Document:

Exhibit 4.9

                          UNIVERSAL MONEY CENTERS, INC.

                               RIGHTS CERTIFICATE

     VOID AFTER 5:00 P.M.  CENTRAL  DAYLIGHT TIME ON SEPTEMBER 11, 2000,  UNLESS
EXTENDED BY THE COMPANY (THE "EXPIRATION  DATE"). THIS RIGHTS CERTIFICATE IS NOT
TRANSFERABLE.

     The owner named below is entitled to purchase from Universal Money Centers,
Inc. (the "Company"),  shares of Common Stock,  $.01 par value per share, of the
Company ("Shares"), at a subscription price of $.40 per Share (the "Subscription
Price"), upon exercise before the Expiration Date:

[                            ]

 Place Shareholder Label Here

[                            ]

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

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

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

                                   UNIVERSAL MONEY CENTERS, INC.

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

                                      -1-

<PAGE>

FORM 1 - TO SUBSCRIBE FOR SHARES*

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

(a)  BASIC SUBSCRIPTION:

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

     __________________    X     [$________]        =  $_________

(b)  OVERSUBSCRIPTION:

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

     __________________    X     [$________]        =  $_________

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

    Total Payable to ________ Universal Money Centers, Inc. enclosed .  $_______

(d)  SIGNATURE OF RIGHTS CERTIFICATE OWNERS:

____________________________________    _______________________________________
Signature                               Signature

____________________________________    _______________________________________
Print Name                              Print Name

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

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

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

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

                                      -2-

<PAGE>

                        SUBSTITUTE FORM W-9
                        -------------------

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

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

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

Name(s):        ----------------------------------------------------------------
Address:        ----------------------------------------------------------------
                ----------------------------------------------------------------
City, State and Zip Code:       ------------------------------------------------

--------------------------------------------------------------------------------
  SUBSTITUTE    Part 1 - PLEASE PROVIDE YOUR
   FORM W-9     TAXPAYER ID NUMBER IN THE     ----------------------------------
                SPACE AT RIGHT AND CERTIFY BY Social Security Number OR Employer
                SIGNING AND DATING BELOW              Identificationo Number
                -----------------------------
                ----------------------------------------------------------------

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

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

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

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

                                      -3-
<PAGE>

    GUIDELINES FOR CERTIFICATION OF TAXPAYER IDENTIFICATION

                   NUMBER ON SUBSTITUTE FORM W-9

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

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

 1.  An Individual's account                The individual

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

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

4.   a.  The usual revocable trust
         account (grantor is also trustee)  The grantor-trustee1
     b.  So-called trust account that
         is not a legal or valid trust
         under state law                    The actual owner1

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

 5.  Sole proprietorship account            The owner3

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

 7.  Corporate account                      The corporation

 8.  Partnership account                    The partnership

 9. A broker or registered nominee          The broker or nominee

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

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

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

                                      -4-Exhibit 4.11

                          UNIVERSAL MONEY CENTERS, INC.

                         Instructions for Completion of
                               Rights Certificate

     The number of Rights that you have been granted is set forth on the face of
your  Rights  Certificate.  It is also  recorded  in a  register  maintained  by
Universal Money Centers,  Inc. The Rights expire at 5:00 P.M.,  Central Daylight
time,  on  September  11,  2000 (the  "Expiration  Date").  The  Rights  are not
transferable.

     As a  holder  of  Rights,  you  have a  Basic  Subscription  Privilege,  as
described in the Company's  Prospectus dated August 11, 2000 (the  "Prospectus).
Under this  Privilege,  each Right held by you entitles you to subscribe for and
purchase  one share of Common  Stock,  $.01 par value per share  ("Share")  at a
subscription price of $.40 per share (the "Subscription Price"). If you exercise
the Basic  Subscription  Privilege to the fullest extent  possible,  you have an
Over-subscription  Privilege  to purchase  additional  Shares to the extent such
Shares are available after exercise of the Basic  Subscription  Privilege by the
shareholders.  If  sufficient  Shares are not  available  to fully  satisfy  all
requests for  Over-subscription,  an allotment,  as described in the Prospectus,
will be used to apportion the available Shares.

      Rights  may be  exercised  only by the  holder  of  record  thereof.  If a
beneficial owner of Rights desires to exercise such Rights or participate in the
Over-subscription,  he may do so only by having  the holder of record act on his
behalf. A nominee which holds Rights on behalf of one or more beneficial  owners
may exercise the  Over-subscription  Privilege  described above on behalf of any
such owner to the extent that such  Privilege  may be  applicable  to the Rights
exercised on behalf of such owner.

     If you  desire to  subscribe  for and  purchase  all or some of the  Shares
corresponding to your Rights, you should complete and sign Form 1 on the reverse
side of your Rights  Certificate  and follow the Form 1  instructions  set forth
below as soon as possible.  You should also complete and execute the  Substitute
Form W-9 on the Rights Certificate.  The Subscription Price is payable in United
States  dollars by check,  bank draft or money order payable to Universal  Money
Centers,  Inc.  To execute the Rights to purchase  Shares,  you must  deliver to
Universal  Money Centers,  Inc. at the address set forth below before 5:00 P.M.,
Central Daylight time, on the Expiration Date: (1) the signed Rights Certificate
with Form 1 and the Substitute Form W-9 thereon completed and (2) payment of the
applicable Subscription Price.

     If you pay by uncertified  personal check,  you shall allow sufficient time
to ensure  delivery to Universal  Money  Centers,  Inc. and clearance of payment
made by uncertified personal check prior to 5:00 p.m., Central Daylight Time, on
the Expiration Date. Because uncertified  personal checks may take at least five
business days to clear,  you are strongly  urged to pay, or arrange for payment,
by means of certified or cashier's check or money order.

      If there are joint owners of Rights, each joint owner must sign the Form 1
and Substitute Form W-9 on the rights certificate  submitted to the Subscription
Agent.  All  signatures  should be in exactly  the same form as the names of the
registered owners are printed on the Rights  Certificate.  All other information
requested  should be printed or typed.  If the Rights  Certificate is signed and
executed by an attorney, executor,  administrator,  guardian or other fiduciary,
or by an officer of a corporation,  and the Rights Certificate is not registered
in such  manner,  the  person  so  executing  must  give his full  title in such
capacity,  and proper  evidence of  authority  to act in such  capacity  must be
furnished.

                                      -1-
<PAGE>

     Deliveries to Universal Money Centers, Inc. should be made to the following
address:

                               By Mail or By Hand:
                               -------------------

                          Universal Money Centers, Inc.
                                6800 Squibb Road
                              Mission, Kansas 66202
                         Attention: Christopher D. Greek

      The method you use to deliver the completed Rights Certificate and payment
of the appropriate Subscription Price is at your election and risk, and delivery
will be deemed effected only when actually  received by Universal Money Centers,
Inc. If delivery is by mail, it is suggested that insured,  registered mail with
return receipt requested be used.

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

     RIGHTS NOT EXERCISED PRIOR TO 5:00 P.M., CENTRAL DAYLIGHT TIME ON SEPTEMBER
11, 2000, UNLESS EXTENDED BY THE COMPANY,  WILL BE WORTHLESS.  RIGHTS ARE DEEMED
EXERCISED ONLY UPON THE RECEIPT BY UNIVERSAL  MONEY CENTERS,  INC. OF (1) A DULY
COMPLETED RIGHTS CERTIFICATE AND (2) PAYMENT OF THE SUBSCRIPTION PRICE.

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

COMPLETION OF FORMS:

     To complete the Rights  Certificate,  you must fill out both Form 1 and the
Substitute Form W-9. The  instructions for the Substitute Form W-9 are contained
in the Form on the Rights Certificate.  You should complete Form 1 on the Rights
Certificate in the following manner:

     1. If you wish to exercise  all or some of your  Rights,  state in line (a)
the number of Shares that you wish to purchase and the amount of payment due for
such  subscription.  One Right is required in order to purchase each Share under
the Basic  Subscription  Privilege.  Please  be sure  that you own a  sufficient
number of Rights to subscribe for the Shares you want to purchase.

     2. If you wish to  Over-subscribe,  enter in line (b) the  number of Shares
for which you wish to  over-subscribe  and the  amount of  payment  due for such
over-subscription.  You may  over-subscribe  only if you exercise your Rights to
the fullest extent possible under the Basic Subscription Privilege.

     3. On line (c), state the total  Subscription Price of the Shares which you
wish to  purchase.  To  obtain  the cost of the  Shares,  add the  amount of the
Payment  under lines (a) and (b).  You must  include  full  payment of the total
Subscription  Price with this  request.  Payment  may be by check,  or postal or
express money order,  payable in United States dollars to us. Requests  received
for subscription without any payment will be returned.

     4. On line (d), sign, print your name and state your telephone  number.  If
there are joint beneficial owners, each joint owner must sign.

     5. Rights remaining  following the  subscription  will be held by Universal
Money Centers, Inc. until instructed otherwise by the holder.

                                      -2-

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