Document:

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                                                                   EXHIBIT 10.31

                          MEMORANDUM OF UNDERSTANDING
                                    BETWEEN
                          BARTON S. FOSTER ("FOSTER")
                                      AND
                  CROSSWORLDS SOFTWARE, INC. ("CROSSWORLDS")
                                  May 4, 2000

This memorandum of understanding ("MOU") summarizes the understanding between
terms of the proposed agreements between Foster and CrossWorlds.  This MOU is
subject to the parties' good faith negotiation and mutual execution of a
definitive agreement or agreements which embody the below terms.

     1.  Foster and CrossWorlds acknowledge that from and after May 1, 2000,
         Foster has resigned as an officer of CrossWorlds.
     2.  Commencing May 2, 2000 and continuing until November 2, 2000, Foster
         will provide consulting services to CrossWorlds. These services shall
         consist of providing advice to CrossWorlds on business development and
         marketing matters, and working with CrossWorlds employees to implement
         business development and marketing matters, upon request by
         CrossWorlds.
     3.  Commencing May 2, 2000, Foster shall make at least 20 hours per week of
         his consulting services available to CrossWorlds. At such time as
         Foster commences full time employment or consulting for a third party
         (the "Reduced Services Point"), Foster shall make at least 10 hours per
         week of his consulting services available to CrossWorlds.
     4.  From May 2, 2000 until August 2, 2000, CrossWorlds shall pay Foster on
         a bimonthly basis, consulting fees at the rate of $21,875 per month.
         From August 3, 2000 until November 2, 2000, CrossWorlds shall pay
         Foster on a bimonthly basis, consulting fees at the rate of $10,938 per
         month.
     5.  Commencing May 2, 2000 and continuing until August 2, 2000, Foster
         shall continue to vest in his existing option grants under the 1997
         Stock Plan and 1999 Executive Stock Plan in accordance with the terms
         of his option agreements for such grants.
     6.  Commencing November 2, 2000, Foster will have a 30- or 90-day period,
         as applicable to each grant, in which to exercise his vested options
         under the 1997 Stock Plan and 1999 Executive Stock Plans.
     7.  With reference to the $150,000 loan made to Foster by CrossWorlds as
         reflected in the Secured Loan Agreement made as of November 15, 1999
         (the "Loan"), as amended by the parties, the principal amount of the
         Loan is $125,000 as of the date of this MOU. Commencing May 2, 2000 and
         continuing until November 2, 2000, CrossWorlds will continue the
         forgiveness of the Loan at the rate of 1/24 of the principal (in other
         words $6250) and accrued interest on the first day of each calendar
         month.
     8.  CrossWorlds will delay demand of repayment of the Loan until December
         31, 2000, such that the principal and accrued interest of the Loan, as
         forgiven under number 5 above, shall be due and payable by Foster on
         December 31, 2000.
<PAGE>

     9.  If Foster elects and is eligible for COBRA coverage, commencing May 2,
         2000 and continuing until the earlier of November 2, 2000 or the
         Reduced Services Point, CrossWorlds will pay for Foster's premiums
         under federal COBRA law for medical, dental and vision insurance for
         Foster (and, to the extent Foster covered his spouse or any dependents
         under CrossWorlds' medical, dental and/or vision plans as of May 1,
         2000, his spouse and/or such dependents).
     10. Each of Foster and CrossWorlds will not disparage the other in any
         manner likely to be harmful to the other, the business reputation of
         CrossWorlds' employees or to CrossWorlds' business or reputation,
         provided that Foster and CrossWorlds will respond accurately and fully
         to any question, inquiry or request for information when required by
         legal process. Further, Foster and CrossWorlds will refrain from
         tortiously interfering in the contracts and relationships of the other
         party, such as customer and partner relationships. Foster will confirm
         his existing obligations under the Employment, Confidential Information
         and Inventions Assignment Agreement. For a period of twelve (12) months
         after May 1, 2000, Foster will not solicit the employment of any person
         who shall then be employed by CrossWorlds (as an employee or
         consultant) or who shall have been employed by CrossWorlds (as an
         employee or consultant) within the prior twelve (12) month period, on
         behalf of himself or any other person, firm, corporation, association
         or other entity, directly or indirectly.
     11. If prior to November 2, 2000, Foster becomes employed by or a
         consultant of (whether on a full- or part-time basis) any direct
         competitor of CrossWorlds, all of the benefits provided to him by
         CrossWorlds as described in this MOU shall immediately be void and of
         no force or effect, except with respect to amounts previously paid to
         Foster under number 4 above.
     12. As a condition of this arrangement, Foster will release and acquit
         CrossWorlds and its subsidiaries, employees, directors, shareholders,
         agents, representatives, successors and assigns from any and all
         claims, liabilities, demands, causes of action, costs, expenses,
         attorneys' fees, damages, indemnities and obligations of every kind and
         nature, in law, equity or otherwise, known and unknown, suspected and
         unsuspected, disclosed and undisclosed, arising out of or in any way
         related to agreements, events, acts or conduct at any time prior to and
         including November 2, 2000.

  /s/ Barton S. Foster          /s/ Mark Kent for Fred Amoroso
  ------------------------     -------------------------------------
  Barton S. Foster             Alfred J. Amoroso, for CrossWorlds Software, Inc.
                               By Mark Kent, C.F.O. & S.V.P.

  /s/ Katherine A. Foster
  -------------------------
  Katherine A. FosterExhibit 4.9

                          UNIVERSAL MONEY CENTERS, INC.
                               RIGHTS CERTIFICATE

                                             Rights Certificate No. _________
Rights: ______________________        Shares Held on Record Date: ___________

     VOID AFTER 5:00 P.M. KANSAS CITY TIME ON JULY __, 2000,  UNLESS EXTENDED BY
THE  COMPANY  (THE   "EXPIRATION   DATE").   THIS  RIGHTS   CERTIFICATE  IS  NOT
TRANSFERABLE.

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

                               -----------------
                               -----------------
                               -----------------

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

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

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

                                   UNIVERSAL MONEY CENTERS, INC.

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

<PAGE>

FORM 1 - TO SUBSCRIBE FOR SHARES*

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

(a)  BASIC SUBSCRIPTION:

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

_________________________        X     [$________]    =     $__________

(b)  OVERSUBSCRIPTION:

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

_________________________        X     [$________]    =     $__________

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

    Total Payable to ____________
    Universal Money Centers, Inc. enclosed . . . . . . . . . $______________

(d)  SIGNATURE OF RIGHTS CERTIFICATE OWNERS:

-------------------------------         ---------------------------------------
Signature                               Signature

-------------------------------         ---------------------------------------
Print Name                              Print Name

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

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

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

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

                                      -2-
<PAGE>

                               SUBSTITUTE FORM W-9

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

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

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

Name(s):
          ---------------------------------------------------------------------
Address:
          ---------------------------------------------------------------------
          ---------------------------------------------------------------------
City, State and Zip Code:  ----------------------------------------------------
  SUBSTITUTE        Part 1 - PLEASE PROVIDE YOUR
   FORM W-9         TAXPAYER ID NUMBER IN THE     ----------------------------
                    SPACE AT RIGHT AND CERTIFY    Social Security Number OR
                    BY SIGNING AND DATING BELOW   Employer Identification Number
                    ------------------------------------------------------------

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

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

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

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

                                       -3-

<PAGE>

             GUIDELINES FOR CERTIFICATION OF TAXPAYER IDENTIFICATION

                          NUMBER ON SUBSTITUTE FORM W-9

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

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

 1.  An Individual's account          The individual

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

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

 4.  a.  The usual revocable trust
         account

         (grantor is also trustee)    The grantor-trustee1

     b.  So-called trust account
         that is not a legal or
         valid trust under state
         law                          The actual owner1

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

 5.  Sole proprietorship account      The owner3

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

 7.  Corporate account                The corporation

 8.  Partnership account              The partnership

 9.  A broker or registered nominee   The broker or nominee

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

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

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

                                      -4-

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