice by NCR of a payment being past due and if
                  in that notice NCR indicates that this Addendum is terminated
                  if not paid. This right to terminate is in addition to NCR's
                  rights under Section 8.0.

         (c)      At the option and upon at least ninety (90) days written
                  notice to NCR, Cardtronics may terminate this Addendum as to
                  that equipment that is affected or covered by any of the
                  following: (i) cancellation or termination, regardless of the
                  reason, of any of the ATM provider agreements between
                  Cardtronics and any third-party (an "ATM Program") wherein
                  Cardtronics either owns, operates or manages one or more ATMs
                  for the benefit of that third-party; (ii) the sale of all or
                  any ATM program (or any portion threreof) to any third party;
                  (iii) change in the ownership of Cardtronics; or (iv) the sale
                  of substantially all of the assets of Cardtronics to any third
                  party. Such termination will be without the payment of any
                  penalty or liquidated damages.

10.2     If NCR is not reasonably able to secure parts, documentation, training,
         or support necessary to fully perform its obligations under this
         Addendum for a particular class of

                                                                         Page 10

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         non-NCR ATM, NCR may cancel this Addendum for that non-NCR ATM on 90
         days written notice.

11.0     LIABILITY INSURANCE

         NCR will maintain at its expense such insurance as will fully protect
         it from any claims for damage for bodily injury, including death, or
         for property damage that may arise from operations under this Addendum,
         whether such operations are performed by NCR or by any subcontractors
         or anyone directly or indirectly employed by either of them. Upon
         request, NCR will provide certificates of insurance or self-insurance
         for your inspection.

12.0     APPENDICES

         Appendix A - Annual 1st and 2nd Line Maintenance Pricing
         Appendix B - First Line Maintenance Description
         Appendix C - ATM Site Locations
         Appendix D - Fixed Fee Pricing
         Appendix E - DES Key Document

                                                                         Page 11

<PAGE>

13.0     NOTIFICATION

         Any notice required by this Addendum or given in connection with it,
         shall be in writing and shall be given to the appropriate party by
         personal delivery or by certified mail, postage prepaid, or recognized
         overnight delivery services.

         If to NCR:

         NCR Corporation
         Operations Support Center EMD-2
         1529 Brown Street
         Dayton, OH  45479
         Attn: ATM Operations Support Center

         If to Cardtronics:

         Cardtronics, LP
         3000 Hayes, Suite 101
         Houston, TX  77082
         Attn: Michael H. Clinard, Chief Operating Officer

Agreed and Accepted

Cardtronics, LP                                    NCR Corporation

By: /s/ Ralph H. Clinard                           By: /s/ James R. Kent, Jr.
    -----------------------------                      ----------------------
    Ralph H. Clinard                                   James R. Kent, Jr.
    President & CEO                                    VP/Area General Mgr.

Date: 11/14/01                                     Date: 11/19/01

                                                                         Page 12

<PAGE>

                                                                      APPENDIX A

                              ATM SERVICES ADDENDUM
                           ANNUAL MAINTENANCE PRICING

<TABLE>
<CAPTION>
MODEL            1ST LINE         2ND LINE
<S>               <C>               <C>
5670              $  *              $  *
5870L L           $  *              $  *
5305/5303         $  *              $  *
</TABLE>

Service Level:

Monday Through Sunday: 8am to 8pm

Response Time:

1st Line 2 hour

2nd Line 4 hour

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

                                                                         Page 13

<PAGE>

                                                                      APPENDIX B

                              ATM SERVICES ADDENDUM
                             FIRST LINE MAINTENANCE

This Appendix describes the First Line Maintenance Services ("FLM") that NCR
will provide you. Where indicated by the context, the term "you" as used in this
Appendix includes both you and any third party providing other services for the
ATM on your behalf.

1.0      SCOPE OF SERVICES

         1.1      Clearing of receipt, journal, DPM and statement paper jams.

         1.2      Check media transports to determine if they are functioning
                  properly and clear them of any foreign objects.

         1.3      Check supply of receipt, journal and statement printers. Load
                  paper if necessary. Verify legibility of print. Replenish, but
                  not furnish all necessary media and supplies (paper, ribbons,
                  ink cartridges and printheads). In the event of electronic
                  journal full conditions, copy the journal to a floppy disk.

         1.4      Retrieval of jammed cards with placement of jammed cards into
                  card tray - if applicable.

         1.5      Clean ATM DIP, SWIPE, or motorized Card Readers (whichever
                  appropriate when a Card Reader malfunction is indicated on
                  terminal).

         1.6      Check placement of captured card tray and reposition if
                  necessary.

         1.7      Clearing of currency jams, whatever the reason.

         1.8      Check supply of envelopes in the envelope dispenser and
                  replenish as required.

         1.9      Clear jams in the Envelope Depository.

         1.10     Check depository for proper operation.

         1.11     Replace the Depository Print Head as needed.

         1.12     Visually check the ATM (as a part of a normal first line
                  maintenance call) to verify the following:

                  -    Existing lighting functioning properly.

                  -    Proper operation of the card access device.

                  -    Environment (air conditioning, heating, A/C,
                       Communications Connections)

                  -    General cleanliness of ATM and surrounding area.

                  -    Ensure customer notification of deposit pick-up is
                       posted, where applicable.

                  -    ATM screen is clean.

                                                                         Page 14

<PAGE>

         1.13     If observable within 2 minutes after service completion;
                  observe transaction on the ATM and verify that all aspects of
                  the ATM, including the display, keyboard, shutter door
                  operations and dispenser are operational. Verify that ATM
                  customer receipt prints proper date, time and ATM I.D. number.

         1.14     Provide operational reviews and notify FSP of any issues
                  including other vendor services.

         1.15       *

         HOWEVER, ANY REPEAT SERVICE CALL TO THE SAME SITE, FOR THE SAME
         PROBLEM, WITHIN A TWO DAYS PERIOD WILL BE CONSIDERED A CHARGEABLE CALL
         AND CARDTRONICS WILL BE INVOICED ACCORDINGLY.

1.2      First Line Maintenance Service rates do not include the cost of, and
you will furnish and distribute to the ATMs or your designated agent, all media
and supplies or, upon request (and with sufficient notice), NCR will furnish
media and supplies at NCR's then-current prices. You will ensure that
Administrative Maintenance is performed in conjunction with every cash
replenishment service. CIT primary Administrative Maintenance duties includes:

         (a)      retrieval of mutilated cash from the divert cassette;

         (b)      retrieval of all captured cards; removal & replacement of
                  Electronic Journal diskette (if applicable);

         (c)      replenishment of receipt tapes and ribbons;

         (d)      cleaning the ATM interior and exterior fascias, with the
                  exception of the annual NCR PM activity.

         (e)      replacing internal receipt paper or cards, and performing
                  other minor corrective actions.

1.6      ATMs serviced pursuant to this Appendix must be equipped with the
Mas-Hamilton CenCon 2000 or an equivalent lock system. You agree to cooperate
with NCR in the implementation and management of the Mas-Hamilton system.

1.7      The hours of coverage for Second Line Maintenance must at least equal
the coverage hours for First Line Maintenance.

2.0      RESPONSE TIME
NCR's target Response Time to your requests for First Line Maintenance during
the PPM, for ATMs within Zone 1, is  *  with one hour added for each zone
beyond Zone 1. NCR will respond to service requests OUTSIDE THE PPM on a
commercially reasonable "best efforts" basis at the T&M rate of $  *  for
First Line Services.

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

                                                                         Page 15

<PAGE>

3.0      ACCESS AND SECURITY

3.1      You wish NCR to perform service without one of your employees or agents
being present to provide security for such Valuables. NCR agrees to perform
service under such unaccompanied and unsecured conditions, but NCR IS NOT
PROVIDING A SECURITY SERVICE.

3.2      You have a duty to secure all Valuables that may be present in or about
the ATM being serviced by NCR. It is not NCR's duty to provide security for your
property, whether or not NCR has the keys, combinations or other means to access
the location. In the event that other persons you authorized are present at the
site of the ATM, they will at all times be deemed to have care, custody and
control of the ATM, its contents and the premises.

                                                                         Page 16

<PAGE>

                                                                      APPENDIX C

                                  SITE LISTING  *

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

                                                                         Page 17

<PAGE>

                                                                      APPENDIX D

                                   CARDTRONICS
                       INSTALLATION AND FIXED FEE PRICING

TYPE A RESELLER:                                                      $  *

Cardtronics pre-stages equipment and completes installation.

NCR performs Pre-warranty/maintenance certification. If installation does not
meet standards notice will be given to Cardtronics.

Steps:

-        Cardtronics submits Electronic Equipment certification to IC. This form
         will describe service level agreement needed.

-        IC schedules NCR Customer Engineer to certify ATM installation and
         sends appropriate documentation to CE.

-        Per the Electronic Certification, this unit will be placed on
         maintenance based on service level agreement.

TYPE B RESELLER: PERSONA LITE                                         $  *

NCR installs ATM on site. NCR loads software and certifies install. Customer
Engineer will train end user at time of install. Additional trips for training
will be billed at $  *  an hour with a 2-hour minimum.

Steps:

-        Cardtronics submits Electronic Equipment Certification to IC. This form
         will describe service level agreement needed and installation and or
         training requirements.

-        IC schedules NCR Customer Engineer to perform installation and sends
         appropriate documentation to CE describing installation requirements.
         Per the Electronic Certification, this unit will be placed on
         maintenance based on service level agreement.

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

                                                                         Page 18

<PAGE>

TYPE C RESELLER: MCD UNIT                                              $  *

Cardtronics sells to distributor or owner an NCR pre-staged ATM.

NCR installs and certifies ATM.

Customer Engineer trains end user on operation of ATM at the time of install.
Additional trips for training will be billed at $  *  an hour with a
2-hour minimum.

Steps:

-        Cardtronics submits Electronic Equipment Certification to IC. This form
         will describe service level agreement and installation and training
         requirements.

-        IC schedules NCR Customer Engineer to perform installation and training
         and sends appropriate documentation to CE describing installation
         requirements. Per the Electronic Certification, this unit will be
         placed on maintenance based on service level agreements.

TYPE D RESELLER: COMMUNITY BANK UNIT                                   $  *

Cardtronics sells ATM in the Community Bank environment.

NCR installs ATM on site. If needed NCR loads software and certifies install.
Customer Engineer trains end user at time of install. Additional trips for
training will be billed at $  *   an hour with a two-hour minimum.

Steps:

-        Cardtronics submits Electronic Equipment Certification to IC. This form
         will describe service level agreement needed and installation
         requirements.

-        IC schedules NCR Customer Engineer to perform installation and sends
         appropriate documentation to CE describing installation requirements.
         Per the Electronic Certification, this unit will be placed on
         maintenance based on the service level agreement.

TYPE E: STAGING UNITS IN DESIGNATED WAREHOUSE                        **$  *

Cardtronics requests NCR to prestage ATM's (regardless of model)

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

**Prestaging assumptions apply.

                                                                         Page 19

<PAGE>

TYPE A DIRECT:                                                        $  *

Cardtronics places ATM into a Cardtronics managed program. NCR installs unit on
site. If needed NCR loads software and certifies install.

Steps:

-        Cardtronics submits Electronic Equipment Certification to IC. IC
         schedules NCR Customer Engineer to perform installation and sends
         appropriate documentation to CE describing installation requirements.
         Per Electronic Certification, this unit will be placed on maintenance
         based on the service level agreement.

OPTIONAL FIXED PRICING SERVICES (DIRECT):

TRAVEL CHARGE                                                        $  *
MINIMUM SITE T&M CHARGE -         FIRST LINE                         $  *
                                  SECOND LINE                        $  *

2-hour minimum has been waived in lieu of $75.00 travel charge plus one hour on
site.

INSTALLATION - SITE NOT READY CHARGE                                 $  *

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

                                                                         Page 20

<PAGE>

                                                                      APPENDIX E

                                DES KEY APPROVAL

You have requested NCR to load your customer encryption keys (DES Keys) in your
NCR ATMs. The purpose of this communication is to define the required conditions
under which NCR will load DES Keys.

For situations where an NCR technician is on-site as part of an installation or
a repair, and is asked to load generic DES keys (0-9 A-F), NCR will load
CARDTRONICS's generic encryption keys at no additional charge. For service calls
placed solely for the loading of encryption keys or for those situations where
additional travel time is required or specialized handling/management of keys is
involved, NCR's standard maintenance time and materials hourly pricing will
apply. Specialized handling/management includes time spent developing schedules
for trips to ATMs, distribution of specialized keys to the field, and project
management/coordination of calls with either you or your designated agent in the
case of split DES keys.

If you implement Split DES, NCR will not carry more than one key. You or your
designated third party agent is responsible for entering the second key.

NCR shall treat all data supplied by you with the highest level of
confidentiality that is reasonable under the circumstances. However, NCR will
not be liable for claims, actions, damages, liabilities, losses and expenses,
including reasonable attorneys' fees, arising out of or in connection with any
claimed ATM loss due to lost, stolen or compromised encryption keys. You
acknowledge that the security of your ATM network is your responsibility, and
that you will change generic DES keys installed by NCR as soon as practicable.
In addition to the terms of this letter, NCR's performance of these DES key
services is subject to all terms and conditions of any Universal, Master, or
Maintenance agreement that may be in place between us.

By signing this agreement, you acknowledge your understanding of these
conditions and limitations on NCR's service for the loading of encryption keys.

                                                                         Page 21<PAGE>

                                                                    EXHIBIT 10.5

MAINTENANCE AGREEMENT QSF 9.43-4
SERVICE SALES PROCESS

                                  QUALITY CARE
                                   DIEBOLD(R)

Agreement No:

Commencement Date: October 1, 2002

Initial Term: Year(s) Two Years

                              MAINTENANCE AGREEMENT
                             818 Mulberry Road S.E.
                             Canton, Ohio 44707-3256

NAME OF SUBSCRIBER: CARDTRONICS LP

ADDRESS:            3110 Hayes Road, Suite 300

CITY: Houston     STATE: Texas   ZIP: 77082

This Agreement is made and entered effective as of the date shown above, by and
between Diebold, Incorporated of 818 Mulberry Road S.E., Canton Ohio 44707, an
Ohio corporation (hereinafter `Diebold") and the Subscriber, whose name and
address is set forth above.

         1.       Equipment Schedules

                  No maintenance or other services are ordered by execution of
                  this Agreement alone. For equipment to be covered hereby or
                  services ordered, an Equipment Schedule or similar document
                  shall be completed by Diebold and provided to subscriber. Such
                  Equipment Schedule shall further define the service plan or
                  services being provided. Each such Schedule is deemed a part
                  of this Agreement. In the event of conflict between an
                  Equipment Schedule and the provisions hereof, the provisions
                  of the Equipment Schedule shall control, except with respect
                  to paragraphs 6 and 7 hereof, which shall govern in the event
                  of any conflict with any other provision.

         2.       Service

                  For the fee set forth in a given Equipment Schedule, Diebold
                  will, by its authorized representatives, inspect and maintain
                  in operating condition, the equipment itemized on such
                  Equipment Schedule, or provide such other services as
                  described on the Equipment Schedule. If the service plan
                  described on an

<PAGE>

                  Equipment Schedule includes preventive maintenance, such
                  preventive maintenance which Diebold deems necessary will be
                  provided. Diebold may provide any preventive maintenance at
                  the same time as Diebold is providing other service on the
                  covered equipment. Subscriber shall request service by
                  contacting Diebold.

         3.       Fees

                  The fee for services to be performed hereunder shall be as set
                  forth on the Equipment Schedule, or, with respect to the price
                  for service performed on a "time and material" basis, at
                  Diebold's then current rates therefor.

         4.       Taxes

                  So long as the following described taxes are separately listed
                  on each Diebold invoice submitted hereunder, or the supporting
                  schedule attached thereto, Subscriber shall additionally pay
                  any and all sales, use, excise, gross receipts, value added or
                  other taxes imposed by any federal, state or local
                  governmental authority, associated with Diebold's performance,
                  excluding only taxes based on Diebold's net income or the
                  employment of Diebold's employees.

         5.       Terms of Payment

                  Unless an Equipment Schedule provides otherwise, Subscriber
                  will be invoiced quarterly in advance. All invoices for
                  periodic fees are due prior to the commencement date for the
                  applicable fee period. For Equipment Schedules added
                  subsequent to the date hereof. Diebold may prorate its invoice
                  to provide for a common invoice date for all equipment
                  covered. All invoices for work performed on a time and
                  material basis will be due on a `Net 30 days' basis. All
                  invoices not paid within thirty (30) days of the date due
                  shall bear interest at the rate of one and one-half percent
                  (1-1/2%) per month on the unpaid balance or the highest rate
                  permitted by law, whichever is less. In the event Subscriber
                  fails to pay any invoice when due and Diebold has provided
                  Subscriber three (3) days written notice of such failure,
                  Diebold may, in addition to any other rights and remedies
                  available to Diebold, suspend service under this Agreement and
                  any or all Equipment Schedules until Subscriber's account has
                  no amounts more than thirty (30) days past due.

         6.       Limited/Warranty

                  a.       With respect to services provided for the quarterly
                           fee, Diebold warrants that it will re-perform such
                           services during the hours of coverage set forth in
                           the Equipment Schedule, that prove defective during
                           the term hereof, provided Subscriber notifies Diebold
                           during the term in the same manner as Subscriber
                           otherwise notifies Diebold of the need for service on
                           the covered equipment.

                                        2

<PAGE>

                  b.       With respect to parts and services provided on a time
                           and material basis, Diebold warrants the same to be
                           free of defects in materials or workmanship for a
                           period of thirty (30) days from the date service was
                           performed or from installation in the case of parts.
                           Subscriber shall notify Diebold within such thirty
                           (30) day period of any claim pursuant hereto.

                  c.       In the event of a breach of the foregoing warranty,
                           the sole liability of Diebold and the sole remedy of
                           Subscriber shall be the repair or replacement of the
                           part, or re-performance of the service, which proved
                           to be defective.

                  d.       EXCEPT FOR THIRD PARTY INJURIES COVERED BY DIEBOLD'S
                           INDEMNITY OBLIGATION SET FORTH IN SECTION 14 BELOW,
                           THE FOREGOING WARRANTY CONSTITUTES THE SOLE LIABILITY
                           OF DIEBOLD AND THE SOLE REMEDY OF SUBSCRIBER FOR
                           DEFECTIVE MATERIALS OR WORKMANSHIP, WHETHER ARISING
                           UNDER CONTRACT, TORT, STRICT LIABILITY OR OTHER FORM
                           OF ACTION. ALL OTHER WARRANTIES, EXPRESS OR IMPLIED,
                           INCLUDING THE WARRANTIES OF MERCHANTABILITY AND
                           FITNESS FOR A PARTICULAR PURPOSE, ARE EXCLUDED
                           HEREFROM.

         7.       LIMITATION OF LIABILITY

                  a.       NOTWITHSTANDING ANY OTHER PROVISION OF THIS
                           AGREEMENT, THE PARTIES ACKNOWLEDGE AND AGREE:

                           i.       DIEBOLD IS NOT AN INSURER;

                           ii.      THE PAYMENTS PROVIDED FOR HEREIN ARE BASED
                                    SOLELY ON THE VALUE OF THE GOODS AND
                                    SERVICES PROVIDED AND ARE UNRELATED TO THE
                                    VALUE OF SUBSCRIBER'S PROPERTY OR THE
                                    PROPERTY OF OTHERS LOCATED ON SUBSCRIBERS
                                    PREMISES OR WITHIN THE EQUIPMENT;

                           iii.     THE PROVIDING OF SERVICE AND/OR PREVENTIVE
                                    MAINTENANCE DOES NOT GUARANTEE THE CONTINUED
                                    OR UNINTERRUPTED OPERATION OF THE EQUIPMENT;
                                    AND

                           iv.      IN NO EVENT SHALL DIEBOLD BE LIABLE FOR
                                    LOSS, DAMAGE, OR DESTRUCTION OF SUBSCRIBER'S
                                    PROPERTY CAUSED BY BURGLARY, ROBBERY, FIRE,
                                    FLOOD, (UNLESS SUCH BURGLARY OR ROBBERY WAS
                                    PERPETRATED BY A DIEBOLD EMPLOYEE WHILE
                                    PERFORMING SERVICES HEREUNDER OR THE FIRE

                                        3

<PAGE>

                                    WAS DIRECTLY CAUSED BY DIEBOLD'S ACTIONS AT
                                    THE ATM SITE WHILE PERFORMING SERVICES
                                    HEREUNDER), LOSS OF OR MISDISPENSING OF
                                    FUNDS OR OTHER DOCUMENTS OR ITEMS OF VALUE.
                                    NOR SHALL DIEBOLD BE LIABLE FOR SPECIAL,
                                    INCIDENTAL, INDIRECT OR CONSEQUENTIAL
                                    DAMAGES OF ANY KIND OR NATURE, WHETHER
                                    ARISING UNDER CONTRACT, TORT, STRICT
                                    LIABILITY, OR OTHER FORM OF ACTION, WHETHER
                                    OR NOT DIEBOLD HAS BEEN ADVISED OF THE
                                    POSSIBILITY THEREOF.

                  b.       AS A MATERIAL CONSIDERATION FOR DIEBOLD ENTERING INTO
                           THIS AGREEMENT THE PARTIES AGREE THAT IF,
                           NOTHWITHSTANDING THE FOREGOING LIMITATIONS DIEBOLD
                           HAS ANY LIABILITY TO SUBSCRIBER, SUCH LIABILITY SHALL
                           IN NO EVENT EXCEED THE QUARTERLY FEE SPECIFIED IN THE
                           EQUIPMENT SCHEDULE FOR THE EQUIPMENT OR SERVICE
                           RELATED TO THE EVENT OR FIFTEEN THOUSAND DOLLARS
                           ($15,000.00), WHICHEVER IS GREATER. SUBSCRIBER MAY
                           OBTAIN A GREATER LIMITATION OF LIABILITY, IF DESIRED,
                           BY THE PAYMENT OF AN INCREASED ANNUAL FEE, WHICH
                           SHALL BE NEGOTIATED BY THE PARTIES SUBSEQUENT TO
                           DIEBOLD'S RECEIPT OF SUBSCRIBER'S WRITTEN REQUEST
                           THEREFOR. THIS SUBSECTION (b) SHALL NOT APPLY TO
                           EVENTS COVERED BY SECTION 14.

                  c.       THE PROVISIONS OF THIS SECTION 7 CONSTITUTE AN
                           ALLOCATION OF RISK BETWEEN THE PARTIES AND THE PRICE
                           CHARGED SUBSCRIBER IS BASED ON SUCH ALLOCATION OF
                           RISK.

         8.       Term

                  The term of this Agreement shall be for the initial term set
                  forth above starting on the Commencement Date. This Agreement
                  shall automatically renew for additional terms of one (1) year
                  each unless either Subscriber or Diebold gives notice of
                  cancellation in writing to the other at least sixty (60) days
                  prior to the expiration of the then current term. In the event
                  of any such renewal period, the maintenance fees to be paid by
                  Subscriber during such period shall be as set forth in the
                  Equipment Schedule that is attached hereto and made a part
                  hereof. The provisions of paragraphs 6, 7, 13, and 18 shall
                  survive termination.

                                        4

<PAGE>

         9.       Exclusions

                  Except as otherwise set forth in the Equipment Schedule, the
                  services to be provided for a quarterly service fee do not
                  include:

                  a.       service required as a result of abuse, misuse,
                           electrical storms, power failures or fluctuations,
                           glass breakage or damage, failure to follow user
                           maintenance and operating instructions, or the
                           failure or results of failure of interconnected
                           equipment not specified on an Equipment Schedule,
                           including, but not limited to, wiring, conduit, or
                           voice or data transmission equipment or facilities;

                  b.       consumable items including, but not limited to, film,
                           audit tapes, ribbons, carrier bodies, light bulbs,
                           customer account cards, envelopes or video cassettes;

                  c.       lockouts or damages caused by war, terrorism, public
                           disorder, fire, water or other liquids, burglary,
                           blasting, mining, settling of foundations, expansion
                           of doors or walls, loss of combinations or by
                           imperfect changing of combinations or time locks;

                  d.       services required because of service, inspection, or
                           tampering with equipment by non-Diebold designated
                           personnel, relocation of equipment, changes to
                           configuration, installation of additional features,
                           options or functions; major overhauls, or
                           refurbishing the equipment;

                  e.       automatic teller machine cassettes or pneumatic tube
                           carriers, unless specified on an Equipment Schedule;

                  f.       the changing of any locks or combinations, or the
                           replacement of keys unless specified on an Equipment
                           Schedule;

                  g.       requested service outside the hours of coverage set
                           forth on the Equipment Schedule, or waiting time in
                           excess of fifteen (15) minutes. If no hours are set
                           forth, coverage shall be from 8:00 a.m. to 5:00 p.m.
                           prevailing local time at the site of the equipment,
                           exclusive of Saturdays, Sundays, or holidays
                           generally observed by state or local governments in
                           the area where the equipment is located; or

                  h.       malfunctions resulting from the use of media,
                           supplies, and/or consumables which are not furnished
                           by Diebold or which do not meet standards set by the
                           manufacturer.

                  If Diebold determines that the service requested by Subscriber
                  is excluded pursuant to the above, and Subscriber requests
                  Diebold to perform such service, the service will be provided
                  pursuant to Section 12 hereof.

                                        5

<PAGE>

         10.      Parts

                  Unless an Equipment Schedule indicates that parts are
                  included, Subscriber will pay Diebold's then current list
                  price for any replacement parts necessary for the performance
                  of service on equipment. The parts used by Diebold to perform
                  maintenance and repair service hereunder will either be new or
                  equivalent to new. Title to parts shall pass to Subscriber
                  when the same are installed by Diebold. Title to parts that
                  are removed and replaced by Diebold shall vest in Diebold at
                  the time of removal. No title to any computer programs
                  included in parts shall ever pass to Subscriber. With respect
                  to such parts that include computer programs, Diebold grants
                  to Subscriber a personal, nonexclusive right to use such
                  computer programs in conjunction with the equipment while
                  Subscriber is the rightful possessor of the equipment. Such
                  license extends only to the use of the computer programs in
                  conjunction with specific equipment on which the same are
                  installed. Such computer programs are protected by the
                  copyright laws of the United States. Subscriber agrees not to
                  copy, decompose, reverse assemble, reverse engineer, or
                  otherwise modify such computer programs. Computer programs for
                  which a separate charge is normally required by Diebold are
                  licensed only pursuant to a separate license agreement.

         11.      Duties of Subscriber

                  During the term of this Agreement, Subscriber shall at all
                  times provide a suitable operating environment as specified by
                  the manufacturer of the equipment and operate the equipment in
                  accordance with the manufacturer's recommendations. If any
                  equipment covered by an Equipment Schedule has been furnished
                  by other than Diebold or InterBold, Subscriber shall have the
                  ultimate responsibility for obtaining and providing to Diebold
                  any necessary schematic drawings, wiring diagrams, or
                  replacement parts that may be necessary. Subscriber shall
                  provide free, clear and safe access to the equipment.

         12.      Other Services

                  Subscriber may from time to time request that Diebold provide
                  other services not included in the service plan for equipment
                  described on a specific Equipment Schedule, or for which no
                  Equipment Schedule has been completed. Diebold will use
                  reasonable efforts to provide such service at 90% of its then
                  current and standard "time and material" rates or without
                  discount at such other specific time and material rates that
                  the parties may agree upon in writing for the type of service
                  to be performed by Diebold. Any such service shall be subject
                  to the provisions of this Agreement. Subscriber may request
                  service pursuant to this provision by contacting Diebold. In
                  addition, during the initial two year Term of this Agreement,
                  Diebold agrees that at Subscriber's request and for the Triple
                  DES Conversion Fee set forth on Equipment Schedule Number 1,
                  Diebold will make the ATMs covered hereby Triple DES
                  compliant, as the same is required by the Visa, MasterCard
                  and/or Plus Networks. After the expiration of the initial two
                  year Term hereof, the Triple DES Conversion Fee will be
                  subject to adjustment

                                        6

<PAGE>

                  by Diebold. The Conversion Fee shall only apply to the ATMs
                  listed on Equipment Schedule Number 1. However, the above
                  referenced agreement to make ATMs Triple DES compliant will
                  not apply to (i) any CSP 100 model ATM and/or (ii) any model
                  1063 ATMs that were not originally manufactured and equipped
                  to support Triple DES.

         13.      Termination

                  a.       This Agreement may be terminated by a party without
                           liability as follows:

                           i.       upon a material breach hereof by the other
                                    party if such other party has failed to
                                    correct, or commence to correct, such breach
                                    within ten (10) days after notice with
                                    respect to any breach caused by the
                                    non-payment of any invoice and within thirty
                                    (30) days after notice with respect to all
                                    other breaches to such breaching party; or

                           ii.      if the other party makes a general
                                    assignment for the benefit of creditors,
                                    commences voluntarily a petition under
                                    bankruptcy or similar laws or allows an
                                    involuntary petition to continue more than
                                    forty-five (45) days after filling.

                  b.       In addition to the provisions of (a) above and upon
                           at least thirty (30) days notice to Diebold,
                           Subscriber may without the payment of a cancellation
                           fee elect to remove up to but not more than 120 of
                           the ATMs identified on Equipment Schedule No. 1 as a
                           result of any of the following occurrences: (i)
                           cancellation or termination of any agreement between
                           Subscriber and a third party merchant permitting
                           Subscriber to own, operate or manage one or more ATMs
                           at a merchant location (a "Merchant Agreement"); (ii)
                           the assignment, sale or transfer of any Merchant
                           Agreement to any third party; or (iii) the sale of
                           substantially all of the assets of Subscriber to any
                           disinterested and unrelated third party. In all other
                           cases, Subscriber's removal of ATMs from the coverage
                           of this Agreement or the partial or total termination
                           thereof shall result in Subscriber's payment of a
                           cancellation fee equal to three percent (3%) of the
                           annual fee associated with the equipment being
                           removed therefrom for each month or part thereof from
                           the effective date of the removal of such equipment
                           or the cancellation thereof, to the expiration of the
                           then current term of the Agreement, but in no event
                           less than fifteen percent (15%) of such annual fee.
                           Additionally, Diebold may adjust the fee for any
                           equipment remaining based on Diebold's then current
                           standard volume price adjustments. Any special
                           provisions of any Equipment Schedule remaining shall
                           be equitably adjusted. Notwithstanding the above
                           however, Subscriber shall not be required to pay the
                           above referenced cancellation fee if Subscriber does
                           not remove an ATM hereunder solely for the purpose of
                           replacing Diebold as the party providing maintenance
                           services therefore, and provided that at all times
                           during the two year period following the commencement
                           of the term of this Agreement,

                                        7

<PAGE>

                           Subscriber shall keep not less than 90% of the ATMs
                           covered by this Agreement at the date of the
                           commencement thereof subject to the terms of this
                           Agreement.

         14.      Diebold's Responsibility

                  Diebold will indemnify and hold harmless the Subscriber from
                  any claims made by third parties based on bodily injury to
                  such third persons, or direct damage to their tangible
                  property to the extent caused by the wrongful or negligent
                  acts of Diebold, its officers, directors, agents or employees,
                  which acts occur while Diebold employees are performing
                  service hereunder at the site of the ATM being serviced
                  hereunder. Diebold will be responsible for the theft of
                  Subscriber's funds or property by Diebold employees while they
                  are performing service to a maximum of Seventy-Five Thousand
                  Dollars ($75,000.00); provided, however, as to those locations
                  that are identified at least 30 days prior to any event giving
                  rise to a claim by Subscriber as routinely having more than
                  $  *  of cash in the ATM, this limit will be increased
                  to $200,000.

         15.      Service by Others

                  With respect to any Equipment Schedule covering equipment that
                  is installed, deinstalled, relocated, altered, or serviced by
                  other than Diebold representatives, Diebold may require, as a
                  condition to accepting or continuing the equipment for service
                  coverage, that the Subscriber have Diebold inspect the
                  equipment (pursuant to Section 12) for damage and to assure
                  that all manufacturer-recommended changes have been made and
                  that the equipment is otherwise in good working order.
                  Subscriber shall have Diebold perform any required servicing
                  or repairs recommended by Diebold prior to the acceptance of
                  the equipment for service coverage. Diebold may also require
                  that service be performed pursuant to Section 12 for a
                  specified period of time to assure that the equipment is, in
                  fact, in good working order.

         16.      Delay in Performance

                  Diebold will not be liable for any delay in providing service
                  that is caused by fire or flood, strikes, labor disturbances,
                  riots, war, insurrection, acts of any governmental entity or
                  the public enemy, delays in nonDiebold transportation, delays
                  in procuring materials from third parties, unavailability of
                  fuel or other supplies, or any other cause beyond the
                  reasonable control of Diebold. In the event of such
                  occurrence, Diebold's time for performance shall be equitably
                  adjusted. Currently, the East Coast average cost for a gallon
                  of gasoline is $  *  as measured by the Energy Information
                  Agency at its web page:
                  "http://tonto.eia.doe.gove/oog/inof/gud/gasdiesel.asp".
                  Should the cost for a gallon of gasoline in the "East Coast"
                  category increase more than  *  percent from the price set
                  forth above, the service price shall be equitably increased;
                  provided, however, should at anytime following such an
                  adjustment the cost of fuel decrease to the current $  *
                  average price or lower and stays at such

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

                                        8

<PAGE>

                  level for more than 30 days, the service price will be
                  readjusted downward, but in no event to a rate that is less
                  than that originally set forth in this Agreement. Diebold
                  represents that the cost of diesel fuel is not applicable to
                  this Agreement.

         17.      Modification of Agreement

                  Except as provided herein, this Agreement may be modified only
                  by a writing executed by the parties. In the event of the
                  addition or deletion of Equipment from coverage under this
                  Agreement, or other modifications of Equipment Schedule(s)
                  contemplated by this Agreement, Diebold shall provide a new
                  Equipment Schedule or other appropriate notice to subscriber.
                  The provisions of such Equipment Schedule or notice shall be
                  deemed a part of this Agreement unless Subscriber objects to
                  Diebold in writing within thirty (30) days of the issuance of
                  the same.

         18.      General

                  a.       This Agreement and Equipment Schedule(s) constitute
                           the entire agreement between the parties concerning
                           any service provided by Diebold to Subscriber, and no
                           representation, inducement, promises or agreements
                           not embodied herein shall be of any force or effect.
                           Any purchase order or similar document issued by
                           Subscriber shall be deemed issued only for
                           Subscriber's internal administrative convenience and
                           shall not become a part of this Agreement. This
                           Agreement shall be binding in accordance with its
                           terms upon the parties hereto and their respective
                           transferees, assigns and successors in interest.
                           Diebold may NOT assign this Agreement to any third
                           party that is not affiliated with Diebold without
                           first obtaining the express written consent of
                           Subscriber, which consent may be withheld for any
                           reason. However, Diebold may assign this Agreement to
                           a wholly owned corporate subsidiary of Diebold
                           without obtaining Subscriber's prior written consent
                           thereto. Further, Diebold may utilize subcontractors
                           to perform services under the terms of this
                           Agreement, provided Diebold follows its standard
                           subcontractor qualification and evaluation policies
                           and requirements. Diebold shall advise Subscriber of
                           any subcontractors to be used by Diebold in
                           connection with services to be performed hereunder
                           and at Subscriber's reasonable request shall not use
                           any subcontractor that Subscriber has good reason to
                           object to. Subscriber further agrees that it will not
                           assign its rights under this Agreement to any
                           unaffiliated third party without first obtaining
                           Diebold's prior written consent thereto. However,
                           Subscriber may assign this Agreement to a wholly
                           owned corporate subsidiary of Subscriber without
                           obtaining Diebold's prior written consent thereto.
                           This Agreement shall be binding upon Subscriber when
                           accepted by an authorized representative of
                           Subscriber, or Subscriber requests service or pays
                           the invoice for such service. Subscriber represents
                           that the person executing this Agreement on behalf of
                           Subscriber has all requisite authority to do so.

                                        9

<PAGE>

                  b.       No waiver of any right of any party shall be or
                           constitute a waiver of any other right of such party,
                           nor a waiver of any future breach by the other party.

                  c.       Notices to be provided from one party to another
                           shall be deemed sufficient if given in writing and
                           sent by certified mail, postage prepaid, with return
                           receipt requested to the address of such party as
                           reflected herein, or such other address as a party
                           may identify by formal notice to the other party. Any
                           notice so given shall be deemed effective five (5)
                           days after mailing as specified herein.

                  d.       This Agreement shall be governed by and interpreted
                           in accordance with the laws of the State of Ohio,
                           applicable to contract to be performed wholly within
                           such state by residents thereof. Any action arising
                           or resulting, directly or indirectly, from the
                           performance or nonperformance of Diebold shall be
                           brought within four (4) years after the cause of
                           action occurs or be forever barred.

                  e.       If for any reason any provision of this Agreement
                           shall be deemed unenforceable or invalid by a court
                           of competent jurisdiction, such provision shall be
                           deemed modified so as to most closely effectuate the
                           intent thereof in a valid and enforceable manner. The
                           headings and titles contained in this Agreement are
                           included solely for the convenience of the parties
                           and shall not be used in construing the intent of the
                           text hereof.

                  f.       The parties hereto acknowledge that each party has
                           had the opportunity to have this Agreement reviewed
                           by legal counsel and that no presumption shall be
                           applied in favor of or against any party hereto by
                           virtue of the fact that this Agreement may have
                           initially been prepared one of the parties hereto.

SUBSCRIBER ACKNOWLEDGES HAVING READ AND UNDERSTOOD ALL PAGES OF THIS AGREEMENT.

                                 DIEBOLD, INCORPORATED
         (SUBSCRIBER)

By: /s/ Ralph H. Clinard                    By: /s/ Gregory T. Geswein
   -------------------------------------       ---------------------------
         (AUTHORIZED SIGNATURE)                   (AUTHORIZED SIGNATURE)
Printed Name: Ralph H. Clinard              Printed Name: Greg T. Geswein
Title: President/Chief Executive Officer    Title: Senior Vice President and CFO
Date: October 8, 2002                       Date: September 27, 2002

                                       10

<PAGE>

                  MAINTENANCE AGREEMENT - EQUIPMENT SCHEDULE 1  *

* Denotes Confidential Portion Omitted and Filed Separately with the Commission.

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