Document:

<PAGE>
                                                                    EXHIBIT 10.1

                                LICENSE AGREEMENT

This LICENSE AGREEMENT ("Agreement") is entered into as of the ~ day of
November, 2000 (the "Effective Date") by and between H&R Block Tax Services,
Inc., a Missouri corporation, with a principal place of business at 4400 Main
Street, Kansas City, Missouri 64111 ("Block") and ACE Cash Express, Inc., a
Texas corporation, with a principal place of business at 1231 Greenway Drive,
Suite 800, Irving, Texas 75038 ("ACE"). Block and ACE are collectively referred
to in this Agreement as the "Parties".

                                    RECITALS

WHEREAS, the Parties desire a relationship that allows ACE to use during the Tax
Season (that period from the first Monday after January 1 through May 31 of each
year during this Agreement) the premises of certain of Block's business
locations for the installation and operation of ACE's Self-Service Machines
(hereinafter "SSMs"), such machines designed to facilitate automated check
cashing transactions;

NOW, THEREFORE, for and in consideration of the mutual promises and covenants
contained herein, the receipt and sufficiency of which are hereby acknowledged,
the Parties agree as follows:

1.       GRANT OF LICENSE

         Block grants to ACE a license to use, during the term of and on the
         conditions set forth in this Agreement, the area of space needed to
         install and operate during the Tax Season an SSM in and on the premises
         of no fewer than fifty (50) of Block's locations; such locations are
         identified in Exhibit A hereto ("Exhibit A"). Such license is limited
         to the use of SSMs by Block's customers. ACE shall not advertise in a
         manner that would attract SSM users who are not customers of Block. The
         Parties recognize that they may, from time to time, desire to add more
         locations. If Block and ACE mutually agree to add more locations, then
         Exhibit A will be amended accordingly.

2.       EXCLUSIVITY

         Block covenants that during the term of this Agreement and within the
         United States of America it shall not operate SSMs on its premises on
         its own or through others; provided, however, if Block notifies ACE of
         a proposed arrangement with any other check casher, automated business
         or self-service operator to operate SSMs on Block's premises, Block may
         proceed with such arrangement unless ACE enters into a substantially
         similar arrangement with Block within sixty (60) days of such notice.

3.       TRADE NAMES AND TRADEMARKS

         A Party may use the name or logo of the other Party and the trademarks
         associated with that name as necessary or reasonably appropriate in
         conjunction with the operation and advertisement of SSM's in Block's
         locations; provided, however, that any such use is subject to the prior
         written approval of such other Party. The Parties acknowledge that

                                       1
<PAGE>

         their right to use such names and Marks is derived solely from this
         Agreement and shall cease upon termination of this Agreement.

4.       INDEMNIFICATION

         A.       ACE shall bear the risk of loss in the event any SSM is
                  damaged or pilfered for any reason. During and after the term
                  of this Agreement, ACE shall protect, indemnify, and keep
                  Block harmless from and against any expense (including
                  reasonable attorney's fees) and damage to persons or property
                  caused or alleged to have been caused by its agents,
                  employees, guests, customers or any other persons in
                  connection with the installation, operation and removal of the
                  SSM in use on the licensed premises and any theft or attempted
                  theft relating to such SSMs; provided, however, that ACE shall
                  not be responsible for any revenues lost by Block as the
                  result of such events.

         B.       During and after the term of this Agreement, Block shall
                  protect, indemnify, and keep ACE harmless from and against any
                  expense (including reasonable attorney's fees) and damage to
                  persons or property caused or alleged to have been caused by
                  its agents, employees, guests, customers or any other persons
                  in connection with the use of Block's sales and services
                  (other than the SSM) in, on or from the premises; provided,
                  however, that Block shall not be responsible for any revenues
                  lost by ACE as the result of such events.

5.       TERM

         Unless earlier terminated as provided in Section 6 hereof, this
         Agreement shall be for a term beginning on the date hereof and ending
         July 1, 2003, and shall then automatically renew from year to year
         thereafter for renewal periods of one (1) year each provided that
         either Party may terminate this Agreement at the end of the initial or
         any renewal term by giving at least sixty (60) days' notice prior to
         the commencement of any renewal term.

6.       TERMINATION

         A Party may terminate this Agreement upon giving to the other Party
         thirty (30) days' notice and opportunity to cure in the event of a
         breach of this Agreement by such other Party. A Party may immediately
         terminate this Agreement upon notice of one of the following causes:

                  (i)      the other Party makes a general assignment of all or
                           substantially all of its assets for the benefit of
                           creditors; or

                  (ii)     the other party applies for, consents to or
                           acquiesces in the appointment of a receiver, trustee,
                           custodian or liquidator for its business or all or
                           substantially all of its assets including a
                           receivership or custody relationship imposed by a
                           governmental or quasi-governmental regulatory
                           authority; or

                                       2
<PAGE>

                  (iii)    the other Party files a voluntary petition for relief
                           under the United States Bankruptcy Code or other
                           bankruptcy or insolvency laws; or

                  (iv)     an involuntary bankruptcy or insolvency petition
                           filed against the other Party is not dismissed within
                           ninety (90) days.

7.       FEES

         For each person who cashes a check at an SSM in use on Block's
         premises, ACE shall charge a fee of * of the face value of such check.
         In no event will the fee ACE charges per check exceed *. Block shall
         receive within thirty (30) days after the end of each month of the Tax
         Season *. At the conclusion of each Tax Season, ACE shall provide, to
         Block, a final statement reporting the number of checks transacted and
         the total fees received therefrom. Block may, at its expense, audit the
         books and records of ACE to verify such fees. If such audit reveals a
         variance of more than five percent (5%) in favor of ACE, ACE shall pay
         the reasonable cost of such audit.

8.       OBLIGATIONS

         A.       ACE at its sole expense:

                  (i)      will be responsible for the delivery and installation
                           of the SSM at the premises and any licenses or
                           certificates that may be required in connection with
                           such installation.

                  (ii)     will be responsible for maintaining and servicing the
                           SSM.

                  (iii)    will be responsible for providing the cash inventory.

                  (iv)     will be responsible for providing the armored
                           vehicles required for delivery and removal of cash
                           from the SSM.

                  (v)      will be responsible for installing and maintaining
                           the necessary electrical and communication lines to
                           operate the SSM.

                  (vi)     at the conclusion of each Tax Season, will be
                           responsible for the removal of the SSM and
                           restoration of any damage or alteration of the
                           premises caused by such removal.

                  (vii)    will comply with all federal and state laws
                           applicable to the business of operating SSMs,
                           including, but not limited to, laws regulating the
                           privacy of consumer information.

         B.       Licensor:

--------
* Confidential treatment has been requested for certain portions of this
document pursuant to an application for confidential treatment sent to the
Securities and Exchange Commission. Such portions are omitted from this filing
and filed separately with the Securities and Exchange Commission.

                                       3
<PAGE>

                  (i)      will provide access to the SSM during its normal
                           business hours during the Tax Season.

                  (ii)     will provide ACE with a list of certain store
                           locations at least ninety (90) days prior to the
                           commencement date of each tax season, and will
                           include with such list each store's total number of
                           checks and dollar volume of checks issued for the
                           prior year. Exhibit "A" Locations will be created
                           from the data on that list.

         C.       Parties:

                  (i)      Information Systems personnel of both Block and ACE
                           shall work to facilitate the validation of certain
                           check information in order to reduce risk on the
                           transaction. ACE shall use check information solely
                           in connection with the cashing of checks for Block's
                           customers and not for any other purpose.

                  (ii)     Both Block and ACE shall examine the data contained
                           in the list described in Section 8B(ii) herein, and
                           work together to select mutually beneficial locations
                           for placement of the SSMs.

9.       NO WAIVER

         No failure or delay by either Party in exercising any term or provision
         of this Agreement shall be deemed waived and no breach excused, unless
         such waiver or consent shall be in writing and signed by the Party
         claimed to have waived or consented. Any consent by any Party to, or
         waiver of, a breach by the other shall not constitute a consent to,
         waiver of, or excuse of any other or subsequent breach.

10.      FORCE MAJEURE

         Neither Party shall be liable for delays in the performance of any of
         its obligations hereunder due to causes beyond reasonable control,
         which shall include, but not be limited to, acts of God, strikes and
         inability to obtain labor, services or materials on time, or energy or
         fuel crises.

11.      ASSIGNMENT

         This Agreement and the license granted herein are not assignable by
         either Party without the prior written consent of the other Party. This
         Agreement shall be binding upon the Parties' respective successors and
         assigns.

12.      NO STRICT CONSTRUCTION

         The language contained herein shall be deemed to be that approved by
         all Parties hereto and no rule of strict construction shall be applied
         against any Party hereto.

                                       4
<PAGE>

13.      FURTHER ASSURANCES

         Each Party hereto agrees to do all acts and things and to make, execute
         and deliver such written documents as shall from time to time be
         reasonably required to carry out the terms and provisions of this
         Agreement.

IN WITNESS WHEREOF, the Parties hereto have executed this Agreement as of the
date and year first above written.

<Table>
<S>                                                  <C>
H&R BLOCK TAX SERVICES, INC.                         ACE CASH EXPRESS, INC.
A Missouri corporation                               A Texas corporation

By:  /s/ Patrick D. Petrie                           By:  /s/ Brent Turner
     -------------------------------                      ---------------------------------------

Name:  Patrick D. Petrie                             Brent Turner
     -------------------------------                 Assistant Vice President
                                                     Self Service Business
Title:  Vice President--Retail Operations
</Table>

                                       5

<PAGE>

                              ADDENDUM NO. 1 TO THE

                    LICENSE AGREEMENT DATED NOVEMBER 22, 2000

This Addendum No. 1 ("Addendum") is made and entered into as of May 31, 2001, by
and among ACE Cash Express, Inc., a Texas corporation ("ACE") and H&R Block Tax
Services, Inc., a Missouri corporation ("Block") individually referred to as
"Party" and collectively referred to as "Parties."

                                    RECITALS

WHEREAS, the Parties entered into that certain License Agreement dated the 22nd
day of November 2000, for the placement of ACE's Self-Service Machines ("SSMs")
in no fewer than fifty (50) of Block's business location premises ("locations"),
during that period of time from the first Monday after January 1 through May 31
of each year ("Tax Season") for the purpose of facilitating automated check
cashing transactions (the "Agreement"):

WHEREAS, the Parties desire to amend that Agreement as follows:

NOW THEREFORE, in consideration of the foregoing recitals and the mutual
covenants herein set forth, and the acknowledgment of good and valuable
consideration the receipt and sufficiency is hereby acknowledged, and intending
to be legally bound, the Parties hereto agree as follows:

The following Provision 1. Grant of License to the Agreement is replaced as of
the date of this addendum with the following:

         "Block grants to ACE a license to use, during the term of and on the
         conditions set forth in this Agreement, the area of space needed to
         install and operate during the Tax Season an SSM in and on the premises
         of Block's locations as mutually agreed to according to the following
         schedule:

         o        No less than * locations in Tax Season 2002

         o        No less than * locations in Tax Season 2003

         o        No less than * locations in Tax Season *

         Such locations are identified in Amended Exhibit A No. 1 hereto
         ("Amended Exhibit A No.1"). Such license is limited to the use of SSMs
         by Block's customers. ACE shall not advertise in a manner that would
         attract SSM users who are not customers of Block. The parties recognize
         that they may, from time to time, desire to add more locations. If
         Block and ACE mutually agree to add more locations, then Amended
         Exhibit A No.1 will be amended accordingly.

         Should ACE not be able to meet the schedule of minimum machine
         installations each year as indicated in this provision, Block shall
         have the right to engage other

--------
* Confidential treatment has been requested for certain portions of this
document pursuant to an application for confidential treatment sent to the
Securities and Exchange Commission. Such portions are omitted from this filing
and filed separately with the Securities and Exchange Commission.

<PAGE>

         service providers to provide a similar service in locations in which
         ACE has not installed an SSM, *.

         Should Block not be able to meet the schedule of minimum machine
         installations each year as indicated in this provision, ACE shall have
         the right to enter into similar agreements with other either tax
         preparation or electronic filing service providers to provide a similar
         service.

         In the event that either party cannot meet the schedule of minimum
         machine installations each year, the event will not be construed as a
         breach of this agreement."

The following Provision 2. Exclusivity to the Agreement is replaced as of the
date of the addendum with the following:

         *

         ACE agrees that during the term of this Agreement and within the United
         States of America that it shall not operate SSMs, including SSMs
         designed for a "checkless" product, in the retail locations of any
         other provider of either tax preparation or electronic filing
         services."

The following is hereby added as of the date of the addendum as subsection C to
Provision 4. Indemnification:

                  "Each Party hereby releases and waives all claims, rights of
recovery and causes of action against the other party, its officers, directors,
employees, agents or invitees in connection with any loss, including, but not
limited to, any injuries, death and property damage to the extent any such
losses may be covered by the proceeds of insurance. Moreover, Block and ACE
shall be relieved of their respective obligations of indemnity to the extent of
the amount actually recovered by Block or ACE from one or more of the insurance
carriers of Block or ACE. The indemnities and releases set forth in this
Agreement shall survive the expiration of the term of this Agreement."

The following Provision 5. Term to the Agreement is replaced as of the date of
the addendum with the following:

         "Unless earlier terminated as provided in Section 6 hereof, this
         Agreement shall be for a term beginning on the date hereof and ending
         *, and shall then automatically renew from year to year thereafter for
         renewal periods of one (1) year each provided that either Party may
         terminate this Agreement at the end of the initial or any renewal term
         by giving at least sixty (60) days' notice prior to the commencement of
         any renewal term."

----------
* Confidential treatment has been requested for certain portions of this
document pursuant to an application for confidential treatment sent to the
Securities and Exchange Commission. Such portions are omitted from this filing
and filed separately with the Securities and Exchange Commission.

                                      -2-
<PAGE>

The following Provision 7. Fees to the Agreement is replaced as of the date of
this addendum with the following:

         "For each person who cashes a check at an SSM in use on Block's
         premises, ACE shall charge a fee (the "Fee") not to exceed * of the
         face value of such check. In no event will the Fee exceed *. Any
         rounding of the Fee shall be adjusted in favor of the customer. * ACE
         will use its best efforts in order to achieve competitive price
         leadership in each of the markets where the SSM locations are placed in
         the markets of Block's competitors, but in no circumstance will ACE be
         required to charge * of the face value of the check. Block shall
         receive within thirty (30) days after the end of the Tax Season, *.
         Within such thirty day period, Ace will provide to Block, a reporting
         to date of the number of checks transacted, volume cashed, bad debt and
         the total fees received. Block may, at its expense, audit the books and
         records of ACE to verify such fees. If such audit reveals a variance of
         more than five percent (5%) in favor of ACE, ACE shall pay the
         reasonable cost of such audit."

The following is hereby added to the Agreement, Provision 8. subsection C
Parties effective as of the date of this addendum:

         "(iii) ACE and Block will share * losses incurred arising out of
         stolen, lost or forged checks cashed at any SSM, provided the following
         control procedures are implemented.

         a) Block shall use reasonable efforts to ask all clients in offices
         containing an SSM or in offices referring clients to an office with an
         SSM the primary taxpayers * (or similar question), and submit this data
         to ACE in the same manner in which data is transmitted to ACE under the
         section 8. Obligations, C. Parties -subsection (i).

         b) Block shall use reasonable efforts to implement and document dual
         control (pertaining to the process where whomever dispenses a check to
         a customer, must write their initials on the check as well as having
         another Block employee, authorized to dispense checks, write their
         initials on the check) over the issuance of checks in offices
         containing an SSM or in offices referring clients to an office with an
         SSM.

         c) Block and ACE jointly implement an authorization code system for SSM
         activation by clients.

         Either party reserves the right to temporarily turn-off any machine in
         the event that losses are deemed to be occurring. Both parties agree to
         use reasonable efforts in resolving the reason for such losses which
         would allow for the machine to be turned back on."

----------

* Confidential treatment has been requested for certain portions of this
document pursuant to an application for confidential treatment sent to the
Securities and Exchange Commission. Such portions are omitted from this filing
and filed separately with the Securities and Exchange Commission.

                                      -3-
<PAGE>

         The following replaces subsection B of Provision 8. entitled
         Obligations: Licensor, effective as of the date of this addendum:

         "(i) will provide access to the SSM during normal business hours during
         the Tax Season. Additionally, Block will use reasonable efforts to make
         the location of the SSM, within the Block office, highly visible to the
         consumer in the lobby area."

         "(ii) will work with ACE to agree upon a list of locations no later
         than each May 31st for installations related to the following Tax
         Season, excluding May 31, 2001."

         "(iii) will provide access to each location beginning the first
         business day of August for installations to be completed for the coming
         tax season"

         "(iv) will allow ACE to leave the SSM during the term of this agreement
         in any or all of Block's offices where SSM's are installed."

The following is hereby added to Provision 11. Assignment, effective as of the
date of this addendum:

         "Such assignment shall not be unreasonably withheld. Block's refusal to
         approve an assignment to an entity which on its own or through others
         competes with Block's tax preparation and electronic filing business
         shall be deemed to be unreasonable."

The following is added as a Provision 14. Mutual Non Disclosure to the Agreement
effective as of this addendum:

         "14. Mutual Non Disclosure

         Each party agrees to keep confidential any information given to the
         other party relating to the subject matter of this Agreement and any
         Addendum or Amendments thereto, or any information exchanged concerning
         the business of either party ("Confidential Information"). Such
         Confidential Information, whether oral or written, in whatever form
         provided shall remain the property of the party disclosing such
         Confidential Information, and each party shall keep confidential and
         restrict disclosure of the Confidential Information solely to legal
         counsel and need-to-know representatives/employees of the receiving
         party ("authorized disclosure"). The receiving party shall have no
         obligation to preserve the confidentiality of any Confidential
         Information which: (i) was previously known to the receiving party free
         of any obligation to keep it confidential; or (ii) is or becomes
         publicly available, by other than unauthorized disclosure; or (iii) is
         received by the receiving party from a third party who is rightfully in
         possession of such Confidential Information and has no legal obligation
         to keep it confidential; or (iv) is the subject of any legal proceeding
         to compel disclosure of such Confidential Information, provided the
         receiving party promptly notifies the

                                      -4-
<PAGE>

         disclosing party of the receipt of notice of such legal proceeding and
         affords the disclosing party the opportunity to contest it. Nothing
         contained in the Agreement or this Addendum No.1 shall be construed as
         granting or conferring any rights by license or otherwise in any
         Confidential Information disclosed."

The following is added as a Provision 15. Joint Marketing Agreement to the
Agreement effective as of this addendum:

         "15. Joint Marketing Agreement:

         Each party will use its best efforts to enter into a mutually agreeable
         joint marketing arrangement for the purpose of promoting and developing
         their respective check cashing (ACE) and tax preparation (Block)
         services throughout the United States each year this Agreement remains
         in effect."

The following is added as a Provision 16. Press Releases to the Agreement
effective as of this addendum:

         "16. Press Releases:

         "Should either party desire to issue a press release subsequent to the
         execution of this addendum regarding the terms and conditions included
         herein, the other party has the right to approve the content of such
         press release prior to issuance. Such approval shall not be
         unreasonably withheld."

The following is added as a Provision 17. Limitation of Liability. IN NO EVENT
SHALL ACE BE LIABLE FOR ANY EXEMPLARY, SPECIAL, INCIDENTAL OR CONSEQUENTIAL
DAMAGES TO BLOCK INCLUDING WITHOUT LIMITATION, ANY PAYMENT FOR LOST BUSINESS,
FUTURE PROFITS, LOSS OF GOODWILL, FEE REVENUE, REIMBURSEMENT FOR EXPENDITURES OR
INVESTMENTS MADE OR COMMITMENTS ENTERED INTO, CREATION OF CLIENTELE, OVERHEAD OR
FACILITIES INCURRED OR ACQUIRED BASED UPON THE BUSINESS DERIVED OR ANTICIPATED
UNDER THIS AGREEMENT WHETHER FORESEEABLE OR NOT, FOR ANY SSM THAT BECOMES OR IS
RENDERED INOPERABLE OR IF SUCH EQUIPMENT OTHERWISE MALFUNCTIONS.

This Addendum No. 1 shall expire or terminate concurrently with the Agreement,
as extended hereby.

Except to the extent expressly provided in this Addendum, the terms and
conditions of the Agreement shall remain in full force and effect. This Addendum
including Amended Exhibit A No. 1 and the Agreement constitute and contain the
entire agreement of the Parties hereto and supersede any and all prior
agreements, negotiations, correspondence, understandings and communications
between the Parties, whether written or oral, respecting the subject matter.

                                      -5-
<PAGE>

H&R Block Tax Services, Inc.              ACE Cash Express, Inc.
a Missouri corporation                    a Texas corporation

By: /s/ Patrick D. Petrie                 By: /s/ Brent Turner
    -----------------------                   ----------------------------
Name: Patrick D. Petrie                   Name: Brent Turner
      ---------------------               Its: Assistant Vice President/
Its: VP Finance and Admin.                Self Service Business
     ----------------------               Date: 6/01/2001
Date: 5/31/01                                   --------------------------
      ---------------------

                                      -6-<PAGE>
                                                                    EXHIBIT 10.2

                             CASH SERVICES AGREEMENT

         This agreement (the "AGREEMENT") is made to be effective as of December
17, 2002, by and between ACE CASH EXPRESS, INC., a Texas corporation ("ACE") and
TEXAS CAPITAL BANK, NATIONAL ASSOCIATION ("TEXAS CAPITAL").

                                   WITNESSETH:

         A. ACE has leased a series of cash disbursement Self-Service Machines
(individually, an "SSM" and collectively, "SSMS") from Diebold Credit
Corporation or Diebold, Incorporated, or both, or other lessees acceptable to
Texas Capital ("LESSORS") which are located in the offices of H&R Block Tax
Services, Inc. ("H&R") listed on EXHIBIT A hereto, as amended with the consent,
in its sole discretion, of Texas Capital ("COVERED SSMS")

         B. ACE and Texas Capital desire that, among other things, Texas Capital
furnish the U.S. currency, which for purposes of this Agreement shall include
(i) all cash in Covered SSMs, (ii) any Texas Capital cash in the vault of its
Contractor (defined below) or otherwise in Contractor's possession or control
that was requested by ACE from Texas Capital in connection with this Agreement,
and (iii) any Texas Capital cash in the vaults of its Correspondents (defined
below) or otherwise in any Correspondent's possession or control that was
requested by ACE from Texas Capital in connection with this Agreement
(collectively, the "CASH").

         C. Cash will be used to stock the Covered SSMs in order to permit cash
withdrawals therefrom by customers of H&R pursuant to tax refund and tax loan
checks cashed in the Covered SSMs ("ICB CHECKS") issued by Imperial Capital Bank
("ICB") as advance fundings of income tax refunds.

         D. In order to facilitate the availability of Cash under this
Agreement, Texas Capital may, from time to time, deposit U.S. currency into the
vaults of its correspondents listed on ANNEX III hereto (each a "CORRESPONDENT"
and collectively, the "CORRESPONDENTS").

         E. Ten (10) of the Covered SSMs will permit Cash withdrawals without
use of ICB Checks (the "Non-Check SSMs") and reimbursement for such Cash
withdrawals shall be pursuant to an electronic presentment agreement
satisfactory to Texas Capital and subject to appropriate intercreditor agreement
with U.S. Bank National Association and DZ Bank AG Deutsche
Zentral-Genossenschaftbank Frankfurt am Main, as Administrative Agent.

         NOW THEREFORE, in consideration of the premises herein contained and
other good and valuable considerations, the receipt and sufficiency of which are
hereby acknowledged, the undersigned agree as follows:

         1. Services

         (a) Texas Capital will provide Texas Capital's Cash to be loaded by its
Contractor (defined below) into Covered SSMs for disbursement to H&R customers
that cash ICB checks. No ownership of the Cash or any ICB Checks shall accrue,
transfer or otherwise inure to ACE or any of its agents or affiliates.

                                                         CASH SERVICES AGREEMENT
<PAGE>

         (b) All handling of Non-Vault Cash (defined below), including all
loading and unloading of any of the Cash into or out of any of the Covered SSMs
and all counting and verification of Cash before it is placed in machine
cassettes and after its removal from machine cassettes for transfer to the
Correspondents, shall be performed by Loomis Fargo & Co. ("CONTRACTOR") for
Texas Capital pursuant to a contract with Texas Capital. "NON-VAULT CASH" means
Cash that is not in a Correspondent's vault.

         (c) ACE has leased the Covered SSMs from Lessors and has entered into
an SSM servicing agreement pursuant to which Lessors service and maintain the
Covered SSMs. Neither Texas Capital nor any of its agents shall have any
responsibility for the repair, maintenance, care, or servicing of the Covered
SSMs.

         (d) All of the Cash, ICB Checks, Settlement Funds (hereinafter
defined), Collection Account (hereinafter defined) and Fee/Expense Account
(hereinafter defined) are, and shall remain, the property of Texas Capital and
shall be treated by Texas Capital as its asset. Texas Capital shall have full
title, use, rights and benefits of and to the Cash and ICB Checks during the
time that they are in the possession, custody or control of Contractor or any
Correspondent or stored in any Covered SSM and, in the case of Cash, until such
time as the Cash is dispensed from any of the Covered SSMs to customers of H&R
in accordance with this Agreement and the operating procedures described on
ANNEX I hereto. Neither the Cash, ICB Checks, Settlement Funds, Collection
Account nor the Fee/Expense Account shall at any time become the property of ACE
or any of its agents. Neither the Cash, ICB Checks nor the Settlement Funds
shall be commingled with any other cash or accounts in the possession, custody
or control of Contractor or ACE. ACE confirms and agrees that neither it nor any
affiliate has any interest or any other right in the Cash, ICB Checks,
Settlement Funds, Collection Account, EP Amounts (hereinafter defined), or
Fee/Expense Account. "SETTLEMENT FUNDS" means an amount equal to the aggregate
of any and all Settlement Amounts (hereafter defined) at any time, and from time
to time, now or hereafter required to be remitted to the Reserve Account in
accordance with SUBPARAGRAPH 5(d) of this Agreement.

         (e) ACE shall not have access to, or use of, any of the Cash after
delivery of the Cash to Contractor, whether during transportation or storage by
Contractor or any Correspondent or while it is stored in the machine cassettes
in the Covered SSMs, except that Lessors, the SSM servicing contractor, shall be
allowed to provide scheduled and unscheduled repair and maintenance to the
Covered SSMs in accordance with the terms of Operating Agreement between Lessors
and ACE (collectively, as amended, renewed, extended, or restated, the
"OPERATING AGREEMENT"). Once any of the Cash is delivered by Texas Capital to
Contractor or any Correspondent, it shall only be transported or stored by
Contractor or a Correspondent and finally placed in one of the Covered SSMs
pursuant to the terms of the Cash Vault Services Agreement dated May 1, 1999 (as
amended), and the Armored Car Service Agreement dated May 1, 1999 (as amended)
(collectively the "CONTRACTOR AGREEMENT") by and between Texas Capital and
Contractor and the Operating Agreement.

         (f) During the term of this Agreement, the only U.S. currency to be
placed in any of the Covered SSMs shall be Texas Capital's Cash. None of the
Cash shall be placed in any SSMs other than the Covered SSMs.

                                       2                 CASH SERVICES AGREEMENT
<PAGE>

         (g) Texas Capital may, for the purposes of reporting pursuant to
Regulation D of the Federal Reserve Board (12 CFR Section 204), treat the Cash
under this Agreement as "vault cash" on a continuous basis, and no other
financial institution (including Correspondents) shall report, treat or consider
such funds as "vault cash" for any similar reporting purposes.

         (h) Any and all Cash, ICB Checks and Settlement Funds collected or
received by ACE shall be held by ACE in trust, custody and safekeeping for the
benefit of Texas Capital. ACE shall have no claim to, nor right of withdrawal
of, Cash or Settlement Funds except to deliver such funds to the Reserve Account
in accordance with PARAGRAPH 5(d). The services provided in this Agreement are
in the nature of a bailment by Texas Capital for the mutual benefit of the
parties hereto and not as a transfer of ownership or any other property
interest. The Cash, ICB Checks and Settlement Funds shall not be subject to any
manner of lien, security interest, attachment or other process or agreement
created by, or relating to the property of, ACE or any of its affiliates, nor
shall ACE or any of its affiliates intentionally take any action that could
cause the Cash, ICB Checks or Settlement Funds to be treated as property of ACE
or any affiliate, nor shall ACE or any affiliate intentionally take any action
that could cause the Cash, ICB Checks or Settlement Funds to be treated as
property of ACE's or any affiliate's estate in a bankruptcy proceeding. It is
expressly agreed between ACE and Texas Capital that ACE shall take all necessary
and reasonable steps to identify and protect Texas Capital's property rights in
the Cash, ICB Checks and the Settlement Funds. ACE and Texas Capital expressly
agree that ACE has no possessory or ownership rights to the Cash, ICB Checks and
the Settlement Funds under Section 541 of the Bankruptcy Code, 11 U.S.C. Section
541.

         (i) Upon written notice from Texas Capital, ACE shall use all
commercially reasonable efforts to comply or arrange for compliance with any
regulatory requirement imposed upon Texas Capital with respect to Covered SSMs
and the security of the Cash, ICB Checks and the Settlement Funds subject to
this Agreement, and with respect to any record-keeping or reporting requirement
imposed on Texas Capital relating to the Cash, ICB Checks and the Settlement
Funds, including, without limiting the generality of the foregoing, the
provisions of the regulations of the Office of the Comptroller of the Currency,
regarding minimum security devices and procedures, 12 C.F.R. Section 21.1, and
the provisions of the Bank Protection Act, as amended, 12 U.S.C. Section 1882 et
seq., as such provisions relate to the Covered SSMs in off-premises locations.
ACE shall fully cooperate with Texas Capital by furnishing all information
required by Texas Capital to meet such regulatory requirements. In the event
Texas Capital is or becomes subject to any legal or regulatory notice or action
which could adversely affect ACE's uninterrupted operation of the Covered SSMs,
Texas Capital shall, if not otherwise prohibited by law or regulation, notify
ACE of such event and shall, use commercially reasonable efforts to continue
performance of Texas Capital's obligations under this Agreement.

         (j) Contractor will provide to Texas Capital and ACE (1) a strap
counting report each time it picks up Cash from a Correspondent verifying the
Cash received, and (2) a report of Cash removed from Covered SSMs each time Cash
is picked up from Covered SSMs.

         2. Delivery of the Cash

         (a) Subject to the availability of sufficient U.S. currency to Texas
Capital, Texas Capital will cause to be made available to Contractor or
Correspondents, or both, the Cash

                                       3                 CASH SERVICES AGREEMENT

<PAGE>

required to stock the Covered SSMs (or be available for restocking) in the
amount requested by ACE, which amount shall not exceed: (i) * ($*) per Covered
SSM; or (ii) the aggregate sum of One-Hundred Million Dollars ($100,000,000.00)
which shall include, for purposes of computing the aggregate amount, ICB Checks
for which Texas Capital shall not have received funds, unreimbursed amounts of
Cash withdrawn from Non-Check SSMs ("EP Amounts") and all Cash. Notwithstanding
the foregoing, in no event shall Cash in any Non-Check SSM exceed * ($*) and no
Cash shall be placed in any Non-Check SSM if, for any reason whatsoever, the
unreimbursed amount due to Texas Capital for Cash withdrawals from Non-Covered
SSMs is outstanding later than the first business day after receipt of funds by
U.S. Bank National Association or is greater than the aggregate amount then held
by Texas Capital in the Reserve Account.

         (b) ACE shall provide Texas Capital's Correspondents with a request to
deliver to Contractor (which, solely with respect to currency, shall be for a
specified number of bundles) via the Correspondent's fax or touch-tone cash
ordering service two (2) business days before the business day Cash is to be
supplied to Contractor that specifies the amount and denomination of Cash to be
supplied to Contractor that is required to replenish the supply of currency and
coin in the Covered SSMs and will simultaneously send a file to Texas Capital's
electronic cash ordering service and to Contractor a confirmation of the order
listing the amount, Correspondent to whom the request was made, denominations of
cash ordered and machine locations to which the Cash will be delivered. In the
event that ACE desires to change the amount of Cash to be supplied from the
amount reflected on the order, ACE shall provide Texas Capital, Contractor and
the applicable Correspondents a change request reflecting the changed amount by
9:00 a.m. (Central Standard Time) on the business day immediately preceding the
business day that the Cash is to be delivered to a Contractor. For the purposes
of this Agreement, "BUSINESS DAY" means any day on which the offices of Texas
Capital are open to the public for carrying on substantially all business
functions, other than Saturday or Sunday. Cash requested by ACE will be
delivered on the later of (i) two business days after the business day on which
the Cash is requested by ACE or (ii) the first business day following the
business day on which the applicable Federal Reserve Bank (defined hereinafter)
or Correspondent makes such Cash available to Contractor for the benefit of
Texas Capital. At the time of Cash delivery, Contractor shall pick up any ICB
Checks in the Covered SSMs for delivery to Texas Capital within 48 hours. In
addition, at the time of Cash delivery to a Covered SSM, any Cash then remaining
in such Covered SSM shall be removed by Contractor for redelivery to the
Correspondents as provided herein and in Contractor's agreement with Texas
Capital.

         (c) In the event the Federal Reserve Bank or any branch offices thereof
(collectively, "FEDERAL RESERVE Bank") or a Correspondent cannot supply Texas
Capital with the volume of fit U.S. currency and coin required to meet the
currency needs of the Covered SSMs, Texas Capital shall use its best
commercially reasonable efforts to obtain as much of such currency and coin as
possible to meet such currency and coin needs.

----------

* Confidential treatment has been requested for certain portions of this
document pursuant to an application for confidential treatment sent to the
Securities and Exchange Commission. Such portions are omitted from this filing
and filed separately with the Securities and Exchange Commission.

                                       4                 CASH SERVICES AGREEMENT
<PAGE>

         3. Redelivery of the Cash to Texas Capital

         (a) Texas Capital may demand, at any time without notice or
qualification, and direct Contractor and each Correspondent to the effect that
the Cash and ICB Checks then stored in the Covered SSMs or otherwise in the
possession, custody or control of Contractor or a Correspondent be delivered to
Texas Capital or its designee by Contractor or a Correspondent; provided,
however, Texas Capital shall use commercially reasonable efforts to give ACE
prior notice of such delivery request to allow Contractor to collect and deliver
the Cash to the applicable Correspondent or Texas Capital's designee in an
orderly fashion. Funds delivered to Texas Capital pursuant to this PARAGRAPH 3
shall in no event exceed the balance of all undispensed Cash stored in the
Covered SSMs and ICB Checks in the SSMs or otherwise in the possession, custody
or control of Contractor and the Correspondents. ACE shall be responsible for
taking all commercially reasonable action necessary to ensure that Lessors and
H&R cooperate with redelivery of Cash and delivery of ICB Checks to Contractor
once Texas Capital has directed Contractor to redeliver the same to the
Correspondent.

         (b) Texas Capital shall not be liable for any damages incurred by ACE
due to the redelivery of the Cash to Texas Capital as provided in PARAGRAPH 3(a)
above, nor for the resulting inability of customers of H&R to use the Covered
SSMs because they then contain no currency or coin.

         (c) In lieu of the provisions of PARAGRAPH 3(a) above, Texas Capital
may elect to receive from ACE (upon ACE's agreement thereto) good funds in an
amount equal to the undispensed Cash and ICB Checks stored in the Covered SSMs
and in the possession, custody or control of Contractor or the Correspondents,
delivered to the Main Office of Texas Capital, by wire transfer or any other
mutually agreed-upon method.

         (d) Non-Vault Cash removed by Contractor from Covered SSMs shall, after
counting by Contractor, be returned to the applicable Correspondent's vault for
credit to Texas Capital's account with such Correspondent. It is anticipated
that such return shall generally occur at the same time as Contractor picks up
the next Cash order placed by ACE with such Correspondent.

         4. SSM Transactions

         The Cash loaded in each Covered SSM (other than Non-Check SSMs) may be
dispensed from Covered SSMs only to customers of H&R by means ICB Checks and no
Cash in any Covered SSM may be dispensed except to customers of H&R pursuant to
a special personal identification number of the customer provided by H&R.

         5. Settlement for Cash Disbursements

         (a) On each business day following the initial delivery of the Cash to
any Covered SSM, ACE will deliver electronically to Texas Capital, at its
central cash vault, a report substantially in the form attached hereto as
EXHIBIT B or as otherwise agreed in writing between ACE and Texas Capital (the
"DAILY REPORT") describing the cash withdrawal transactions occurring at Covered
SSMs since the delivery of the previous Daily Report, including without
limitation, a statement of (i) the total number of transactions involving the
withdrawal of Cash from the Covered SSMs, (ii) the amount of Cash contained in
the Covered SSMs, (iii) the total

                                       5                 CASH SERVICES AGREEMENT
<PAGE>

Cash dispensed from the Covered SSMs, (iv) the total number of ICB Checks
deposited in each Covered SSM, and (v) any other information Texas Capital may
reasonably require to verify the amount of Cash stored in the Covered SSMs and
in the possession, custody or control of Contractor (together, the "DAILY CASH
POSITION").

         (b) The Daily Report and any related data shall contain sufficient
detail and specificity to allow Texas Capital to accurately determine each day
the Daily Cash Position. Texas Capital may also rely upon Contractor's reports
and its Correspondents' on-line account reports in reconciling Cash and its
Daily Cash Position.

         (c) All ICB Checks shall be delivered to Texas Capital by Contractor
and shall be deposited into a segregated account established at Texas Capital
(the "COLLECTION ACCOUNT") Each business day, Texas Capital shall reconcile the
amounts in the Collection Account, including the difference between the amount
Texas Capital collects for honoring ICB Checks through the Covered SSMs and the
amount dispensed to H&R customers in Cash through Covered SSMs (the "SETTLEMENT
AMOUNT") as reflected on the Daily Report. With respect to the Non-Check SSMs,
Texas Capital shall accept a wire for reimbursement that is transmitted pursuant
to a data file request made by ACE. ACE covenants and agrees that any such data
file shall segregate, with machine identification, ICB Cash withdrawn from
Non-Check SSMs.

         (d) The Settlement Amount shall be withdrawn on a daily basis by Texas
Capital and deposited into a special non-interest bearing reserve account (the
"RESERVE ACCOUNT") established at Texas Capital and pledged by ACE to Texas
Capital pursuant to a pledge and account control agreement to secure ACE's
performance under this Agreement and each agreement related hereto, including
but not limited to the payment of all fees and expenses incurred by Texas
Capital related to Contractor expenses, legal fees and expenses, insurance
expenses and courier expenses. The Reserve Account will be held by Texas Capital
until the Final Settlement (defined hereinafter). To the extent that any ICB
Checks are unpaid for any reason after the normal collection process or Texas
Capital is not reimbursed the first business day after Cash is withdrawn from
Non-Check SSMs, Texas Capital is irrevocably authorized to debit such amounts
directly against the Reserve Account. If after any unpaid ICB Checks are charged
against the Reserve Account and the remaining balance in the Reserve Account is
equal to or exceeds $1,000,000, ACE shall be authorized to collect such ICB
Checks for its own account.

         (e) After delivery by ACE of an officer's certificate from an
authorized officer covered by ACE's directors' and officers' general liability
policy certifying the accuracy of the reconciled amount within such period and
that there has been no breach by ACE of this Agreement, ACE will be paid the
Reserve Account minus (i) $1,000,000, (ii) all fees earned by Texas Capital
during such period and (iii) all expenses incurred by Texas Capital during such
period from the Reserve Account based on calculations as of the 15th day of each
calendar month and the first day of each calendar month commencing on January
15, 2003 through the Final Settlement, the payments for such periods to be
delivered to ACE no later than two business days after the end of each such
period, provided that in no case shall Texas Capital be required to reduce the
Reserve Account below $1,000,000.

         (f) Texas Capital may also establish any number of other accounts at
Texas Capital for the administrative convenience of Texas Capital. Specifically,
Texas Capital will establish a

                                       6                 CASH SERVICES AGREEMENT
<PAGE>

Fee/Expense Account (the "FEE/EXPENSE ACCOUNT") against which Texas Capital will
charge on the 15th day of each calendar month and the first day of each calendar
month all known fees and expenses owing to Texas Capital pursuant to this
Agreement and all of the other agreements related hereto. Funds transferred into
the Fee/Expense Account shall be transferred from the Reserve Account and to the
extent the Reserve Account balance falls below $1,000,000 as a result of such
transfer, ACE shall replenish the Reserve Account to an amount equal to or
exceeding $1,000,000 by 11:00 a.m. on the business day following the business
day on which the Reserve Account balance fell below $1,000,000. Notwithstanding
any other provision in this PARAGRAPH 5(e), to the extent that ACE is in breach
of this Agreement or any agreement related hereto or this Agreement has been
terminated or any reason, Texas Capital may transfer funds into the Fee/Expense
Account from the Collection Account or the Reserve Account and collect such fees
as frequently as Texas Capital deems appropriate.

         (g) Prior to the final settlement (the "FINAL SETTLEMENT") of each of
the accounts described in this PARAGRAPH 5, ACE shall provide to Texas Capital a
certificate of an authorized officer of ACE who is covered by ACE's directors'
and officers' and general liability policy but not by the insurance policy
attached as EXHIBIT C hereto certifying that (i) ACE has used its best efforts,
by contacting ICB and taking other commercially appropriate action, to determine
that there are no outstanding and unpaid ICB Checks that will not be paid for
any reason, (ii) ACE has contacted Lessors to determine that there are no
additional fees or expenses owing to Lessors, (iii) to the best of such
officer's knowledge, there are no unpaid fees owing under this Agreement (other
than fees owed directly to Texas Capital for its services under this Agreement)
or any agreement related hereto and (iv) to the best of such officer's
knowledge, no employee, officer or director of ACE has had access to any Cash,
ICB Checks or any Covered SSM other than officers and employees covered by the
insurance policy attached as EXHIBIT C hereto. Within two business days after
ACE has provided the referenced officer's certificate, all accounts have been
reconciled, all fees and expenses of Texas Capital have been paid by ACE, all
ICB Checks have been collected by Texas Capital (or transferred to ACE under
Section 5(d), Contractor has delivered to Texas Capital all Cash and ICB Checks
from the Covered SSMs and all Cash supplied to ACE during the term of the
Agreement have been returned to Texas Capital in an amount not less that the
amount of Cash provided by Texas Capital to ACE during the term of this
Agreement, Texas Capital shall complete the process of Final Settlement and
deliver to ACE the remaining balance, if any, in the Reserve Account and all
other accounts maintained pursuant to this Agreement. Notwithstanding anything
contained in this PARAGRAPH 5, ACE will remain responsible to Texas Capital and
Texas Capital shall remain responsible to ACE for any fees or expenses that are
related to this Agreement or any agreement related hereto and that are
identified after Final Settlement. To the extent that any such fees or expenses
are identified, the obligated party shall pay all such fees and expenses within
two business days of receipt of notice of same. Both ACE and Texas Capital shall
endeavor to complete the Final Settlement process within 30 calendar days after
the earlier of the expiration or termination of this Agreement.

         6. Risk of Loss

         Upon deposit of the Cash by Contractor, or an ICB Check by a customer
of H&R, into a Covered SSM, ACE shall bear all risk of loss and all liability
with respect to any of the Cash, ICB Checks and any and all activities related
to the use of the Covered SSMs including, but not limited to, loss due to theft,
damage, or destruction of the Cash and ICB Checks, malfunction of

                                       7                 CASH SERVICES AGREEMENT
<PAGE>

any Covered SSM, injuries incurred or torts inflicted directly or indirectly
related to the use of any Covered SSM or the receipt of Cash or the misfeasance
or malfeasance of ACE its agents or employees, excepting, however, losses
directly attributable to Contractor. Texas Capital and ACE shall each cooperate
with and comply with all reasonable requests by each other for documents,
statements or any other proofs relating to any claims for reimbursement or
recovery from other persons.

         7. Indemnity

         (a) Regardless of the existence or continuation of an insurance policy
related to any of the matters described in this PARAGRAPH 7, ACE shall
indemnify, defend and hold harmless Texas Capital from, for and against any and
all losses, costs (including but not limited to legal and consulting fees and
expenses), expenses, claims, damages, suits, causes of action, and judgments
suffered by, asserted against, or recovered from Texas Capital as a result of
the transactions contemplated in this Agreement or breach of this Agreement by
ACE or otherwise in connection with or as a result of this Agreement or any
related documents, including but not limited to accidental loss, theft or
mysterious disappearance of any of the Cash or ICB Checks, or both, or losses of
or the failure of ICB to honor any ICB Check, however caused, THE NEGLIGENCE OF
TEXAS CAPITAL, EXCEPT FOR ANY LOSS RESULTING FROM THE SOLE NEGLIGENCE OR WILLFUL
MISCONDUCT OF TEXAS CAPITAL OR ITS EMPLOYEES, AGENTS (OTHER THAN ACE) OR
REPRESENTATIVES, including, but not limited to, any loss resulting from the
operation or maintenance of the Covered SSMs, including any malfunctions
thereof, or losses resulting from actions of Lessors, but excluding losses
directly attributable to Contractor or Correspondents.

         (b) In addition to the indemnification set forth in PARAGRAPH 7(a)
above, ACE agrees to indemnify, defend and hold harmless Texas Capital, its
officers, directors, employees, attorneys, accountants, and agents from, for and
against any and all losses, costs, claims, damages, suits, causes of action, and
judgments suffered by, asserted against, or recovered from Texas Capital or
liabilities or penalties (including, but not limited to, any penalties imposed
by any governmental entity or agency) and expenses (including, but not limited
to, reasonable attorneys' fees) suffered or incurred by Texas Capital as a
result of or arising out of, or attributed, directly or indirectly, to the
performance or non-performance of any services or of any obligation under this
Agreement by ACE, its agents (including Lessors) or employees, but excluding
losses directly attributable to Contractor or Correspondents.

         8. Fees and Expenses

         Fees and expenses under this Agreement shall be determined and payable
in accordance with the provisions of ANNEX II hereto.

         9. Examinations and Audits

         (a) ACE shall allow Texas Capital and its designees, including any
regulatory or supervisory body to which Texas Capital is subject, to examine and
audit such book, records, reports from audits conducted by ACE or its agents
regarding the Cash, ICB Checks and the Covered SSM facilities which Texas
Capital or its designees may reasonably deem appropriate

                                       8                 CASH SERVICES AGREEMENT
<PAGE>

in order to determine compliance with the terms of this Agreement, the Operating
Agreement and applicable laws and regulations. ACE shall have the right to have
an employee or agent present at all times during any examination or audit of its
records or facilities. Such routine examinations and audits shall be conducted
during ACE's normal business hours, if commercially possible. In the event of
any financial discrepancies, Texas Capital's records of the amounts disbursed,
amounts received by Texas Capital and amounts owed by ACE to Texas Capital shall
be presumptively correct, absent manifest error in computation.

         (b) Texas Capital shall allow ACE and its designees, to examine and
audit such books, records and reports related to the ICB Checks and any of the
accounts established by Texas Capital or the Contractor in connection with this
Agreement.

         10. Insurance

         ACE shall maintain and furnish written evidence, including a
Certificate of Insurance, of insurance in the form attached hereto as EXHIBIT C
(the "SPECIAL POLICY") and such other insurance policies as may be reasonably
requested by Texas Capital, provided that the Special Policy shall (i) be in the
minimum amount of $15,000,000, (ii) have a deductible of no more than $500,000,
(iii) provide that Texas Capital shall receive no less than 30 days written
notice prior to the effectiveness of any policy change or cancellation and (iv)
shall provide that Texas Capital may pay any unpaid premium under the Special
Policy such that the policy remains in effect. In addition, ACE shall pay the
policy premiums for up to an additional $5,000,000 of coverage similar to the
Special Policy that may be purchased separately by Texas Capital for its sole
benefit.

         11. Term; Termination; Survival

         This Agreement shall be effective from the date of execution and shall
continue until the earlier to occur of: (i) March 31, 2003; or (ii) termination
by either party as provided in this PARAGRAPH 11. This Agreement may be
terminated upon the occurrence of any of the following conditions:

         (a) By either party immediately:

         (1) upon written notice from the non-breaching party to the breaching
party, in the event of material breach of any provision of this Agreement (other
than those events described in PARAGRAPHS 11(b) and 11(c) below), if such
material breach has not been cured within 24 hours of an earlier written notice
specifying the nature of the breach;

         (2) in the event that either party to this Agreement shall: (i)
commence a voluntary case or other proceeding seeking liquidation,
reorganization or other relief with respect to itself or its debts under any
bankruptcy, insolvency or other similar law now or in the future in effect, (ii)
seek the appointment of a trustee, receiver, liquidator, custodian or other
similar official of it or any substantial part of its property, (iii) make a
general assignment for the benefit of creditors, (iv) fail generally to pay its
debts as they become due, or (v) take any corporate action to authorize any of
the foregoing; or

                                       9                 CASH SERVICES AGREEMENT
<PAGE>

         (3) in the event that an involuntary case or other proceeding shall be
commenced against either party to this Agreement seeking liquidation,
reorganization or other relief with respect to it or its debts under any
bankruptcy, insolvency or other similar law now or in the future in effect or
seeking the appointment of a trustee, receiver, liquidator, custodian or other
similar official of it or any substantial part of its property, and such
involuntary case or other proceeding shall remain undismissed and unstayed for a
period of sixty (60) days; or any order for relief shall be entered against any
party to this Agreement under the federal bankruptcy laws.

         (b) Immediately upon written notice by Texas Capital:

         (1) if the Reserve Account balance falls below $1,000,000 and ACE has
not replenished such account balance to at least $1,000,000 by 11:00 a.m. on the
business day following the business day of such deficiency;

         (2) upon cancellation, reduction or non-renewal of insurance required
to be carried by ACE pursuant to PARAGRAPH 10 above unless such insurance has,
prior to cancellation, reduction or non-renewal, been replaced by a carrier and
on terms reasonably acceptable to Texas Capital;

         (3) after 24 hours notice from Texas Capital to ACE that Texas Capital
has decided to terminate this Agreement for any reason;

         (4) upon Texas Capital's determination that it needs the Cash to meet
depositor demands or regulatory requirements; or

         (5) upon receipt of notice from ACE that it cannot comply with
regulatory requirements referenced in PARAGRAPH 1(i) of this Agreement.

         (c) If Texas Capital determines in its reasonable discretion that a
breach has occurred under PARAGRAPHS 1(d), 1(e), 1(f) or L(h):

         (1) Texas Capital may terminate this Agreement immediately upon written
notice to ACE, if Texas Capital has further determined (in its reasonable
discretion and in good faith) such breach was intentional on the part of ACE or
as a result of gross negligence; or

         (2) Texas Capital may terminate this Agreement immediately upon written
notice to ACE if there are any changes to Regulation D or other applicable
regulations of the Board of Governors of the Federal Reserve System that either
(A) prohibit Texas Capital from performing under the Agreement, or (B) cause
performance by Texas Capital under the Agreement to become, in its reasonable
discretion, economically infeasible, unless ACE consents and agrees to pay to
Texas Capital an amount sufficient to compensation Texas Capital for the
economic consequences of such change.

         (d) ACE may terminate this Agreement immediately upon 24 hours written
notice to Texas Capital for any reason and ACE shall only be liable for the fees
and expenses described on ANNEX II hereto.

         In all other cases other than clause (a) through (c) above, Texas
Capital may: (i) suspend its obligations under PARAGRAPH 2(a) if such breach
remains unremedied for 24 hours following

                                       10                CASH SERVICES AGREEMENT
<PAGE>

notice by Texas Capital to ACE of such breach (the "DEFAULT NOTICE"); and (ii)
immediately terminate this Agreement if such breach remains unremedied for 24
hours following the date of the Default Notice by Texas Capital to ACE.

         Upon termination of this Agreement as provided in this PARAGRAPH 11,
ACE shall immediately, following demand by Texas Capital, cause each Covered SSM
to be available so Contractor can redeliver the Cash and ICB Checks as provided
in PARAGRAPH 3 above. ACE shall be responsible and liable for: (i) collecting
and delivering to Texas Capital all ICB Checks and Settlement Funds, if any, in
the possession of ACE; and (ii) using its best commercially reasonable efforts
to insure that no one interferes with Contractor such that Contractor can
redeliver Cash and deliver ICB Checks to Texas Capital or its Correspondents in
accordance with the terms of this Agreement. Notwithstanding the termination of
this Agreement as provided in this PARAGRAPH 11, the obligations of the parties
hereto under PARAGRAPHS 3, 5, 6, 7, 8, 9 and 11 shall survive and continue in
full force and effect so long as any of such obligations remain outstanding,
unperformed or unpaid.

         Upon termination of this Agreement pursuant to PARAGRAPH 11(c)(2) or as
a result of Texas Capital requiring the Cash to meet depositor demands, Texas
Capital will refund to ACE a pro rated portion of the fee paid under ANNEX II,
PARAGRAPH (a) in an amount equal to the difference between the Minimum Fee
(defined in ANNEX II) and the amount of the utilization fee earned pursuant to
ANNEX II, PARAGRAPH (a). In all other events, all fees and expenses payable
under ANNEX II, PARAGRAPH (a) shall be fully earned and payable upon the
execution of this Agreement.

         12. Assignment

         Neither party may assign this Agreement to any other person, firm or
entity without the prior written consent of the other party.

         13. Notices

         All notices, requests and approvals required to be in writing by this
Agreement, unless otherwise provided in this Agreement, shall be in writing, (i)
mailed postage prepaid, or personally delivered by overnight or other courier
service, to the address of the parties as indicated below unless notice is given
in writing of a change in address pursuant to this PARAGRAPH 13, and then to
that address, or (ii) made by facsimile machine delivered or transmitted to the
party to whom such notice or communication is directed to the Fax Number
indicated below:

         to Texas Capital:  Texas Capital Bank, National Association
                            2100 McKinney Avenue, Suite 900
                            Dallas, Texas 75201
                            Attention: Ronald K. Baker, Executive Vice President
                            Fax Number: (214) 932-6607

         to ACE:            Ace Cash Express, Inc.
                            1231 Greenway Drive, Suite 600
                            Irving, Texas 75038
                            Attention: Joe Conner
                            Fax Number: (972) 582-1464

                                       11                CASH SERVICES AGREEMENT
<PAGE>

         Any notice or other communication shall be deemed to have been given
(whether actually received or not) on the day it is personally delivered as
aforesaid, or, if mailed (sent postage prepaid) three (3) days following the
date it is mailed as aforesaid; or, if transmitted by facsimile machine, or
personally delivered on the day that such notice is transmitted or delivered as
aforesaid.

         14. Representations and Warranties

         ACE represents and warrants that, as of the date of this Agreement,
each of the following statements are true and correct:

         (a) ACE is a corporation duly organized, validly existing, and in good
standing under the laws of its state of incorporation.

         (b) ACE is qualified to do business in all jurisdictions where the
nature of the business described in this Agreement requires qualification and
has each license, permit or other authorization necessary to conduct the
business contemplated by this Agreement and each other agreement related hereto.

         (c) The board of directors of ACE has duly authorized the execution,
delivery, and performance of this Agreement and each of the agreements related
hereto and ACE has full legal right, power, and authority to execute, deliver,
and perform under this Agreement and the other agreements to be executed by ACE.

         (d) The fees charged or proposed to be charged by ACE for use of the
Covered SSMs by H&R customers comply with all the statutes, rules, regulations,
licenses, permits and authorizations related to such fees in each of the states
in which any Covered SSM will be located.

         (e) The execution or delivery of this Agreement or any of the other
agreements related hereto and performance thereunder does not conflict with, or
result in a breach of the terms, conditions or provisions of, or constitute a
default under, or result in any violation of any other agreement of ACE which
would result in a material adverse effect on ACE, and no other consent, (other
than as described in this PARAGRAPH 14) approval, or other action by, notice to
or filing with any other person or entity is required for the effectiveness of
this Agreement.

         (f) ACE is in compliance with each of the terms and conditions of its
agreements with H&R other than the number of operating SSMs.

         (g) ACE is in compliance with each of the terms and conditions of its
agreements with Lessors.

         (h) ACE may pledge its interest in the Reserve Account to Texas Capital
to secure payment and performance of its obligations under this Agreement and
such pledge does not

                                       12                CASH SERVICES AGREEMENT
<PAGE>

violate in any material respect any other agreement to which ACE is a party or
by which its assets are bound.

         15. Covenants

         As long as ACE has any continuing obligations under the terms of this
Agreement or any other agreement related hereto, ACE agrees to:

         (a) Maintain each license, permit or other authorization required to
conduct the business contemplated by this Agreement and each other agreement
related hereto.

         (b) Comply with each of the terms and conditions contained in the H&R
agreement executed by ACE and related to this Agreement.

         (c) Comply with each of the terms and conditions contained in the
Lessors agreement executed by ACE and related to this Agreement.

         (d) Maintain a balance of no less than $1,000,000 in the Reserve
Account.

         (e) Not to charge any fee or other charge for use of any Covered SSMs
by H&R customers that fails to comply with any of the statutes, rules,
regulations, licenses, permits or authorizations related to such fees or charges
in each of the states in which any Covered SSM is located.

         (f) Not put any of its own U.S. currency into any Covered SSM or
otherwise commingle any Cash, ICB Checks (other than returned checks charged to
the Reserve Account pursuant to PARAGRAPH 5(d) or Settlement Funds with any
other cash or accounts in the possession custody or control of Correspondents,
Contractor or ACE.

         (g) Continue to provide the Daily Report in form, format and substance
acceptable to Texas Capital.

         (h) Pay all legal fees and expenses of Texas Capital in connection with
a breach of any provision of this Agreement or any of the other agreements
related hereto, termination of the Agreement, collection of ACE's obligations,
or enforcement of Texas Capital's rights or remedies hereunder.

         (i) Maintain the automatic endorsement of each check deposited into a
Covered SSM to read, "Pay to the order of Texas Capital Bank, National
Association".

         (j) To the extent that the insurance company rating of the issuer of
the Special Policy shall fall below a Best rating of "A", provide a replacement
policy acceptable to Texas Capital with an insurance company with a Best rating
of "A" or higher.

         (k) To the extent that ACE or any of its officers or directors
determines that it has breached any term of this Agreement or any of the
agreements related hereto or that ACE is in default of any such agreement or
ACE's credit facilities, provide Texas Capital with written notice detailing the
nature and scope of such breach or default.

                                       13                CASH SERVICES AGREEMENT
<PAGE>

         (l) During the term of this Agreement, keep in effect a directors' and
officers' and general liability insurance policy (in coverage and amount and
from a carrier satisfactory to Texas Capital).

         (m) No employee of ACE other than an employee, officer or director
covered by the Special Policy will have access to any Cash, ICB Checks or any
Covered SSM other than ICB Checks returned to ACE under PARAGRAPH 5(d).

         (n) ACE will take any and all actions as Texas Capital may, from time
to time, deem reasonably necessary or proper to effect the purposes of this
Agreement or in connection with any of ACE's obligations under this Agreement or
any agreement related hereto.

         16. Conditions Precedent to Effectiveness and the Initial Funding

         (a) ACE shall establish the Reserve Account with Texas Capital in a
minimum amount of $1,000,000 and shall pledge such account to Texas Capital
pursuant to a Deposit Account Security and Control Agreement;

         (b) ACE shall cause H&R to execute and acknowledge in the form of
EXHIBIT D hereto that, among other things, H&R has no interest in the Cash or
ICB Checks in the Covered SSMs or any of the Settlement Funds from ICB Checks in
the Covered SSMs;

         (c) ACE shall cause Lessors to execute and acknowledge in substantially
the form of EXHIBIT E hereto that, among other things, none of the Lessors have
any interest in the Cash or ICB Checks in the Covered SSMs or any of the
Settlement Funds from ICB Checks in the Covered SSMs;

         (d) ACE shall cause its Lender, Wells Fargo Bank, N.A. as Agent, to
execute and acknowledge in the form of EXHIBIT F hereto that, among other
things, all Cash, Settlement Funds and ICB Checks located in the Covered SSMs or
in the process of collection are the sole property of Texas Capital and that
neither ACE nor Wells Fargo Bank, N.A., as Agent or otherwise, has any interest
in the same;

         (e) ACE and Texas Capital shall execute and deliver this Agreement and
each related agreement to which they are parties in connection with this
transaction, and each such agreement will be signed by an officer or director of
ACE covered by ACE's directors' and officers' and general liability policy;

         (f) [omitted intentionally]

         (g) ACE shall provide to Texas Capital evidence that all insurance
premiums for the issuance of the insurance policies required by PARAGRAPH 10
have been paid in full;

         (h) ACE shall caused to be delivered to Texas Capital a legal opinion
of counsel to ACE in form and substance acceptable to Texas Capital and its
counsel;

         (i) [omitted intentionally]

                                       14                CASH SERVICES AGREEMENT
<PAGE>

         (j) ACE shall provide evidence that it has changed the automatic
endorsement of each check deposited into a Covered SSM to read, "Pay to the
order of Texas Capital Bank, National Association";

         (k) ACE shall execute and deliver such other documents and agreements
reasonably requested by Texas Capital that are related to this transaction; and

         (l) ACE shall provide Texas Capital a copy of its effective directors'
and officers' and general liability insurance policy and the Special Policy.

         17. Waiver

         No delay on the part of any party hereto in exercising any right, power
or privilege hereunder shall operate as a waiver thereof, and no single or
partial exercise of any right, power or privilege hereunder shall preclude other
or further exercise thereof, or be deemed to establish a custom or course of
dealing or performance between the parties hereto, or preclude the exercise of
any other right, power or privilege.

         18. Governing Law

         This Agreement shall be governed by and interpreted under the laws of
the State of Texas and the federal laws of the United States of America.

         19. Section Headings

         The Section headings in the Agreement are for purposes of reference
only and shall not limit or affect any of the terms herein.

         20. Entire Agreement; Modification; Inconsistencies

         THIS AGREEMENT, AS WELL AS THE EXHIBITS REFERENCED HEREIN, CONSTITUTE
THE ENTIRE AGREEMENT BETWEEN TEXAS CAPITAL AND ACE RELATING TO THE SUBJECT
MATTER HEREIN AND MAY NOT BE CHANGED ORALLY BUT ONLY BY A WRITTEN INSTRUMENT
SIGNED BY BOTH PARTIES. THERE ARE NO RESTRICTIONS, PROMISES, WARRANTIES,
COVENANTS OR UNDERTAKINGS, OTHER THAN THOSE EXPRESSLY SET FORTH OR REFERRED TO
HEREIN. THIS AGREEMENT SUPERSEDES ALL PRIOR AGREEMENTS AND UNDERSTANDINGS
BETWEEN THE PARTIES WITH RESPECT TO SUCH SUBJECT MATTER. IN THE EVENT OF
INCONSISTENCIES BETWEEN THIS AGREEMENT AND ANY OTHER RELATED AGREEMENT, OR
INCONSISTENCIES BETWEEN THIS AGREEMENT AND THE OPERATING AGREEMENT, THE TERMS OF
THIS AGREEMENT SHALL PREVAIL.

         21. Confidentiality

         The terms of this Agreement are confidential and, except for disclosure
on a confidential basis to accountants, attorneys and other professional
advisors retained in connection with this Agreement and the documents related to
this Agreement or as may be required by statute, law or

                                       15                CASH SERVICES AGREEMENT
<PAGE>

regulation, may not be disclosed in whole or in part to any other person or
entity without the prior written consent of the party not seeking such
disclosure.

         22. Arbitration

         (a) Upon the demand of any party, any dispute shall be resolved by
binding arbitration (except as set forth in PARAGRAPH 22(e) below) in accordance
with the terms of this Agreement. Any party may by summary proceedings bring an
action in court to compel arbitration of a dispute. Any party who fails or
refuses to submit to arbitration following a lawful demand by any other party
shall bear all costs and expenses incurred by such other party in compelling
arbitration of any dispute.

         (b) Arbitration proceedings shall be administered by the American
Arbitration Association ("AAA") or such other administrator as the parties shall
mutually agree upon in accordance with the AAA Commercial Arbitration Rules. All
disputes submitted to arbitration shall be resolved in accordance with the
Federal Arbitration Act (Title 9 of the United States Code), notwithstanding any
conflicting choice of law provision in any of the foregoing documents. The
arbitration shall be conducted at a location in Dallas, Texas selected by the
AAA or other administrator. If there is any inconsistency between this Paragraph
and such rules and statutes, this Paragraph shall govern and control. All
statutes of limitation applicable to any dispute shall apply to any arbitration
proceeding. All discovery activities shall be expressly limited to matters
directly relevant to the dispute being arbitrated. Judgment upon any award
rendered in an arbitration may be entered in any court having jurisdiction;
provided however, that nothing contained herein shall be deemed to be a waiver
by any party that is a bank of the protections afforded to it under Section 91
of Title 12 of the United States Code or any similar applicable state law.

         (c) No provision hereof shall limit the right of any party to exercise
self-help remedies such as setoff, foreclosure against or sale of any real or
personal property collateral or security, or to obtain provisional or ancillary
remedies, including without limitation, injunctive relief, sequestration,
attachment, garnishment or the appointment of a receiver from a court of
competent jurisdiction before, after or during the pendency of any arbitration
or other proceeding. The exercise of any such remedy shall not waive the right
of any party to compel arbitration hereunder.

         (d) Any dispute under this Agreement or any agreement related thereto
shall be settled pursuant to arbitration conducted by a single arbitrator in
Dallas, Texas. The arbitrator must be an active member of the Texas State Bar
with expertise in the substantive law applicable to the subject matter of the
dispute. The arbitrator is empowered to resolve disputes by summary rulings in
response to motions filed prior to the final arbitration hearing. The arbitrator
(i) shall resolve all disputes in accordance with the substantive law of the
State of Texas, (ii) may grant any remedy or relief that a court of the State of
Texas could order or grant within the scope hereof and such ancillary relief as
is necessary to make effective any award, and (iii) shall have the power to
award recovery of all costs and fees, to impose sanctions and to take such other
actions as they deem necessary to the same extent a judge could pursuant to the
Federal Rules of Civil Procedure, the Texas Rules of Civil Procedure or other
applicable law. Any dispute in which the amount in controversy is $5,000,000 or
less shall be decided by a single arbitrator who

                                       16                CASH SERVICES AGREEMENT
<PAGE>

shall not render an award of greater than $5,000,000 (including damages, costs,
fees and expenses).

         (e) Notwithstanding anything herein to the contrary, in any arbitration
in which the amount in controversy exceeds $25,000,000, the arbitrator shall be
required to make specific, written findings of fact and conclusions of law. In
such arbitrations (i) the arbitrator shall not have the power to make any award
which is not supported by substantial evidence or which is based on legal error,
(ii) an award shall not be binding upon the parties unless the findings of fact
are supported by substantial evidence and the conclusions of law are not
erroneous under the substantive law of the State of Texas, and (iii) the parties
shall have in addition to the grounds referred to in the Federal Arbitration Act
for vacating, modifying or correcting an award the right to judicial review of
(1) whether the findings of fact rendered by the arbitrator are supported by
substantial evidence, and (2) whether the conclusions of law are erroneous under
the substantive law of the State of Texas. Judgment confirming an award in such
a proceeding may be entered only if a court determines the award is supported by
substantial evidence and not based on legal error under the substantive law of
the State of Texas.

         (f) To the maximum extent practicable, the AAA, the arbitrator and the
parties shall take all action required to conclude any arbitration proceeding
within 180 days of the filing of the dispute with the AAA. Neither the
arbitrator nor other party to an arbitration proceeding may disclose the
existence, content or results thereof, except for disclosures of information by
a party required in the ordinary course of its business, by applicable law or
regulation, or to the extent necessary to exercise any judicial review rights
set forth herein. If more than one agreement for arbitration by or between the
parties potentially applies to a dispute, the arbitration provision most
directly related to the foregoing documents or the subject matter of the dispute
shall control. If any provision of this Agreement shall be held to be prohibited
by or invalid under applicable law, such provision shall be ineffective only to
the extent of such prohibition or invalidity, without invalidating the remainder
of such provision or any remaining provisions of this Agreement. This
arbitration provision shall survive termination, amendment or expiration of any
of the foregoing documents or any relationship between the parties.

         (g) Texas Capital and ACE hereby agree to keep all disputes and
arbitration proceedings strictly confidential, provided, however, that Texas
Capital and ACE may disclose such confidential information as is necessary in
any litigation between Texas Capital and ACE or as required by applicable law
and, on a confidential basis, to accountants, attorneys and other consultants in
the ordinary course of business.

                                       17                CASH SERVICES AGREEMENT
<PAGE>

         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
date first stated above.

                       ACE CASH EXPRESS, INC.

                       By: /s/ Joe W. Conner
                           -----------------------------------------------------
                           Name: Joe W. Conner
                           Title: Sr. Vice President and Chief Financial Officer

                       TEXAS CAPITAL BANK, NATIONAL ASSOCIATION

                       By: /s/ Ronald K. Baker
                           -----------------------------------------------------
                           Ronald K. Baker, Executive Vice President

                             CASH SERVICES AGREEMENT
                                 SIGNATURE PAGE

<PAGE>
                                    EXHIBIT A

                                  COVERED SSMS

                                                                       EXHIBIT A
<PAGE>

ACE CASH EXPRESS, INC.
SSM LOCATIONS FY03

Texas Capital Bank Locations

<Table>
<Caption>
   CENTER #    H&R BLOCK OFFICE ADDRESS             CITY                           STATE          OFFICE ZIP
   --------    ------------------------             ----                           -----          ----------
<S>            <C>                                  <C>                            <C>            <C>
     6615      3750 WEST MCDOWELL                   PHOENIX                        AZ                85009
     6616      5127 W Indian School Rd              PHOENIX                        AZ                92105
     6617      5851 SO CENTRAL                      PHOENIX                        AZ                90007
     6632      657 WEST VALENCIA ROAD               TUCSON                         AZ                93308
     6633      7342 W. INDIAN SCHOOL RD.            PHOENIX                        AZ                95202
     6734      1062 N ARIZONA AVE                   CHANDLER                       AZ                80916
     6735      114 WEST 2ND STREET                  CASA GRANDE                    AZ                67217
     6736      4337 W BETHANY HOME RD.              GLENDALE                       AZ                66112
     6511      2200 Columbus St                     Bakersfield                    CA                85040
     6512      2512 Wilson Road                     Bakersfield                    CA                85706
     6513      920 CHESTER AVE.                     Bakersfield                    CA                85033
     6514      2437 NORTHGATE BLVD                  SACRAMENTO                     CA                85225
     6515      5211 Fruitridge Road                 SACRAMENTO                     CA                85222
     6516      6622 Florin Rd                       SACRAMENTO                     CA                85301
     6518      5723 Watt Ave                        NORTH HIGHLANDS                CA                93305
     6521      12 W Main St                         Merced                         CA                93304
     6526      14210 E. 14TH ST.                    SAN LEANDRO                    CA                93301
     6528      397 W. Highland Ave.                 SAN BERNARDINO                 CA                95833
     6529      9810 Sierra Ave # F                  Fontana                        CA                95820
     6530      12901 HAWTHORNE BLVD                 HAWTHORNE                      CA                95828
     6531      4520 ATLANTIC AVE                    Long Beach                     CA                95660
     6533      891 N GAREY AVE                      POMONA                         CA                95340
     6534      2307 Oakdale Rd Bldg #8, Ste. #2     MODESTO                        CA                94578
     6535      519 N GOLDEN STATE BLVD              TURLOCK                        CA                92404
     6548      3834 La Sierra Ave                   Riverside                      CA                92335
     6561      4243 EL CAJON BLVD.                  San Diego                      CA                95380
     6618      3020 S. FIGUEROA STREET              LOS ANGELES                    CA                90019
     6619      4855 W. PICO BLVD                    LOS ANGELES                    CA                90301
     6620      515 E MANCHESTER BLVD                INGLEWOOD                      CA                90806
     6621      2620 LONG BEACH BLVD                 Long Beach                     CA                91732
     6623      3580 M SANTA ANITA                   EL MONTE                       CA                91932
     6624      1181 PALM AVE                        IMPERIAL BEACH                 CA                92054
     6625      1829 S. COAST HIGHWAY                Oceanside                      CA                92105
     6626      1762 N EUCLID AVE                    San Diego                      CA                93702
     6627      3250 E TULARE AVENUE                 Fresno                         CA                95206
     6628      353 W. CHARTER WAY, SUITE C          STOCKTON                       CA                95670
     6629      10331 FOLSOM BLVD.                   RANCHO CORDOVA                 CA                93305
     6634      1801 NILES ST                        BAKERSFIELD                    CA                90247
     6635      1215-B OLIVE DRIVE                   BAKERSFIELD                    CA                93534
     6636      1446 N. HUNTER ST.                   STOCKTON                       CA                93726
     6637      1240 W REDONDO BEACH BLVD            GARDENA                        CA                95821
     6639      43537 13TH STREET WEST               LANCASTER                      CA                95116
     6737      4049 N. BLACKSTONE #101              FRESNO                         CA                68112
     6738      3447 WATT AVE.                       SACRAMENTO                     CA                68776
     6739      1939 ALUM ROCK, #C                   SAN JOSE                       CA                68510
     6741      5534 E. WHITTIER BLVD #C             CITY OF COMMERCE               CA                89431
     6742      2111 W. SUNSET BLVD.                 LOS ANGELES                    CA                89502
     6743      509/511 SWEETWATER ROAD              SPRING VALLEY                  CA                89701
     6745      9116 FOOTHILL BLVDE. #114            RANCHO CUCAMONGA               CA                89109
     6746      2085 W. SHAW, #105                   FRESNO                         CA                89030
     6803      14519 VANOWEN ST                     VAN NUYS                       CA                30114
     6804      5095 TELEGRAPH AVE                   OAKLAND                        CA                30161
     6805      849 JEFFERSON BLVD, STE. #102        WEST SACRAMENTO                CA                21061
     6806      4300 SONOMA BLVD, STE. 108           VALLEJO                        CA                43213
     6640      2919 & 2921 W. 38TH AVE.             DENVER                         CO                90022
     6748      3123 SOUTH ACADEMY BLVD.             COLORADO SPRINGS               CO                75216
     6749      122 N. BEACH STREET                  DAYTONA BEACH                  FL                76112
     6755      1552 RIVERSTONE PKWY., #140          CANTON                         GA                75227
     6758      400 EAST 2ND AVE.                    ROME                           GA                75227
     6670      2561 SOUTH SENECA, SUITE 30          WICHITA                        KS                90026
     6760      7616-18 STATE AVE                    KANSAS CITY                    KS                75224
     6763      123 N. CRAIN HWY. SUITE B            GLEN BURNIE                    MD                76116
     6612      7446 N 30 ST                         OMAHA                          NE                92505
     6688      2601 CORNHUSKER AVE.                 SOUTH SIOUX CITY               NE                91977
     6689      2365 O STREET                        LINCOLN                        NE                91730
     6690      2219 ODDIE BLVD                      SPARKS                         NV                93711
     6766      1025 S. WELLS AVE.                   RENO                           NV                76133
     6767      1426 EAST WILLIAM ST.                CARSON CITY                    NV                76135
     6788      3450 S. MARYLAND PKWY./BLVD. M       LAS VEGAS                      NV                79761
     6792      2105 CIVIC CENTER DR.                N. LAS VEGAS                   NV                78043
     6712      3350 CLEVELAND AVE                   COLUMBUS                       OH                43224
     6773      4005 E. BROAD STREET                 WHITEHALL                      OH                75062
     6507      3200 SOUTH LANCASTER, #156A          DALLAS                         TX                85031
</Table>

<PAGE>

<Table>
<S>            <C>                                  <C>                            <C>            <C>
     6549      5411 E Lancaster                     FT Worth                       TX                90250
     6553      1904 Martin L. King Blvd.            DALLAS                         TX                90807
     6554      2223 S. BUCKNER #237                 DALLAS                         TX                91768
     6555      270 WYNNEWOOD VILLAGE                DALLAS                         TX                95355
     6726      8458 CAMP BOWIE WEST                 FORT WORTH                     TX                91405
     6727      6246-A MCCART STREET                 FORT WORTH                     TX                94609
     6728      6738-C LAKE WORTH BLVD.              LAKE WORTH                     TX                95691
     6729      1221 W. AIRPORT FWY. #115            IRVING                         TX                94589
     6730      809 E BERRY                          FORT WORTH                     TX                80211
     6780      315 N HIGH                           LONGVIEW                       TX                76104
     6781      1809 W. LOOP 281 #114                LONGVIEW                       TX                75601
     6782      5038 MONTANA                         EL PASO                        TX                75604
     6783      1307 E 8TH STREET                    ODESSA                         TX                79903
     6793      2310 GUADALUPE ST.                   LAREDO                         TX                78745
     6794      512 W. STASSNEY, STE. 112            AUSTIN                         TX                78666
     6795      925B HIGHWAY 80                      SAN MARCOS                     TX                77301
     6796      1130 W. DALLAS ST.                   CONROE                         TX                77520
     6797      2313 N. ALEXANDER                    BAYTOWN                        TX                78041
     6798      1501 SAN BERNARDO                    LAREDO                         TX                75224
     6800      2639 S. HAMPTON RD.                  DALLAS                         TX                32114
</Table>

<PAGE>

                                    ANNEX II

                            FEE AND EXPENSE SCHEDULE

         (a) ACE shall pay Texas Capital for the Cash delivered under PARAGRAPH
2 and ICB Checks outstanding a utilization fee of *.

         (b) *.

         (c) ACE shall pay Texas Capital all other reasonable third-party
expenses and fees that Texas Capital occurs in connection with this Agreement
and each other related agreement, including but not limited to those fees
charged by Contractor and Correspondents, strapping fees, insurance or bond
coverage fees, fees for counting straps and currency, overnight delivery service
fees and legal fees and expenses, SAVE AND EXCEPT, that ACE shall not be
responsible for (i) the fees and expenses of Texas Capital's legal counsel in
connection with the preparation and negotiation of this Agreement, and (ii)
audit fees and expenses of the third-party auditor retained by Texas Capital.

         (d) All fees under this ANNEX II will be reported to ACE in the monthly
account analysis statement ("STATEMENT") which will be provided to ACE within
fifteen (15) days after the end of each calendar month. ACE hereby authorizes
Texas Capital to, and Texas Capital will, debit ACE's Reserve Account maintained
with Texas Capital on the fifteenth (15th) day of each calendar month and on the
last day of each calendar month in an amount equal to the unpaid fees and
expenses under this ANNEX II as of the end of such period, as calculated by
Texas Capital in accordance with this Agreement, which calculation shall be
binding and conclusive absent manifest error.

----------

* Confidential treatment has been requested for certain portions of this
document pursuant to an application for confidential treatment sent to the
Securities and Exchange Commission. Such portions are omitted from this filing
and filed separately with the Securities and Exchange Commission.

                                                                        ANNEX II
<PAGE>

                                    ANNEX III

                             LIST OF CORRESPONDENTS

U.S. Bank National Association

Wells Fargo Bank, N.A.

Bank of America, N.A.

                                                                       ANNEX III

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