Document is copied.
                                                                   EXHIBIT 10.13


                                                             Document is copied.
                              AGREEMENT AND RELEASE


     THIS  AGREEMENT is made on the 28th day of February, 2000, between PINNACLE
BUSINESS  MANAGEMENT,  INC.,  a  Nevada corporation, located at 2963 Gulf to Bay
Blvd,  Suites  265  and 210 Clearwater, Florida 33759 ("Pinnacle" or "Company"),
and  JEFFREY  G.  TURINO,  an  individual  residing at 6501 Ridgecrest Dr.; Port
Richie,  Florida 34668 ("Turino") and MICHAEL BRUCE HALL, an individual residing
at  6825  14th  Ave, N.; St. Petersburg, Florida 33710 ("Hall"). Turino and Hall
are  referred  together  as  the  "Executives."

                                    ARTICLE I

                                  INTRODUCTION

1.01 Pinnacle,  incorporated  in 1997, has entered into an employment  agreement
     effective October 14, 1997 with each of the Executives ("Agreement"). Under
     the  terms  of  the  Agreement,   the  Executive  is  committed  to  expend
     substantially  all of his professional time for the benefit of the Company.
     In consideration,  each Executive  receives per year $104,000 in salary; 5%
     of the Company's pretax income as bonus (with a minimum of $52,000 in bonus
     in  1998);  and stock  options  for the  purchase  of  1,000,000  shares of
     Pinnacle  stock.  The Company  also  agrees to  purchase  and keep in force
     $1,000,000 in life insurance on each Executive.

1.02 The Agreement contemplated, and states, that the purpose for Pinnacle is to
     engage in the real estate investment and loan businesses. The Company never
     acquired the  resources  necessary to engage in the real estate  investment
     business.  Pinnacle,  however,  conducted an active title loan business. In
     1998 and 1999, laws were enacted that virtually  eliminated the possibility
     of a profitable title loan business, through no fault of the Executives.

1.03 The Company was not able to pay the Executives their full compensation,  in
     cash or in stock. Each Executive was paid $55,000 in 1997; $65,464 in 1998,
     and  $61,728  in  1999.  The  Company  did not  perform  the  terms  of the
     agreement.  Among others,  it never adopted the incentive stock option plan
     nor did it purchase life insurance on the Executives.

1.04 The Executives  performed  beyond the terms of the Agreement by researching
     and developing a new line of business a "payday deferred deposit  services"
     business  ("PayCheck").  Further, the Executives negotiated a contract with
     Mail Boxes Etc.,  USA,  Inc.  to use their MBE Centers  (defined in the MBE
     agreement) as a distribution  system for the PayCheck  business.  This is a
     promising new line of business.

1.05 Pinnacle stock has traded on the Over the Counter Bulletin Board. Effective
     March 9, 2000, a new rule will take effect,  effectively delisting Pinnacle
     stock. The stock price, presently around $.12 per share is expected to fall
     since there will be no market for the stock.  The executives  have caused a
     Form 10 to be drafted and filed.  Further,  the  Executives are seeking out
     and investigating  other companies as possible merger candidates.  A merger
     might  provide  an  entry  into  the  Securities  and  Exchange  Commission
     disclosure system, enabling relisting of the Company's stock. It might also
     provide liquidity to the Company.  Possible merger partners,  however,  are
     unwilling  to  consider   companies   with   contingent   or   unliquidated
     liabilities.

1.06 The  Company  and the  Executives  agree  that the  Agreement  has not been
     performed in accordance  with its terms.  The Executives may have claims in
     litigation against the Company. The Executives, however, both served on the
     Board of Directors of the Company and it is impossible to ascertain to what
     extent the  Executives  had any control or power to affect the decisions of
     the  Company.  Nevertheless,  this  situation  could  create  a  contingent
     liability that would make merging with Pinnacle unattractive.


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1.07 In addition, this is a critical juncture in the history of the Company. The
     MBE Agreement offers enormous potential, but the financial condition of the
     Company is very  serious.  The Company  has  incurred a great deal of debt.
     Further, the income of the business has been invested in the implementation
     of the PayCheck line of business.  This  business is technology  and people
     intensive,  but the  Company  has not  acquired  hard  assets that could be
     liquidated  and  distributed  to  investors.  As a  result,  the  Company's
     creditors  and  investors  are  unlikely  to  receive a yield,  unless  the
     Executives  stay with the  business  and  continue to develop the  PayCheck
     business.  The Executives  could leave,  on the basis that the terms of the
     Agreement have been breached.

1.08 Therefore,  the  Company  and  the  Executives  seek  to  enter  into  this
     agreement,  to document the terms of their agreement, to make provision for
     payment,  and release all claims  realized or unrealized,  arising from the
     Agreement, under the terms and conditions set forth herein.


                                   ARTICLE II

                                 ISSUE OF STOCK

2.01 The Company agrees to issue to Turino and Hall 27,500,000 shares of Company
     stock each.  The shares are  restricted  stock under the terms of Rule 144,
     issued under Rule 506,  Regulation D, promulgated  under the Securities Act
     of 1933 ("Shares").  The Executives  understand that transfer of the Shares
     is  restricted  for two  years  and  agree  that  the  Shares  will  not be
     registered  for  offering  during  the first  year  "lock-up  period."  The
     Executives  acknowledge  that the book  value of the  Shares  is  currently
     negative  and that  there is no market  for the  stock,  nor  ascertainable
     value.


                                   ARTICLE III

                                     RELEASE

     NOW  THEREFORE,  for and in consideration of the premises hereof, the above
recitals  and other good and valuable consideration, the receipt and sufficiency
of  all  of  which is hereby expressly acknowledged, the parties hereto agree as
follows:

3.01 Upon  receipt  of the  Shares,  the  Executives  waive any right  under the
     Agreement to compensation, bonuses, and stock options earned before January
     1, 2000. Turino and Hall hereby agree and acknowledge that,  effective upon
     receipt of the shares of stock referred to in paragraph 2.01,  there are no
     existing  claims or defenses,  personal or otherwise,  or rights of setoff,
     deferred  compensation in cash or stock. The Executives further release any
     claim arising with respect to this Release, the Shares or to the Agreement.
     The  Executives  each  for  himself,   and  his  respective   predecessors,
     successors,  and  assigns,  his  employees,  agents and  servants,  and all
     persons,  natural or corporate,  in privity with them or any of them,  from
     any and all  claims or causes of action of any kind  whatsoever,  at common
     law, statutory or otherwise,  which the Executives,  or either of them, has
     now or might have in the future,  known or unknown,  now  existing or which
     might  arise  hereafter,   directly  or  indirectly   attributable  to  the
     performance of the Agreement before the date of this Release.

3.02 Upon  execution of this  agreement,  the Company  hereby waives any and all
     claims  known or unknown  against  Turino and Hall  arising with respect to
     this  Release,  the Shares,  or to the  Agreement.  This release  binds the
     Company's affiliates, predecessors, successors, and assigns, his employees,
     agents and servants, and all persons,  natural or corporate in privity with
     them or any of them.

3.03 It is expressly understood and agreed that the terms hereof are contractual
     and not merely recitals,  and that the agreements  herein contained and the
     consideration herein transferred is to compromise doubtful claims, and that
     no  releases  made or other  consideration  given  hereby or in  connection
     herewith shall be construed as an admission of liability. Each party hereto
     represents and warrants that the consideration to each of them for entering
     into this Release and the  transactions  contemplated  hereby is sufficient
     and equal to the value of all claims, demands, actions and causes of action


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     herein relinquished,  released, renounced,  abandoned, acquitted, waived or
     discharged,  and that this Release is in full settlement,  satisfaction and
     discharge  of any and all such  claims,  demands,  actions,  and  causes of
     action that such party may have or be entitled to against the Company,  its
     affiliates,   predecessors,   assigns,  legal  representatives,   officers,
     directors, employees, attorneys and agents.

3.04 The  Executives  each  represents  and  warrants  that he has all power and
     authority to enter into, execute and deliver this Release,  all proceedings
     required to be taken to authorize the execution,  delivery and  performance
     of this release and the agreements and undertakings relating hereto and the
     transactions  contemplated  hereby have been validly and properly taken and
     this  Release  constitutes  a valid and  binding  obligation  of each party
     hereto in the capacity in which executed.  Each party further  respectively
     represents  and warrants that it enters into this Release freely of its own
     accord without reliance on any representations of any kind or character not
     set forth  herein.  Each party  enters into this release upon the advice of
     and in  concurrence  with  its  own  legal  counsel,  and  the  Company  is
     represented by separate legal counsel from that of either Executive.


                                   ARTICLE IV

                      AMENDMENT OF THE EMPLOYMENT AGREEMENT

4.01 The  Executives  agree  to  continue  employment  under  the  terms  of the
     Agreement until 2002 as if no breach of the Agreement occurred.

4.02 The Agreement is hereby amended.  All provisions creating stock options and
     the promise of the Company to adopt an  incentive  stock  option as part of
     the Agreement is deleted. All references to compensation due the Executives
     before  January  1, 2000 is  deleted.  The  Company  acknowledges  that the
     compensation  paid the  Executives was duly earned and paid. The Executives
     waive the right to any further deferred  compensation earned before January
     1, 2000 under the terms of the Agreement.

4.03 The Company still intends to purchase life insurance on the Executives. The
     Executives  agree that the Company is required to purchase  insurance  only
     after the Company has a positive Total Assets,  Net Assets, and Net Income.
     All other  provisions  of the Agreement  still apply,  and will continue to
     apply throughout the remainder of the Agreement's term.


                                    ARTICLE V

                            MISCELLANEOUS PROVISIONS

5.01 No change in or additions to this  agreement  may be made,  and  compliance
     with any  covenant  or  provision  herein or  therein  set forth may not be
     omitted or waived, unless the parties shall so agree in writing.

5.02 All representations and warranties made in this agreement shall survive the
     execution hereof and delivery of the Shares.

5.03 The invalidity or  unenforceability of any provision hereof shall in no way
     affect the validity or enforceability of any other provision.


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IN  WITNESS  WHEREOF,  the  undersigned  Parties  have  signed  this  agreement,
continuing  this  page,  and     pages preceding, effective on the year and date
                             ---
first  above  written.


PINNACLE  BUSINESS  MANAGEMENT,  INC.




By: /s/  Bruce  Hall
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Bruce  Hall,  President




/s/  Jeffrey  G.  Turino
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Jeffrey  G.  Turino

The  spouse  acknowledges that this Agreement contains terms which may alter her
rights  as  provided  by  Florida  law.



Spouse:  /s/  Mary  Turino
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/s/  Michael  Bruce  Hall
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Michael  Bruce  Hall

The  spouse  acknowledges that this Agreement contains terms which may alter her
rights  as  provided  by  Florida  law.




Spouse:  /s/  Jackie  Lynn  Hall
----------------------------------


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