Document:

EXHIBIT  10.3

                               Document is copied.
                           COMDATA PAYMENT SERVICES

                       EXPRESS CASH STATEMENT OF SERVICES
                       ----------------------------------
                      (CARDHOLDER AGREEMENT AND DISCLOSURE)

This Comdata Express Cash Cardholder Agreement and funds distribution disclosure
(the  "Agreement")  covers  both  your rights and the rights of Comdata Network,
Inc.  ("Comdata"),  its  affiliates  and  representatives  relating  to: (a) the
issuance  to,  and  use  by,  you  of  Comdata's  proprietary Comcheks card (the
"Card");  (b)  direct  transfers  of your payroll payments or other recurring or
periodic  payments  of  an  electronic nature to an account established for your
benefit  which  may  be used or accessed by your Card; and (c) Card transactions
(i)  at  automated  teller  machines  (individually,  an  "ATM"),  (ii) approved
point-of-sale  merchant  locations ("POS"), (iii) resulting in the issuance of a
Comcheck  draft, (iv) long distance services and (v) other approved uses for the
Card.

By  accepting  and  using a Card issued by Comdata or its designee, you agree to
the  terms  and  conditions  contained in this Agreement and that such terms and
conditions  will  apply  to  your  use  of  the  Card.

As  used  in  this Agreement, the words "Cardholder", "you", "your", and "yours"
refers  to the persons to whom a Card has been issued pursuant to this Agreement
and  the related Funds Distribution Agreement between Comdata and your employer.
The words "we", "us", "our" and "ours" refers to Comdata and, as applicable, its
affiliates  and  representatives,  including  First  American  National  Bank,
Nashville,  Tennessee  or a successor or alternate bank or financial institution
designated  by  Comdata  (the  "Bank").  The phrases "business day" means Monday
through  Friday,  except  federal  holidays.

Please  retain  a  copy of this Agreement for your records and future reference.

                     FUNDS DISTRIBUTION AND TRUST AGREEMENT
                     --------------------------------------

1.   GENERAL. Comdata's Express Cash Funds Distribution Services (the "Service")
     --------
     is a means by which your  employer may transfer  funds owed to you, such as
     wages or  expense  reimbursements,  which  funds  are then,  in turn,  made
     available for access and use by you by use of the Card.  Funds  transferred
     by your  employer to Comdata  under the Service will, in turn, be deposited
     and held in a  non-interest  bearing trust account  located at the Bank, as
     trustee,  pursuant to a trust  agreement  existing  between Comdata and the
     Bank for the benefit of each Cardholder. Comdata and/or the Bank will cause
     funds  transfer to be made from funds  assigned to each  Cardholder  in the
     Comdata  accounts or trust  account,  be  applicable  and  appropriate,  in
     accordance  with  instructions  received  from you by use of your Card (for
     example,  withdrawal  instructions  received  from the use of the Cad at an
     ATMN  or  purchase  instructions  received from a  point-of-sale  network).

<PAGE>
     By accepting  and/or  using the Card,  you  hereby  request  and  authorize
     Comdata  and/or the Bank, as applicable,  to make such funds transfers from
     each such  Cardholder's  funds in accordance  with  any  such  instructions
     and to pay the  principal  amount  of any such transactions,  including any
     fee associated  therewith,  to the appropriate party or parties.

2.   CONSENT TO BE PAID  THROUGH THE SERVICE,  ACKNOWLEDGEMENTS.  (a) Consent to
     -----------------------------------------------------------      ----------
     Method of Payment.  By accepting  and/or using the Card, you hereby request
     -----------------
     and  authorize  your  employer  to  transfer  funds due to you  through the
     Service as described  herein and expressly and voluntarily  consent to such
     payment and funds distribution method.

(b)  No interest Paid on Funds. You acknowledge and agree that funds transferred
     -------------------------
     to you through the Service will be held in a trust account  (which will not
     accrue or pay interest for your benefit) at the Bank for your benefit until
     used or accessed  by you through  your use of the Card and that no interest
     will be paid on you on such funds.  To the extent  interest may accrue,  if
     any,  you  understand  that  Comdata  or its  designee  shall be entitle to
     receive  and keep any such  amounts  to  cover  costs  associated  with the
     Service.

(c)  Employer Access to Spending  Information.  You recognize that your employer
     ----------------------------------------
     may provide you periodic statements  regarding purchases and other activity
     with respect to your Card.  This Card statement  delivery method means that
     your employer will have access to  information  about your use of the Card,
     including  information  such as where  purchases have been made by you. You
     hereby consent to your employer  having access to such  information for the
     purpose  of  delivering   periodic   Card   statements  to  you  and  waive
     confidentiality with respect to such information for this purpose.

3.   TRANSACTION LIMITATIONS.  Withdrawals or use of funds assigned to your Card
     -----------------------
     may only be made from an ATM,  POS,  issuance  of a Comchek  draft,  use of
     certain long distance  telecommunications  services or other means approved
     by Comdata.  Withdrawals  or use of funds  assigned to your Card may not be
     made unless there are  sufficient,  collected  funds  attributable  to your
     Card.

4.   DEPOSITS; FUNDS AVAILABILITY. Additional deposits assigned to your Card may
     -----------------------------
     only be made by direct deposit of your pay or other monies (such as expense
     reimbursement)  from your  employer  in any  amount or by other  electronic
     transfer as permitted by Comdata in writing. Deposits by check, cash, other
     preauthorized transaction or any other manner are not available through the
     Service.  Any transfers from your employer to your Card will be immediately
     available.

5.   FEES. Current fees applicable to use of your Card have been provided to you
     ----
     on a Fee  Schedule.  Fees  are  assessed  at the  time  of  the  applicable
     transaction  and may be changed by Comdata or others from time to time upon
     written notice to your employer.

<PAGE>
6.   STATEMENTS; ERROR RESOLUTION.  You will receive periodic statements showing
     ----------------------------
     all Card activity  during the statement  cycle,  including  fees or service
     charges imposed.  If you believe that your statement  contains a mistake or
     discrepancy,  then you must notify us within  sixty (60) days of receipt of
     the first statement containing a mistake or discrepancy in order to resolve
         -----
     the discrepancy. Otherwise, the statement may be deemed correct.

7.   CUSTOMER SERVICE.  Customer service is available to assist you in obtaining
     ----------------
     Card balance information, lost or stolen card assistance and other matters.
     The  telephone  number  for  customer  service is  (800)741-2777.  Customer
     service  representatives are available  twenty-four (24) hours a day, seven
     (7) days a week.

8.   TRANSFERABILITY.  Your Card is not transferable. You may not assign, pledge
     ----------------
     or otherwise  transfer you interest in funds accessible by the Card without
     our prior written consent.

9.   RIGHT  OF  SET-OFF.  We have a right  of  set-off  against  funds  that are
     -------------------
     accessible through use of your Card.

10.  WARRANTIES;   LIMITATION  OF  LIABILITY.  COMDATA  AND  THE  BANK  MAKE  NO
     ---------------------------------------
     WARRANTIES,  WHETHER  EXPRESS OR  IMPLIED,  WITH  RESPECT TO ANY  SERVICES,
     PRODUCTS OR EQUIPMENT PROVIDED HERUNDER, INCLUDING, WITHOUT LIMITATION, ANY
     WARRANTIES  OF  MERCHANTABILITY  OR  FITNESS  FOR  A  PARTICULAR   PURPOSE.
     COMDATA'S SOLE  RESPONSIBILITY  TO CARDHOLDERS SHALL BE TO MAKE THE SERVICE
     AVAILABLE IN  ACCORDANCE  WITH THE TERMS OF THIS  CARDHOLDER  AGREEMENT AND
     DISCLOSURE.  IN NO  EVENT  SHALL  COMDATA  OR THE  BANK  BE  LIABLE  TO ANY
     CARDHOLDER  OR ANY  OTHER  FIRM OR  PERSON  FOR  CONSEQUENTIAL  INCIDENTAL,
     SPECIAL OR PUNITIVE DAMAGES, EVEN IF COMDATA OR THE BNK HAD PRIOR KNOWLEDGE
     OF THE POSSIBILITY OF SAME.

                      ELECTRONIC FUNDS TRANSFER DISCLOSURE
                      ------------------------------------

1.   CARD ISSUANCE AND  RESPONSIBILITIES.(a) You will be issued one Card and you
     -----------------------------------
     will select a Personal Identification Number ("PIN") for use with your Card
     to access  funds  distributed  to your Card.  Upon our  acceptance  of your
     written  acceptance of this  Agreement,  you may use your Card to access or
     use such funds.

(b)  For  security  purposes,  only you will know your PIN. It is not printed on
     the Card,  and neither our personal nor your  employees  have access to it.
     The  Card  and the  PIN are not  transferable  and are  provided  for  your
     protection and  identification  during Card related financial  transactions
     and other uses of the Card.

<PAGE>
(c)  You agree  that you  will;  (i) use the Card,  PIN and  services  available
     through the Service as instructed;  (ii) promptly  notify us of any loss or
     theft of the Card or disclosure of the PIN; and (iii) accept  liability for
     misuse of the Card and PIN as described in Section 5 below.

2.   CARD USES. By properly using your valid Card and PIN, you may withdraw cash
     ---------
     at any ATMs  bearing  the ATM network  logo on your Card (i.e.,  Cirrus) or
     other  network to which the Card and the  Service  has  access,  subject to
     applicable  limitations.  You may also use you Card to  purchase  goods and
     services at POS merchant  participating  in the POS network(s) to which the
     Card  has  access  (i.e.,  Maestro),  subject  to  applicable  limitations.
     Further,  you can use your  Card to  purchase  a  Comchek  draft,  use long
     distance services and obtain other products and services, as may be offered
     and authorized by Comdata from time to time.

3.   CARD USE LIMITATIONS. There may be a network or ATM owner limitation on the
     --------------------
     dollar amount of cash withdrawals  initiated by the use of your Card during
     a given time  period.  This may limit the minimum and maximum  amounts that
     you may  withdraw  through use of your Card.  The owner of the ATM may also
     charge a fee for the transaction,  which is in addition to any fees charged
     by us. You will be charged by us a fee per transaction,  including  balance
     inquiries,  as stated in our then current Fee Schedule. In using your Card,
     you agree not to initial a withdrawal,  purchase or other transaction which
     will exceed the total  amount of funds  assigned to your Card at that time.
     You  authorize us or our  designee to verify the balance  available on your
     Card prior to authorizing or completing a transaction.

4.   DOCUMENTATION OF TRANSFERS.  (a) Transaction Records. You will get a record
     --------------------------   -----------------------
     each time you use an ATM or POS; (b)  Statements.  Periodic Card statements
                                      ---------------
     will  be made  available  to you  which  will  show  information  for  each
     preauthorized transfer as well as other account activity; and (c) Recurring
                                                                   -------------
     Electronic  Deposits.
     --------------------

5.   LIABILITIES.  (a) Our Liabilities  for Failure to Make Transfers.  If we do
     ------------
     not cause the  completion  of a  transfer  to or from your  account  in the
     correct  amount and manner  according to our  agreement  with your and your
     employer,  we will be liable for your loses and damages,  except as limited
     herein.  However,  there are some exceptions.  For example,  we will not be
     liable under the following circumstances;  (i) if through no fault of ours,
     you do not have enough money in your account to make the transfer;  (ii) if
     the ATM where you are making the transfer does not have enough cash;  (iii)
     if the  ATM,  POS or  other  device  was  not  working  properly;  (iv)  if
     circumstances  beyond our control (such as fire, flood,  telecommunications
     or computer malfunctions or acts of God) prevent the transfer; (v) if funds
     are encumbered  through legal process;  or (iv) if we receive incomplete or
     inaccurate   information  from  governmental  or  other  sources,  such  as
     Automated Clearing Houses.

<PAGE>
(b)  Your Liability for Unauthorized Transfers.  You agree to use the Card, PIN,
     -----------------------------------------
     ATMs,  POS network and other  authorized  services or products only for the
     purposes  outlined in this  Agreement.  You must tell us immediately if you
                                                              -----------
     believe your Card has been lost, stolen, or if someone has possibly learned
     your PIN. Telephoning us is the best way of keeping your possible losses to
     a minimum.  You could lose all the money assigned to your Card account.  If
     you tell us within two (2) business  days, you can lose no more than $50 if
     someone  used  your Card  without  your  permission.  If you do not tell us
     within tow (2)  business  days after you learn of the loss or theft of your
     Card,  and we prove we could  have  stopped  someone  from  using your Card
     without your permission if you had told us, you could lose as much as $500.

     Further, if your Card statement shows transfers that you did not make, tell
     us at  once.  If you do not  tell us  within  sixty  (60)  days  after  the
     statement  was  delivered  to you,  you may not get back any money you lost
     after the 60 days, if we can prove that we could have stopped  someone from
     taking or using the money if you had told us in time.

     If you need to report  discrepancies or a lost or stolen card,  please call
     or write either  Comdata or the Bank.  Our addresses and telephone  numbers
     are:

     First  American  National  Bank          Comdata  Network,  Inc.
     First  American  Center                  5301  Maryland  Way
     Nashville,  TN  37238                    Brentwood,  TN  37027
                                              (800)741-2777

                          GENERAL TERMS AND CONDITIONS
                          ----------------------------

1.   CANCELLATION OF AGREEMENT. We reserve the right, in our sole discretion, to
     -------------------------
     refuse further funds  distributions from your employer to your Card account
     and to  terminate  your Card  account and access at any time upon notice to
     you.  This  Agreement may be canceled by either of us at any time by giving
     written notice of cancellation.  Your cancellation will be effective within
     two  business  days  after  receipt  of any such  notice.  You will  remain
     responsible  and  liable  for  any  transactions  initiated  prior  to  the
     effective  date  of the  cancellation  and  any  service  charges  or  fees
     incurred.  Any  funds  remaining  on your Card  upon  cancellation  will be
     remitted to you by check or Comcheck draft at the address you provide to us
     for such purpose.

2.   ENFORCEMENT.  If we refer any matter  relating  to your Card to a lawyer to
     -----------
     enforce any of the terms of this  Agreement,  you agree to pay our lawyer's
     fees plus court costs, and any other fees or expenses allowed by law in the
     event that we are the prevailing  party.  we can delay enforcing our rights
     under this Agreement without losing or waiving them.

<PAGE>
3.   CHANGES  AND  MODIFICATIONS.  We may  amend  or  change  the  terms of this
     ---------------------------
     Agreement  and our Fee Schedule at any time by giving  [written]  notice of
     the change and the effective date. We will notify your employer at least 10
     days prior to the effective date of any amendment or change in the terms of
     this Agreement or the Fee Schedule.

4.   GOVERNING LAW; MISCELLANEOUS MATTERS.  This  Agreement shall be interpreted
     ------------------------------------
     in accordance with the local laws of the State of Tennessee, without regard
     to the choice of law rules  of  such  stare.  If any of the  terms  of this
     Agreement are determined to be invalid or  unenforceable,  the remainder of
     the Agreement shall survive in full force and effect. This Agreement may be
     assigned  by us and is binding  upon and  enforceable  against  your heirs,
     legal representatives or successors.

5.   DISCLOSURE OF ACCOUNT INFORMATION. We will keep information about your Card
     ----------------------------------
     account  confidential.  However,  Comdata  and/or  the Bank  will  disclose
     information  to certain  parties  about your Card activity in the following
     situations;  (a) to your  employee so that Card account  statements  may be
     delivered to you as discussed  above;  (b) in order to verify the existence
     and condition of your account for a third party (such as a credit bureau or
     merchant);  (c) in order to comply with government  agency or court orders;
     (d) if  you  give  us  written  permission  to do  so;  or (e) to  lawyers,
     accountants,  collection agencies,  credit bureaus.  Financial institutions
     and others involved in collection,  adjustment,  settlement or reporting of
     such matters.

<PAGE>
First  American
Distribution  Management  -  Cards
550  Metroplex  Drive  NA-7203
Nashville,  TN  37211

November  8,  1999

Ms.  Debbie  Gray
Comdata  Corporation
5301  Maryland  Way
Brentwood,  TN  37207

Debbie:

This  letter  represent  official  notification  of  Approval  for  the Pinnacle
Business  Management  Program,  and  notification  of responsibility of Comdata,
Pinnacle  and  their  associates  (MailBoxes  Etc.)  of  additional  security
requirements  for  the  program.

Specifically;

1.     Audit  control  logs,  verifiable  and  available  on  demand.
2.     Access  controls.
3.     Theft  notification.
4.     Card  Storage  controls.
5.     Card  holder  application  handling.

Pinnacle  will  be  responsible for the actions of their agents, as will Comdata
for Pinnacle's compliance.  I would like to meet to determine how we will manage
this  program's  compliance  without  creating  an  undue  hardship.

Thanks  for  your  time.  I  await  your  response.

Cordially,

/s/

William  Appleton
A.V.P.  -  Cards

Attachment
Cc:  Bobbi  Dozier,  Russell  Rogers

<PAGE>
                           FEES AND CLIENT INFORMATION
             (Comdata Payment Services Funds Distribution Agreement)

                               CLIENT INFORMATION

PINNACLE  BUSINESS  MANAGEMENT,  INC.          ROBERT  GALLATIN
-------------------------------------          ----------------
Client  Name  (exact  legal  name)             Client  Contact  Name and Title

2963  GULF  TO  BAY  BLVD.,  SUITE  265        727-669-7781
---------------------------------------        ------------
Client  Street  Address                        Client  Telephone  Number

CLEARWATER     FL     33759                    727-669-5912
---------------------------                    ------------
City          State   Zip Code                 Client  Facsimile  Number

CUSTOM  CARDS.  If  ordered  by  Client, Comdata will produce customized Comchek
-------------
cards  for  distribution  in  connection  with  Service.

     Custom  Cards  Cost
     -------------------
     0-3,000          $1.50  per  card
     3,000-10,000     $1.00  per  card
     10,000+          $0.75  per  card

     One  -time  Set-up  Fee     $500.00

     Custom  Card  Surcharges
     ------------------------
     Less  than  1  week     90%
     Less  than  2  week     65%
     Less  than  3  week     45%
     Less  than  4  week     15%

     *Prices  are  based  upon  a  typical  4-color  custom  card

METHOD  OF  PAYMENT
-------------------

     Form:  Wire               Frequency:  Daily

SECURITY
--------

     Type:                      Amount:  $
          ----------                     -----------

<PAGE>
                                                                       Exhibit B

                                  COMPANY FEES

The  following  are  the  current  fees  applicable  to transactions effected by
Cardholders  using  the  Card.  The  Client acknowledges and agrees that Comdata
shall deduct the  amount of any such fees, together with the principal amount of
any  such  transactions,  from  the  balance of amounts on each respective Card.

Type  of  Transaction                              Per  Transaction  Fee
Express  Cash  -  Draw  Fee                        $  1.25
Comdata  Answer  Plus  Phone  Card  (per  minute)  $  0.20
(A one-time fee of  $30  applies  to  all  calls
originating  from  a  payphone)
Comdata  Answer  Plus  Voice  Mail  (per  minute)  $  0.20
ATM  Access  (U.S.)                                $  1.25
ATM  Access  (International  Fee)                  $  3.25
ATM  Balance  Inquiry                              $  1.25
ATM  Decline  Fee                                  $  1.25
POS  Debit  Transactions                           $  1.25

<PAGE>EXHIBIT 10.4

                            COMDATA PAYMENT SERVICES

                          FUNDS DISTRIBUTION AGREEMENT
                          ----------------------------

     THIS AGREEMENT, dated as of the 9th day of July, 1999 (the "Agreement"), is
                                                ----------
made  and  entered  into  by  and  between  COMDATA NETWORK, INC., d/b/a COMDATA
CORPORATION(R),  a  Maryland  corporation  ("Comdata"),  and  Pinnacle  Business
                                                              ------------------
Management.  Inc.  (the  "Client").
----------------

                              W I T N E S S E T H:
                              - - - - - - - - - -

     WHEREAS,  Comdata,  through  its  Payment  Services  Business  Unit,  has
developed,  offers  and  operates a funds distribution service, known as Express
Cash,  as  described  more  fully  herein  (the "Service"), which may be used by
companies,  like  the  Client,  to  distribute funds to persons entitled to such
funds,  including distribution of wages or salaries, expense reimbursement funds
or  distribution  of other funds as may be identified by the Client and accepted
by  Comdata;

     WHEREAS,  companies, such as the Client, using Comdata's Express Cash funds
distribution  service  will  distribute  Comdata's  proprietary  Comchek(R) card
(individually, a "Card") to certain of its employees or other persons identified
by the Client as being entitled to any such funds (individually, a "Cardholder")
and Comdata, in accordance with instructions received from the Client, will load
the  appropriate amount of funds to each individual Card which funds may then be
accessed or used by such Cardholder through designated automated teller machines
(individually,  an  "ATM"),  at merchants participating in certain point-of-sale
debit  network(s),  by  the  issuance  of  a  Comchek(R)  draft or other methods
approved  by  Comdata  and/or  the  Client;  and

     WHEREAS, the Client desires to subscribe to the Service and Comdata desires
to  make  the  Service  available to the Client and those Cardholders identified
from time to time by the Client, in accordance with and subject to the terms and
conditions  of  this  Agreement;

     NOW,  THEREFORE,  for  and  in  consideration  of  the mutual covenants and
premises  set  forth  herein,  and  other  good  and valuable consideration, the
receipt and sufficiency of which are hereby acknowledged, the Client and Comdata
hereby  agree  as  follows:

     1.     Statement  of  Service.  (a)  Subject  to  the  terms and conditions
            -------------  -------
hereof,  Comdata  shall  make  the  Service  available  to  the Client and those
Cardholders identified to Comdata by the Client pursuant to which the Client may
periodically transfer funds owed or otherwise due to such Cardholders by loading
such  funds  to a Cardholder's Comchek(R) Card. Thereafter, each such Cardholder
may  access  or  use  the  funds available on his or her individual Card through
designated  ATMs,  at  merchants  participating  in  certain point-of-sale debit
networks,  by  the  issuance  of a Comchek(R) draft or other methods or services
approved  by  Comdata  and/or  the  Client and selected by each such Cardholder.

     (b)     The  Client agrees to transfer, in immediately available funds, the
aggregate  amount  of funds to be loaded onto Cards to Comdata's designated bank
account  in  accordance  with  the terms set forth on Exhibit B in order to make
such  funds  available  for  access  or use by each Cardholder designated by the
Client.  Each  such  transfer  of  funds  by  the Client shall be accompanied by
information,  in  form  and  substance  determined by Comdata (which may include
electronic  file(s)  or data feeds), identifying each such Cardholder to receive
access  to  such  funds  and  the  amount  of funds to be allocated to each such
Cardholder.  Failure  of  the Client to timely transfer such funds to Comdata as
set  forth  in  Exhibit B or provide any such information required by Comdata to
effect  the  Service  may  cause  the  Service  to be unavailable to Cardholders
designated  by  the  Client  at  such  time(s)  otherwise  requested.

     (c)     The  Client  acknowledges  and  agrees  that  funds  transferred to
Comdata in connection with the Service will, in turn, be deposited and held in a
non-interest bearing trust account (as to the Client and Cardholders) located at
First  American  National  Bank,  Nashville,  Tennessee,  or  such other bank or
financial  institution  designated from time to time by Comdata (the "Bank"), as
trustee, pursuant to a trust agreement existing between Comdata and the Bank for
the  benefit  of  each  Cardholder.  Comdata  and/or  the  Bank will cause funds
transfers  to  be  made  from  funds  assigned to each Cardholder in the Comdata
account  or  trust  account,  as  applicable and appropriate, in accordance with
instructions  received from each Cardholder by use of the Card (e.g., withdrawal
instructions  received  from  the  use  of  the  Card  at  an  ATM  or  purchase
instructions received from a point-of-sale network). Comdata and/or the Bank, as
applicable,  is  requested and authorized to make such funds transfers from each
such  Cardholder's funds in accordance with any such instructions and to pay the
principal  amount  of  any  such  transactions,  including  any  fees associated
therewith,  to  the  appropriate  party  or  parties.

     (d)     The Client is responsible for causing each such Cardholder desiring
to  utilize the Service to become familiar with the terms and conditions for use
of the Service as set forth in Exhibit A. attached hereto and fully incorporated
herein  by  this reference (the "Cardholder Agreement"). Among other provisions,
the  Cardholder  Agreement  is  the  Cardholder's  express  consent  to,  and
authorization for, the Client to pay wages or other amounts otherwise due to any
such  Cardholder  from  the  Client  through  the  Service  and  in  the  manner
established  by  the  Service  as  the  same  may  exist  from  time  to  time.

<PAGE>
     (e)     The  Client  acknowledges  and  agrees  that the Service is a funds
distribution  service  only.  In  the  event that the Service is utilized by the
Client  for  distribution  of  wages  or payroll funds due to its employees, the
Client  acknowledges  and  agrees  that  the  Client  is  solely responsible for
compliance  with  all  applicable  federal,  state  and  local  laws,  rules and
regulations relating to payroll, compensation and employment matters, including,
without  limitation, as applicable (i) proper withholding, and timely remittance
of,  any  and  all taxes related thereto (e.g., local, state and federal income,
payroll  or  social  security  taxes) and (ii) delivery of pay stubs and similar
payroll  information  to  Cardholder employees (e.g., deduction(s) made from any
payroll  payment).

     2.     Cards.  Comdata  shall  furnish Cards to the Client for distribution
            -----
to,  and  use by, Cardholders designated by the Client who desire to utilize the
Service.

     3.     Fees.  Current  fees  for  use  of  the  Service  by  the Client and
            ----
Cardholders  are  set forth in Exhibit B, attached hereto and fully incorporated
herein by this reference. The Client agrees to promptly pay any amounts due from
it  to Comdata in accordance with the terms of this Agreement, including Exhibit
B.  Failure to make any such payments in accordance with this Agreement shall be
deemed  a  breach  of  this  Agreement,  in  which  case Comdata may immediately
terminate this Agreement. Any payments made by check shall not be deemed to have
been  made  until  such  check  is  honored  upon presentment for payment at the
Client's  bank.  Comdata  may change the fees set forth in Exhibit B upon thirty
(30)  days  prior  written  notice  to  the  Client.

     4.     Security.  If requested by Comdata, the Client shall provide Comdata
            --------
with  security for the performance when due of its obligations set forth herein.
Comdata may suspend the Service until such time as any such security is received
by  Comdata in form and substance acceptable to Comdata in its discretion and as
may  further  be  set  forth  on  Exhibit  B.

     5,  Responsibility for Cards, Security Information, Etc. The Client accepts
         ---------------------------------------------------
full responsibility for the use of all Cards, passwords, personal identification
numbers (individually, a "PIN") or other security codes and procedures while any
such  Cards  or information are in the possession and control of the Client. The
Client  shall  notify Comdata immediately by telephone of any lost, misplaced or
stolen  Cards,  PINs, passwords or other security codes and procedures and shall
be  fully  responsible for the unauthorized or fraudulent use thereof until such
time  as  Comdata  has received such notification from the Client, provided that
any  such  misuse  is  not attributable to an error, act or omission of Comdata.

     6.     Term  and  Termination. The term of this Agreement shall commence as
            ----------------------
of the date first set forth above and shall continue thereafter until the second
(2nd)  anniversary  of such date. Thereafter, this Agreement shall automatically
renew  for  consecutive, successive terms of one (1) year each, unless and until
one  party  hereto provides the other party hereto written notice of non-renewal
ninety (90) days prior to the end of the then existing term. Notwithstanding the
foregoing  or any other provision herein to the contrary. Comdata shall have the
right  to  immediately terminate this Agreement by oral or written notice if the
Client  should  (a)  fail  to  make  any  payment(s)  due hereunder; (b) fail to
maintain a satisfactory credit relationship with Comdata; or (c) fail to perform
any  other  obligation  required  to be performed by the Client pursuant to this
Agreement.  The  Client's obligation to pay for the Service, and any transaction
or other fees associated therewith, which are incurred before the effective date
of  termination  of  this  Agreement  shall  survive  such  termination, and the
Client's obligation to pay late charges hereunder shall survive such termination
regardless  of whether such late charges were incurred before the effective date
of  termination.

     7.     Disputed  Matters.  The  Client  must  notify Comdata of any dispute
            -----------------
relating  to  any invoice, billing or similar matter within sixty (60) days from
the  date  of  any  such  invoice, billing or similar matter or the billing item
shall  be  deemed  undisputed  and  accepted  by  the  Client.

     8.     Transaction  Data.  The  Client  acknowledges  and  agrees  that all
            -----------------
transaction  information,  including, without limitation, Card numbers, Client's
rates  and  fees  and  data  gathered  at  the point-of-sale by Comdata, whether
electronically  or  by  voice,  is  the property of Comdata. The Client shall be
entitled to use any such information only for its internal business purposes and
shall  not divulge the same to any other person, firm or corporation without the
prior  written  consent  of  Comdata.

     9.     Warranties;  Limitation  of  Liability. COMDATA MAKES NO WARRANTIES,
            --------------------------------------
WHETHER  EXPRESS OR IMPLIED, WITH RESPECT TO ANY SERVICES, PRODUCTS OR EQUIPMENT
PROVIDED  HEREUNDER.  INCLUDING.  WITHOUT  LIMITATION.  ANY  WARRANTIES  OF
MERCHANTABILITY  OR  FITNESS  FOR  A  PARTICULAR  PURPOSE.  COMDATA'S  SOLE
RESPONSIBILITY  TO  THE  CLIENT AND THE CARDHOLDERS SHALL BE TO MAKE THE SERVICE
AVAILABLE  IN  ACCORDANCE  WITH  THE  TERMS OF THIS AGREEMENT. IN NO EVENT SHALL
COMDATA  BE LIABLE TO THE CLIENT, ANY CARDHOLDER OR ANY OTHER FIRM OR PERSON FOR
CONSEQUENTIAL,  INCIDENTAL,  SPECIAL  OR  PUNITIVE  DAMAGES, EVEN IF COMDATA HAD
PRIOR  KNOWLEDGE  OF  THE  POSSIBILITY  OF  SAME.

                                        2
<PAGE>
     10.     Equipment  Usage  Limitations.  In the event that Comdata furnishes
             -----------------------------
any equipment or supplies to the Client hereunder, the Client shall use any such
equipment  or  supplies solely in connection with the Service and shall allow no
other  parties  to  utilize  such  equipment  or  supplies without prior written
authorization  from  Comdata.

     11.     Indemnification. (a) Each party hereto shall indemnify and hold the
             ---------------
other  party hereto, its directors. officers, agents, employees, contractors and
representatives  harmless  from  and  against all claims, liabilities, causes of
action,  demands  and  expenses  (including  attorneys'  fees,  court  costs and
disbursements) by reason of, based upon, relating to or arising out of, a breach
of  any of the covenants, agreements, representations or warranties contained in
this  Agreement,  or  attributable  to  the negligent or willful errors, acts or
omissions  of  such  indemnifying  party,  its  agents,  officers,  employees or
representatives. The party to be indemnified hereunder shall promptly notify the
indemnifying  party  of  any  claim,  demand, suit or proceeding with respect to
which  it  seeks  indemnification  and the indemnifying party shall at all times
have  the  right  to  defend,  settle  or compromise such claim, demand, suit or
proceeding  with  counsel  of its own choosing and in such manner as it may deem
advisable.

     (b)     Without  limiting the generality of Section 11(a) above, the Client
agrees  to indemnify and hold Comdata (and its affiliates) harmless from any and
all  liabilities  (including interest and penalties) which are or may be imposed
on Comdata (or any of its affiliates) pursuant to wage, payroll, compensation or
other  employment  laws,  including,  without  limitation,  Section  3505 of the
Internal Revenue Code of 1986, as amended (or any successor provision thereto or
any comparable provision of any state, local or foreign tax law) or otherwise in
respect  of  any  and all federal, state, local and foreign taxes required to be
deducted  and  withheld from the wages or other compensation of the employees of
the  Client  (or  any  of  its  affiliates). The Client's obligations under this
Section  11(b)  shall  survive  the termination or expiration of this Agreement.
regardless  of  whether any such liabilities arise before or after the effective
date  of  any  such  termination  or  expiration.

     12.     Force Majeure. Neither party hereto shall be liable for any failure
             -------------
to perform due to acts of God, acts of government or ATM, point-of-sale or other
debit card regulatory bodies which significantly inhibit or prohibit the Service
contemplated  hereby,  wars,  fires,  floods,  explosions, natural catastrophes,
civil  disturbances,  strikes,  riots,  unusually  severe  weather  (such  as
tornadoes),  or  failures  or fluctuations in electrical power, heat, light, air
conditioning,  computer,  or  telecommunications  services  or equipment ("Force
Majeure").  In  such event, the performance of such party's obligations shall be
suspended during the period of existence of such cause and the period reasonably
required  thereafter  to  resume  the performance of the obligation. The parties
shall  use  their  best reasonable efforts to minimize the consequences of Force
Majeure.

     13.     Certain  Further Assurances; Certain Information. (a) Upon request,
             ------------------------------------------------
the  Client  agrees  to  promptly complete and deliver such further documents as
necessary  or  appropriate  and  as  Comdata  may  reasonably request related to
providing  the  Service.  In  the  event  that  such  further document(s) is not
promptly  received,  Comdata  may  thereafter  terminate  this  Agreement.

     (b)     The  Client  shall,  if  requested,  provide  Comdata  with written
certification (signed by an appropriate officer of the Client) from time to time
to  the  effect that the Client is in full compliance with its obligations under
all  federal,  state,  local  and  foreign  tax laws relating to withholding and
payment of payroll taxes with respect to its employees (and the employees of its
affiliates),  as well as such other information relating to payroll taxes of the
Client  (and  its  affiliates)  as may be requested by Comdata. In addition, the
Client  shall  provide  Comdata  with  its  financial  statements  to the extent
requested  by  Comdata  from  time  to  time.

     14.     Notice  of  Breach;  Right to Cure. In the event of a breach of, or
             ----------------------------------
default  under,  this  Agreement by either party, the non-defaulting party shall
provide  the defaulting party with written notice of the nature of the breach or
default.  Unless otherwise provided to the contrary herein, the defaulting party
shall have thirty (30) days from the date of any such notice to cure such breach
or  default.  In  the  event  any  such breach or default is not cured or waived
within  such  thirty  (30)  day  period, the non-defaulting party may thereafter
terminate  this  Agreement  upon  fifteen  (15) days prior written notice to the
defaulting  party.

     15.     Confidentiality.  Comdata and the Client agree and covenant to each
             ---------------
other  that  they  shall not, during the performance of this Agreement or at any
time  after  the  termination or expiration hereof, use or disclose to any third
party  other  than  during the proper performance of their duties hereunder, the
terms  of  this  Agreement,  or any of the procedures, practices or confidential
dealings  of  the  other  party hereto. The provisions of this Section shall not
apply  to  disclosures  required  by  law.

     16.     Notices.  All  notices  called for herein shall be given in writing
             -------
and  sent  by U.S. mail, by facsimile, by hand delivery or by overnight courier,
directed  as follows: (a) if to Comdata to: Comdata Network. Inc., 5301 Maryland
Way,  Brentwood,  Tennessee  37027. Attention: Senior Vice President and General
Manager,  Payment Services Division: and (b) if to the Client to the address set
forth  on  Exhibit  B.

     17.     Governing  Law;  Forum Selection. This Agreement shall be construed
             --------------------------------
in  accordance with the laws of the State of Tennessee. Any action to enforce or
interpret  this  Agreement shall be brought in the appropriate judicial forum in
Williamson  County.  Tennessee  (or the appropriate federal court for the Middle
District  of Tennessee), and the parties hereby consent to such jurisdiction and
venue  and  waive  any  objections  thereto.

                                        3
<PAGE>
     18.     Attorneys'  Fees.  In the event any action or proceeding is brought
             ----------------
to  interpret  or enforce this Agreement, the prevailing party in such action or
proceeding shall be entitled to recover its attorneys' fees (including costs and
expenses),  in  addition  to  any  other  relief  to  which  it may be entitled.

     19.     Assignment.  This  Agreement  shall be binding upon the parties and
             ----------
their  respective  successors and assigns. The Client may not transfer or assign
this  Agreement  without  the  prior  written  consent  of  Comdata.

     20.     Waiver.  Failure  to  insist upon strict compliance with any of the
             ------
terms  or conditions of this Agreement shall not be deemed a waiver of such term
or  condition,  nor  shall  any  waiver  or relinquishment of any right or power
hereunder at any time or times be deemed a subsequent waiver or relinquishment o
such  right  or  power.

     21.     Original;  Facsimile  Copy.  The Client shall return the originally
             --------------------------
executed  copy of this Agreement to Comdata as soon as possible. Notwithstanding
the  foregoing,  the  Client  and Comdata acknowledge and agree that an executed
facsimile  copy  of  this Agreement is sufficient to evidence this Agreement and
the  effectiveness  hereof.

     22.     Entire  Agreement,  This Agreement constitutes the entire agreement
             -----------------
between  the  parties  with respect to the subject matter hereof, and supersedes
all prior or contemporaneous agreements and understandings regarding the subject
matter  hereof,  whether  written  or  verbal. This Agreement may be modified or
amended  only  in  writing  signed  by  the  parties  hereto.

     IN  WITNESS  WHEREOF, the Client and Comdata, through their respective duly
authorized  and  acting  representatives,  have  executed  and  delivered  this
Agreement  to  be  effective  as  of  the  date  first  set  forth  above.

COMDATA  NETWORK,  INC.                 Pinnacle  Business  Management.  Inc.
                                        -------------------------------------
d/b/a COMDATA CORPORATION(R)            Printed or Typed Name of the Client

By:     /s/  Bobby  Monord                   By:     /s/ Joseph N. Vallone
   -----------------------                      --------------------------
Title:  VP  of  Credit                       Title:  Vice President
      --------------------                         -----------------------

                                        4
<PAGE>

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