Document is copied.
                                                                   EXHIBIT  10.1



                                NATIONAL ACCOUNTS


                             Business Communications




                                  Prepared for:

                          PINNACLE BUSINESS MANAGEMENT


<PAGE>
                                                            CONFIDENTIAL PRICING

                                 MAIL BOXES ETC.
                   NATIONAL ACCOUNTS - BUSINESS COMMUNICATIONS
                              TERMS AND CONDITIONS


NATIONAL  ACCOUNTS  PROGRAM  SET-UP  FEE

$40,000  Total
-     Due  upon  contract  execution
-     20,000  initial  set  up  fee
-     20,000  exclusivity  for  18  months  from  date  contract  is  executed

FLAT  FEE  PER  TRANSACTION

$5.00  Total  per  each  transaction  paid  to  MBE
(MBE  distributes  $3.50 to MBE Center and keeps $1.50 as an administrative fee)
-     All  transactions  will  be  paid  whether  payday advance is approved for
      customer  or  not.
-     Only  a  fully  completed  transaction shall be considered a true billable
      transaction.
If  any  part  of the transaction is not completed, NAC does not have to pay for
transaction.

MONTHLY  SYSTEM  MAINTENANCE  AND  SUPPORT  FEE:

-     Fee  to  maintain  National  Accounts  Program throughout the MBE network,
      administration  of  reporting, billing, transaction analysis,  help  desk,
      monthly locator  disk  subscription,  and  new  Center  training:
-     Administrative  flat  fee  of  $1.50 of each transaction begins with first
      transaction  (out  of  $5.00  transaction)
-     Administrative  fee  of  10% will be applied only to products and services
      outside  of  the  flat  fee  transaction  that  may be incurred and  added
      to the monthly  billing.
-     Total  billing is based on the monthly reporting of MBE Center charges for
      services  rendered
-     Minimum  monthly  administrative  fees  must  not  fall below $450 will be
      charged  in  lieu  of $1.50 administrative  fee.   This  minimum  will  be
      waived for the  first  90  days  of  program.

CONDITIONS

-     Rates  apply  to  volunteer  MBE  Centers  only
-     Rates  do  not  include  local  sales/use  taxes
-     Rates  are  based on current schedules in effect and are subject to change
-     Other  terms  and  conditions  may  apply.


                             Exhibit A - Page 1 of 2
<PAGE>
                                 MAIL BOXES ETC.
                   NATIONAL ACCOUNTS - BUSINESS COMMUNICATIONS
                             PINNACLE SERVICE RATES


PRODUCT/SERVICE          DESCRIPTION           NAC PRICE

FLAT FEE:
     1 transaction       allocated to Center   $     3.50
     Administrative Fee  allocated to MBE      $     1.50
     Total                                     $     5.00



SERVICES  TO  BE  PROVIDED  IN  ONE  (1)  TRANSACTION  INCLUDE:
     Copy  driver  license  &  check  and  pay  stub  on  one  page
     Copy  phone  bill  &  bank  statement  on  one  page
     One  application  to  be  filled  out  by  customer
     Send  3  pages  via  fax  of  above  named  documents  to  Pinnacle
     Receive  1  page  fax  with  approval  or  disapproval  for  customer
     Hand  customer  ATM  card  or  disapproval  card
     Keep a copy of all paperwork on file at the MBE Center for no more than  6
     Months from  transactions  date.

SERVICES  THAT  MAY  ALSO  BE  REQUIRED THAT ARE NOT INCLUDED IN FLAT FEE PRICE:
     Pinnacle  can  request  original  documents  of any  customer's information
     To  be  forwarded   to  them  within   the  above  referenced   six   month
     period.  Rates  for  those  services  are  listed  below  and  are  subject
     to  change.

PACKAGING  MATERIALS                              Attached  Contracted  Rates

POSTAL  SERVICES:
     Single  Stamp                                $ .36
     Return  Receipt                              $1.65
     Certified  Mail                              $1.95

SHIPPING  SERVICES:

     Via  UPS  on  MBE  Center's  Account  #   Attached  Contracted Rates
     Via FedEx on  MBE  Center's  Account  #   10% discount on MBE Centers Full
                                               Retail  Rate.
     Via  UPS  or FedEx on NAC Clients Account or Shipper     $5.00 Handling Fee
                               per  parcel  $2.00  Handling  Fee  per  document.
DECLARED  VALUE:

     Via  UPS  on  MBE Center's Account #     $.55 per $100 unit (first $100 no
                                              charge)
     Via FedEx on  MBE Center's Account #     10% discount on MBE Centers Full
                                              Retail  Rate.

OTHER  SERVICES/PRODUCTS:                         Locally  Priced


                             Exhibit A- Page 2 of 2
<PAGE>
                           NATIONAL ACCOUNT AGREEMENT

                                     GENERAL

     This  Agreement for various services is made by and between Mail Boxes Etc.
USA,  Inc.  ("MBE"),  a  California  Corporation,  having its principal place of
business  at  6060 Cornerstone Court West, San Diego, California 92121-3795; and
Pinnacle  Business  Management,  Inc.,  a  Florida corporation and Fast PayCheck
Advance,  Inc.,  a  Florida Corporation (collectively National Account Client or
"NAC")  located  at  the  address  designated in this Agreement and is made with
reference  to  the  following:

1.   SERVICES  AND  TERM

     MBE  is  a  franchisor  of  retail  outlets ("MBE Centers") which provide a
variety  of  postal,  business  and communication services to businesses and the
general  public.  Through  this  Agreement,  NAC  or NAC's designees will access
participating MBE Centers for various services ("Services") in certain states in
the  United  States in which NAC is doing business, under the terms set forth in
Exhibit  A.  The  term  of this Agreement will begin on the date of execution by
MBE  below and will remain in force for thirty-six (36) months unless terminated
as  set  forth  herein,  or  as  otherwise  provided  for  in  Exhibit  A.

     MBE  and  NAC agree to begin negotiating a renewal of the initial agreement
within six (6) months of the end of the thirty-six (36) month term.  The renewal
will  be  on  terms  and  conditions mutually acceptable to the parties.  If the
parties  agree  to  renew  the  agreement, the renewal fee shall be ten thousand
dollars ($10,000) for the first eighteen (18) month renewal period.  If MBE does
not  renew  the  NAC  Agreement  after  thirty-six (36) months, MBE shall not be
entitled  to  any  further  compensation  not  earned  before  expiration of the
Agreement  under  the  assignment  of  compensation  from  Gordon and Associates
Strategic  Investments, Inc. to MBE attached hereto as Exhibit C ("Assignment").
If  this Agreement is renewed, NAC shall continue to pay to MBE the compensation
set  forth  in  the  Assignment.

     NAC  shall  not  accept transactions on the Internet or telephonically from
customers  who  previously  applied  for  NAC's  services  through an MBE Center
("Existing  Customers") without compensating MBE and MBE Franchises the flat fee
as set forth in Exhibit A.  If NAC does accept new loans from Existing Customers
from  the  Internet or telephonically, NAC shall notify MBE of such transactions
and  pay  MBE Center where the Existing Customer most recently applied for NAC's
services  so  that  MBE  can  credit  such  franchisee  its  share  of  the fee.

2.   EXCLUSIVITY
     -----------

     NAC  shall  pay  to  MBE  a  non-refundable amount equal to twenty thousand
dollars  ($20,000) as consideration for the exclusivity rights set forth in this
section.  Such  payment shall be due and payable upon execution of the Agreement
and  shall  be  deemed  fully  earned  when paid.  For a period of eighteen (18)


<PAGE>
months  after  NAC is approved by MBE for a particular state (not to extend past
the  thirty-six  month  term  of  this  Agreement),  MBE will not enter into any
National  Account  Agreement  with  any  other  payroll advance business for any
purpose similar to this Agreement for such state.  Notwithstanding the above, if
any  state in which NAC is doing business has less than ten (10) MBE Centers who
have  participated in this NAC program, which are doing has less than a total of
two  hundred  fifty  (250) transactions per month, after six (6) months from the
date  that  NAC  begins  operations in such state, the exclusivity provision for
that  state  shall  be  void  and  of  no  further  effect  at  such time.  This
Exclusivity  provision  shall  not  survive  expiration  or  termination of this
Agreement.  This  Exclusivity  provision does not impose an obligation on MBE to
approve this NAC program for any particular state.  This exclusivity shall in no
way  limit  or  preclude MBE from entering into similar payroll advance programs
with  any  other  entity  in  those states where NAC either does not have retail
operations  open  and doing business, or is not diligently pursuing governmental
approval  for  its  payroll advance services (and NAC has advised MBE in writing
that  it  is  pursuing  governmental  approval  in  such  state).

     After  the  initial eighteen (18) month exclusivity period, if MBE signs an
agreement  with  any  other  pay day advance company and such agreement provides
that MBE Centers shall offer substantially similar services as those provided to
NAC  hereunder, MBE franchisee territory, which is identified in MBE's franchise
agreement  with  participating  MBE  Centers.

     Neither  NAC nor any of its subsidiaries or affiliates may, during the term
of  this  agreement, offer any payroll advance business or allow any third party
to  complete  a  pay  day advance transaction with any other company or business
within  any  MBE  franchisee  territory,  which is identified in MBE's franchise
agreement  with  participating  MBE  Centers.

3.   FEES  AND  BILLING

     NAC  agrees  to pay MBE the fees set  forth in the  attached  Exhibit A for
     Services  rendered  by MBE and MBE  Centers.  MBE  reserves  the  right  to
     reasonably increase prices (based upon an increase in providing products or
     services) upon thirty (30) days written notice.  On or before the twentieth
     (20th)  business  day of each month,  MBE agrees to prepare and transmit to
     NAC a completed NAC billing  summary for the previous  month's  activities.
     MBE reserves the right to change to a bi-monthly billing cycle upon 30 days
     written  notice to NAC.  Terms of payment  are net 15 days from the billing
     date.

     NAC shall  provide  MBE a monthly  accounting  of  transactions  completed,
     amounts owed to MBE and MBE Centers by NAC.

4.   LIMITATION  OF  LIABILITY


<PAGE>
     Neither  MBE  nor  MBE  Center  will  be  liable  for  any   consequential,
     incidental,  or  punitive  damages,  or any loss or damage  resulting  from
     delays in shipping or delivery, which are beyond the control or without the
     fault of MBE or MBE Center.

     NAC  agrees  to assume all liability for any loss or damage from any reason
or source whatsoever to equipment or other items supplied to the MBE Centers for
use  in  this  program and agrees to maintain adequate property damage and other
insurance  to  adequately  protect  the  interest  of  NAC,  NAC  Customers, NAC
Employees,  MBE,  and  its  franchisees.


5.   NAC  TOLL  FREE  NUMBER  OBLIGATION

     NAC agrees to provide a toll free telephone number for MBE Center personnel
and  NAC  customers  and/or  employees  to  answer  questions about the services
offered  by  NAC  along  with  an  adequate  number of telephones and operators.

6.   NAC  REPRESENTATIONS  AND  WARRANTIES

A.   NAC  shall  comply  with  all  laws,  regulations,   rules  and  any  other
     governmental  requirements regarding the sale, distribution and advertising
     of its products and services and the performance of this Agreement.

B.   NAC will provide to MBE a separate statement  ("Statement") for every state
     in which this  Agreement  applies.  Such  Statement will state that NAC has
     reviewed  any  and  all  applicable  state,  federal,  or  local  laws  and
     regulations  regarding the services  provided  pursuant to this  Agreement.
     Based  upon  that  review,  NAC  will  notify  MBE of any  requirements  of
     participating  MBE Centers,  such as licensing or "posting" of signs on the
     premises  for  such  MBE  Centers  to  participate  in  this  program.  NAC
     represents and warrants that the Statement will set forth any and all legal
     requirements of participating MBE Centers relating to providing any service
     pursuant to this Agreement. NAC agrees to pay for all applicable government
     imposed fees,  including licensing fees, for each participating MBE Center.
     NAC's  obligations  under this provision  will be ongoing,  and NAC will be
     obligated to revise the  Statements  upon any change in applicable  laws or
     regulations.  Payroll advances with any customer pursuant to this Agreement
     shall not exceed seven hundred fifty dollars ($750) per transaction.

7.   STATEMENT  OF  LEGAL  OPINION

     Prior  to  being  approved  by MBE for  MBE  Centers  participation  in any
     particular  state,  NAC shall  provide to MBE a legal  opinion at NAC' sole
     expense by Ed Kagan,  Esq. or a mutually agreed upon licensed  attorney who
     is not an employee of NAC which states that the  attorney  has  researched,
     analyzed and reviewed the Statement  referenced in the prior  section,  and
     that in the attorney's  professional  opinion the Statement is accurate and
     complete, and that MBE and  any  participating MBE Centers can rely on such
     opinion in participating in this program.


<PAGE>
8.   MARKETING  MATERIALS

     NAC agrees to design and deliver at NAC's expense, in sufficient quantities
to  supply to the MBE Network for any applicable state, promotional and training
brochures  and  other  marketing  materials  customized  to  the  MBE Network as
reasonably requested by MBE.  Additionally, NAC agrees to produce and distribute
to  participating  MBE  franchisees  at  its sole expense a training video.  All
marketing  materials must be approved in writing by MBE prior to distribution to
the  MBE  Network.  All  such marketing materials or other materials produced by
NAC  for  the  MBE  Network  or  their customers must state prominently that the
services  are  being  supplied  by  NAC.  NAC  further  agrees  that  it will be
responsible  for  any  and all customer service or customer satisfaction issues.

     NAC  shall  not  use  MBE's  name,  logo or other trademarks for any of its
marketing  materials without the express written approval of MBE, which approval
shall  be  as  the  sole  discretion  of MBE.  NAC may, with MBE express written
approval  and  subject  to MBE's standard Hyperlink Agreement, use an MBE Center
locator  on  its  Web site that shows the location of participating MBE Centers.
Under no circumstances shall NAC indicate or imply the MBE or any MBE franchisee
or  affiliate  is  part of or affiliated with NAC or approves or recommends NAC.

9.   INSURANCE

     During  the  term  of  this  Agreement,  NAC  shall maintain, at NAC's sole
expense,  the  types  and  amounts of insurance as may be required to adequately
protect the interests of MBE and its franchisees, issued by a company acceptable
to  MBE.

Such  business  owner's  insurance  policy  shall  include,  at  a  minimum, the
following:

a.   Comprehensive general liability (including products liability) and all risk
     coverage  insurance,  with limits per occurrence of $4,000,000 as to bodily
     injury and general liability, and $500,000 as to property damage; and
b.   Crime  coverage,  including  employee  dishonesty  (which coverage will not
     include crime or employee  dishonesty  involving employees of MBE Centers),
     with limits per occurrence of $25,000.

     The  policy  shall  contain an additional insured endorsement such that MBE
and  participating  MBE  franchisees  are  named  as additional insureds and are
provided  the same coverage as the named insured, including the cost of defense,
against  any  claim  arising  out  of or related to this NAC program.  The named
insured's  coverage  is  primary  and  shall  not  require contribution from the
additional  insured's  insurance  coverage,  unless the claim is determined by a
court of competent jurisdiction to have arisen from the sole or gross negligence
or the willful misconduct of an additional insured.  The parties understand that
the  specified coverage or limits of insurance in no way limits the liability of
NAC.


<PAGE>
     Within  fifteen  (15) days of executing this Agreement, NAC shall submit to
MBE  a  certificate  of  such  insurance, describing and confirming the required
coverage set forth above, each of which shall contain a statement by the insurer
that  the  policy  shall  not be canceled or materially altered without at least
thirty  (30)  days prior written notice to MBE.  If NAC fails to comply with the
insurance  requirements  herein,  MBE  may, but is not obligated to, obtain such
insurance  and  keep  the  same  in  force and effect, and NAC shall pay MBE, on
demand,  the  cost  thereof.  MBE  reserves the right to review and revise these
insurance  requirements  on  an  annual  basis,  or  when circumstances warrant.

10.  WAIVER  OF  SUBROGATION

     NAC  shall  waive any and every claim (whether in contract or in tort) that
arises  or  may arise in its favor for any and all loss of, or damage to, any of
its property, including the loss of payroll disbursements, if the loss or damage
is  covered under NAC's valid insurance policies.  NAC's waiver shall be limited
to  the  extent that the loss or damage is covered under its insurance policies.
NAC's  waiver  shall  be in addition to, and not in limitation or derogation of,
any  other  right of MBE contained in this Agreement with respect to any loss or
damage  to  property  of  NAC.

     NAC  hereby  agrees  to  immediately provide written notice of the terms of
this  waiver  of  subrogation to its insurance company from whom it is procuring
applicable  insurance  policies.  Also, NAC hereby agrees to immediately provide
written  notice to its insurance company, instructing the company, if necessary,
to  properly  endorse  the  applicable  insurance  policies so as to prevent the
invalidation  of its policies due to the waiver of subrogation agreed to in this
Section.

11.  INDEMNIFICATION

     NAC  hereby  agrees  to  indemnify  and  hold harmless MBE, its affiliates,
subsidiaries,  franchisees,  officers,  directors,  agents  and  employees
("Indemnities")  from  and against any and all acts or omissions in carrying out
obligations  under  the  NAC business activities, including acts or omissions in
carrying  out  obligations  under  the  NAC  program or any breach by NAC of any
terms,  covenants,  conditions, warranties or representations in this Agreement.
This  indemnification  shall  include but shall not be limited to, any claims by
customers,  governmental  agencies  or  others relating to or arising out of the
services  provided  by NAC or the MBE  Centers in furtherance of this Agreement.

     MBE  has entered into contracts with those MBE Centers participating in the
NAC  program  whereby  MBE Centers agree to indemnify and hold NAC harmless from
and  against any and all claims, liabilities, losses, judgments or costs arising
out  of  the  MBE  Centers' negligence in carrying out obligations under the NAC


<PAGE>
program.  Notwithstanding  the  above,  MBE  Centers  shall  have  no  liability
whatsoever  for  verifying the identification of customers, nor will MBE Centers
have  any  liability  for negligently hanging over sums to the customer (whether
through  an  ATM  card  or  other  form).

     Each  MBE  franchise  is an independently owned and operated franchise and,
while  MBE imposes certain operating requirements on its franchisees through its
franchise  agreements  and  operating  manuals,  MBE cannot directly control the
day-to-day  operations  of  its  independent  franchisees.  NAC acknowledges and
agrees  that  MBE  is not responsible or liable for any acts or omissions of its
franchisees.

12.  TAXES

     NAC  agrees  that  it  will  be  responsible for any and all taxes based on
packaging,  shipping, storage of items and any other goods and services provided
for  in  this  Agreement  including,  but not limited to, sales, use, excise, or
similar  tax  whether  by  federal,  state, county, municipal, local, or similar
authority.

13.  RIGHT  TO  AUDIT

     NAC  has  the  right,  upon  thirty  (30) days advance written notice MBE's
National  Accounts  Department  and  any  participating  MBE  Center, to have an
examination  and  audit  made  of  the  MBE Center's financial books and records
relating  to this NAC program.  MBE has the right, upon thirty (30) days written
advance  notice  to  NAC,  to  have  an  examination and audit made of the NAC's
financial  books  and  records  relating  to  this  NAC  program.

14.  TRADEMARK  PROTECTIONS

     The  trademarks,  tradenames,  service  marks,  and  logos  of MBE, and its
franchisees,  together  with the goodwill appurtenant thereto, are the exclusive
property  of MBE, and nothing contained herein confers upon NAC any right to use
such trademarks without the prior written approval of MBE.  All public relations
releases  and  any public announcements shall be approved by each party prior to
any  release.

15.  TERMINATION

FOR  CAUSE:

     If  either party is in default as to any obligation or covenant herein and,
within  thirty  (30)  days  after  delivery  of  written  notice of such default
specifying  the  nature  thereof,  fails  to remedy the same, this Agreement may
thereupon  be  terminated  by  the  notifying  party;  and  such  termination is
effective  upon  such  delivery.  Cause for termination shall include failure of
NAC  to  fulfill  its obligations under the Assignment.  Additionally, if either
party  becomes  insolvent  or  bankrupt,  the  other  party  may  terminate this
Agreement  by  giving  ten (10) days written notice, or a shorter time period as
circumstances  warrant.  In  the even of termination, this Agreement will remain
fully  applicable  to  any  services  performed  prior  to the effective date of
termination.


<PAGE>
16.  MBE  CENTER  PARTICIPATION

     During  the  term  of  this agreement, MBE reserves the right to reasonably
increase  or  decrease  the  number  of  MBE  Centers  participating in this NAC
program.  NAC  agrees  that  during  the term of this Agreement it will use only
those  MBE  Centers designated by MBE to contract for and obtain services of the
type  specified herein.  MBE Centers are not required to participate in this NAC
program;  its  is  purely  voluntary.

     NAC  also agrees that during the term of this Agreement and for a period of
one (1) year thereafter it will not enter into any agreement with MBE Centers or
ex-franchisees  of  MBE  for  the  purpose  of establishing national or regional
distribution  of services of the type specified herein without the prior written
approval  of  MBE.

17.  CONFIDENTIALITY

     NAC  and  MBE  each  agree  to  preserve  in  strict confidence any list of
participating  MBE  Centers,  or  NAC  customer  lists,  work  orders,  or other
information  designated as confidential by MBE or NAC and agrees to refrain from
disclosing  such  information  without  the express written consent of the other
party.  Each  party  agrees  to  promptly  return  to  the  other party all such
information  and  any  copies  or reproductions thereof upon termination of this
Agreement.

     The  confidentiality  referenced herein does not include any information of
its  owner  that  (i)  is  already  known  to  the  other  party  at time of its
disclosure;  (ii)  is  or  becomes publicly known through no wrongful act of the
disclosing  party;  (iii)  is communicated to a third party with express written
consent  of  its  owner  and  without  a  duty  of  confidentiality;  (iv)  is
independently  developed;  or  (v)  is  lawfully required to be disclosed to any
governmental  agency  or  is otherwise required to be disclosed by law, provided
that  before  making such disclosure the disclosing party shall immediately give
the other party written notice and an adequate opportunity to raise an objection
or  take  action  to  assure  confidential  handling  of  such  information.

18.  REQUIREMENTS  OF  NOTICE

     All  notices and other communications permitted or required to be delivered
by  the  provisions of this Agreement shall be deemed delivered; (a) at the time
personally  delivered  to  MBE or NAC ; (b) on the next day after placing in the
hands  of  a  commercial courier service or the United States Postal Service for
next day delivery; or (c) five days after placement in the United States Mail by
Certified  Mail,  Return  Receipt  Requested, postage prepaid, or on the date of
actual  receipt,  whichever is earlier.  Notice shall be addressed to NAC at the
address  on  the  signature  page  of  this  Agreement,  or  MBE  as  follows:


<PAGE>
To MBE at: Mail  Boxes  Etc.  USA,  inc.
           6060  Cornerstone  Court  West
           San  Diego,  CA  92121
           Attn:  Director  of  National  Accounts

           With  a  copy  to:

           MBE  Legal  Department

               And

To NAC:    Pinnacle  Business  Management
           2963  Gulf  Two  Bay,  Suite  265
           Clearwater,  FL  33759
           Attn:  Michael  Bruce  Hall

19.  NO  PARTNERSHIP  CREATED

     It  is  the  express intention of the parties hereto that no partnership is
created  as  a result of this Agreement,  that neither party is the agent, legal
representative,  franchise  or employee of the other for any purpose whatsoever,
and that neither party is granted any right or authority to assume or create any
obligation  for  or  on  behalf of, or in the name of, or in any way to bind the
other  party.  Each party agrees not to incur or contract any debt or obligation
on  behalf  of  the  other  party  or commit any act, make any representation or
advertise  in any manner which may adversely affect any right of the other party
or  be  detrimental  to  its  good  name  and  reputation.

20.  ATTORNEYS'  FEES

     In  the  event  either party is required to employ attorneys to enforce the
provisions  of this Agreement, as part of any judgment entered hereon, the court
will  award  the  prevailing  party  reasonable  attorneys'  fees.

21.  NO  WAIVER

     No  delay  or omission on the party of either party in exercising any right
under  this Agreement will operate as a waiver of any such right or of any other
right.  Waiver  on  any one occasion will not be construed as a bar to or waiver
of  any  such  right  or  remedy  on  any  future  occasion.

22.  NO  ASSIGNMENTS  ALLOWED

     NAC  agrees  not  to  assign  its  rights or delegate its accountability or
liability  under  this  Agreement  without  the  prior  written  consent to MBE.

23.  COUNTERPARTS


<PAGE>
     This  Agreement  may be signed in counterparts; each will be deemed a fully
signed  original.

24.  GOVERNING  LAW  AND  VENUE

     This  Agreement  will be construed under and will be deemed governed by the
laws  of  the  State  of  California.  The parties hereby consent and agree that
venue  and  jurisdiction  for  all  actions enforcing and/or arising out of this
Agreement  will  be  state or federal courts in the City of San Diego, County of
San  Diego,  State  of California, U.S.A., to the exclusion of the courts of any
other  State  or  County.

25.  ENTIRE  AGREEMENT/OTHER  AGREEMENT

     This  Agreement  sets  forth  the  entire  understanding  of the parties in
connection  with  the  subject  matter hereof.  No party has made any statement,
representation  or warranty in connection herewith except as expressly set forth
herein.  This  Agreement  shall  be  effective  only  upon  the execution of the
Assignment.

MAIL  BOXES  ETC.  USA,  INC.               Fast  PayCheck  Advance,  Inc.
a  California  Corporation                  Pinnacle Business Management, Inc.
                                            NATIONAL  ACCOUNT  CLIENT



By:  /s/                                    By:  /s/  Michael  Bruce  Hall
   ---------------------------------           ------------------------------
     Thomas  K.  Herskowitz                             Signature
     Executive  Vice  President

Date:      9-24-99                              Michael Bruce Hall, President
       -------------------------------          -----------------------------
                                                     Name  and  Title

                                                2963 Gulf To Bay, Suite 265
                                                Clearwater,  FL  33759

                                                Tel.  No.  727-669-7781
                                                Fax  No.  727-669-5912

                                   EXHIBIT "A"
                       COMPENSATION FOR SERVICES RENDERED

1.   Gordon shall receive the following  compensation  upon the  introduction of
     Pinnacle to Mailboxes Etc.

     If  an  agreement  in  principle or a National Account signing occurs, then
50,000  registered,  free  trading  shares  of  common stock of Pinnacle will be
delivered  to  Gordon  and  Gordon's nominees for services rendered and expenses
incurred within twenty-four (24) hours ("Initial Remuneration").  If the parties
fail to reach an agreement or sign a National Account then Pinnacle will pay the
expenses  incurred  by  Gordon  relating  to  this  proposed  business  venture.

2.   Gordon  shall  receive the  following  compensation  upon the  execution by
     Pinnacle and Mailboxes of a National Account:

     5,000,000  registered shares of the common stock of Pinnacle.  Upon signing
     the National Account,  Pinnacle will within twenty-four (24) hours instruct
     the transfer  agent to deliver  2,500,000  shares of common stock to Gordon
     and its nominees.  With respect to the remaining 2,500,000 shares of common
     stock herein. Pinnacle will expeditiously have these shares authorized, and
     upon  authorization,  Pinnacle will within  twenty-four (24) hours instruct
     the transfer  agent to deliver  these  2,500,000  shares of common stock to
     Gordon and its nominees.  Immediately following the execution of a National
     Account.  Pinnacle will expeditiously  commence taking all necessary action
     to register these  5,000,000  shares of common stock and will inform Gordon
     of its efforts and the status of the  registration  statement,  on a timely
     basis and at least twice monthly.

3.   Gordon shall receive the following  compensation based upon the performance
     of the Pinnacle/Mailboxes venture. This compensation shall e in the form of
     stock options, exercisable at $25 per share or 30% of the closing bid price
     on the date the options are exercised, whichever is less.


<PAGE>
<TABLE>
<CAPTION>
                  1st        2nd       3rd        4th         5th         6th          7th        8th
                 option    option     option     option      option      option      option      option
               ---------  ---------  ---------  ---------  ----------  ----------  ----------  ----------
<S>            <C>        <C>        <C>        <C>        <C>         <C>         <C>         <C>

Location              50         50         50         50          50          50          50          50
open
Total                           100        150        200         250         300         350         400

Stock          2,559,903  2,559,903  2,000,000  2,000,000   3,550,893   3,550,893   3,550,893   3,550,893
Options
Total          2,559,903  7,119,806  7,119,806  9,119,806  12,670,499  16,221,192  19,771,885  23,322,578
</TABLE>


<PAGE>
The  options  set  forth  above  are  to  be  received assuming that Pinnacle is
authorized  by  Mailboxes  to  pen  at  least  400  locations.  If less than 400
locations are authorized, the options shall be received and distributed on a pro
rata basis for the number of locations actual approved.  All option shares shall
be  registered  and  freely  tradable.

4.   Gordon shall  receive the  following  bonus  options  which are intended to
     reflect the perceived  appreciation due to the consulting  services brought
     to Pinnacle by Gordon.

     If the closing  price of the common stock is equal to or greater than $1.00
     per share for 30 consecutive days,  Pinnacle will issue 1,500,000 shares to
     Gordon within seven (7) days of such event (the "$1.00 Options").

     If the closing  price of the common stock is equal to or greater than $2.00
     per share for 30 consecutive  days,  Pinnacle will issue in addition to the
     $1.00  option,  2,500,000  shares to Gordon  within  seven (7) days of such
     event (the "$2.00 Options").

     If the closing  price of the common stock is equal to or greater than $2.75
     per share for 30 consecutive  days,  Pinnacle will issue in addition to the
     $1.00 Options and $2.00  Options,  3,000,000  shares to Gordon within seven
     (7) days of such event (the "$2.75 Options").

     If the closing  price of the common stock is equal to or greater than $5.00
     per share for 30 consecutive  days,  Pinnacle will issue in addition to the
     $1.00 Options,  $2.00 Options,  and the $2.75 Options,  5,500,000 shares to
     Gordon within seven (7) days of such event (the "$2.00 Options").

     The bonus  options  shall be deemed earned at such time as the stock prices
     set  forth  in  paragraph  4 are  achieved,  regardless  of the  number  of
     locations opened per paragraph 3.

     It is the intent of the parties that all shares of common stock,  including
     shares to be issued pursuant to options,  issued under this  Agreement,  be
     freely  tradable,  registered  shares and Pinnacle will use best efforts to
     ensure that all shares are registered without delay.


<PAGE>