Document:

National Accounts

                             Business Communications

                                  Prepared for:

                          PINNACLE BUSNIESS 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
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                                 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
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                           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)
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

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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

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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,

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     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.

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.

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     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
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.

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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:

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

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     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

<PAGE>
                                   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.

<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 Options  2,559,903  2,559,903  2,000,000  2,000,000   3,550,893   3,550,893   3,550,893   3,550,893
               ---------  ---------  ---------  ---------  ----------  ----------  ----------  ----------
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.

8.   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>Exhibit  A

                            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). By

<PAGE>
     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>
                                                                  Exhibit 10.2.1

                               REFERRAL AGREEMENT
                     COMCHEK CASH FUND DISTRIBUTION SERVICE
                     --------------------------------------

     THIS  AGREEMENT  is  made  and entered into as of the 11th day of November,
1999, by and between Comdata Network, Inc. d/b/a Comdata Corporation, a Maryland
corporation,  by  and  through  its Payment Services Division with its principal
offices  at  5301  Maryland  Way,  Brentwood,  Tennessee  37027  ("Comdata") and
Pinnacle  Business  Management  with  its  principal offices at 2963 Gulf To Bay
Blvd,  Clearwater,  FL  33759  ("Company").

                                   WITNESSETH:

     WHEREAS,  Comdata  has  developed, offers and operates a funds distribution
service  (the  "Service"), which may be used by companies to distribute wages or
salaries  to  employees,  expense  reimbursement  funds  or  such other funds to
persons  entitled  to  such funds as may be approved by Comdata, by means of the
Comchek  eCash Card (the "Card"), which has access to the CIRRUS ATM Network and
the  Maestro  POS Debit Network (the "Networks").  The Cards are issued by First
American  National  Bank  ("Issuing  Bank"),  a  Cirrus  and Maestro Member; and

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

     1.   REFERRALS.  Comdata  hereby grants to Company the right to refer,  and
          ----------
          Company hereby agrees to use reasonable efforts to refer,  Prospective
          Customers  to  Comdata,  subject  to the terms and  conditions  o this
          Agreement.  Company shall refer Prospective Customers to Comdata using
          Card  applications  bearing  the  identification  number  assigned  to
          Company by Comdata, which applications shall be sole identification of
          the source of the Prospective Customers referred by Company to Comdata
          for  purposes of  determining  whether  Company is entitled to receive
          referral fees pursuant to Section 6.

     2.   TRAINING.  Comdata will provide,  and at least one employee of Company
          --------
          must attend and complete,  an initial training program relating to the
          Card and the  methods,  procedures,  and  requirements  for  referring
          Prospective  Customers  to Comdata  prescribed  by Comdata and Issuing
          Bank.  Comdata,  in its discretion,  may provide  additional  training
          programs for attendance by employees of Company.

     3.   MANUAL.  During  Comdata's  initial  training  program,  Comdata  will
          ------
          deliver  one (1)  copy of a  manual  which  sets  forth  the  methods,
          procedures,  and requirements for referring  Prospective  Customers to
          Comdata  prescribed by Comdata and Issuing Bank  ("Manual") to Company
          for use by its employees  during the term of this  Agreement.  Comdata

<PAGE>
          may amend the Manual to provide new and revised  methods,  procedures,
          and  requirements  for referring  Prospective  Customers to Comdata by
          delivery of such new pages,  replacement  pages,  addenda,  or revised
          copies to  Company  as  Comdata  shall  determine  to be  appropriate.
          Company must refer Prospective Customers to Comdata in accordance with
          methods, procedures, and requirements set forth in the Manual.

     4.   PROMOTION.  Comdata  will  provide to Company  brochures,  direct mail
          ---------
          pieces,   customer   agreement  forms,  and  other  similar  materials
          pertaining to the Service and the Card for Company's  distribution  to
          Prospective  Customers.  Company  must not  advertise  or promote  the
          Service and Card other than by the  distribution of such materials and
          by telephone  conversations  and personal meetings with the owners and
          employees of Prospective Customers.

     5.   REFERRAL  FEES.  Company  will be  entitled to receive  referral  fees
          --------------
          during the term of this  Agreement as set forth on Exhibit A, which is
                                                             ---------
          attached hereto and incorporated  herein by this reference,  except as
          otherwise  provided  herein.  If Company  terminates  the term of this
          Agreement, Company shall not be entitled to receive such referral fees
          after the term of this Agreement.  Payments of such referral fees will
          be made not  later  than the  twenty  (20) day of each  month  for the
          previous month's fees.

     6.   CONFIDENTIAL INFORMATION. All methods, procedures,  requirements,  and
          ------------------------
          other  business  and  technical  information  disclosed  to Company by
          Comdata  during the term of this  Agreement,  whether in the Manual or
          otherwise,  constitute  confidential  information  of Comdata  and are
          disclosed   to  Company  in   confidence.   Company   must  hold  such
          confidential  information  in strict  confidence,  take all reasonable
          precautions  to prevent  the same from  reaching  third  persons,  not
          disclose the same to third  persons  without  Comdata's  prior written
          approval,  and  make  no  other  use  of  the  same  except  to  refer
          Prospective  Customers  to  Comdata.  Company  acknowledges  that  the
          originals and all copies,  whether made by Comdata or Company,  of the
          Manual  and  all  other   writings  and  documents   containing   such
          confidential  information  are the  personal  property  of Comdata and
          agrees to promptly  return such  originals  and copies to Comdata upon
          the expiration or termination of the term of this Agreement.

     7.   RELATIONSHIP OF PARTIES. Company must not represent or hold itself out
          -----------------------
          as  an  agent,  legal  representative,   partner,   subsidiary,  joint
          venturer, or employee of Comdata or Issuing Bank. Company has no right
          or power to bind or obligate Comdata or Issuing Bank and must not bind
          or  obligate  Comdata or  Issuing  Bank in any way,  manner,  or thing
          whatsoever, nor represent that Company has any right to do so. Company
          must  not use any  trademark,  service  mark,  trade  name,  or  other
          commercial  symbol of Comdata,  Issuing  Bank, or CIRRUS OR Maestro in
          any manner.

<PAGE>
     8.   NETWORK RULES AND  REGULATIONS.  Comdata and Company each acknowledges
          -------------------------------
          that this  Agreement is subject to and governed by the bylaws,  rules,
          and regulations of the CIRRUS AND MAESTRO Networks  ("Network Rules").
          In case of any conflict  between the Network Rules and this Agreement,
          the Network  Rules will  control,  and this  Agreement  will be deemed
          amended to conform with the Network Rules.

     9.   TERM OF AGREEMENT. The term of this Agreement shall be for a period of
          -----------------
          one (1)  year,  commencing  as of the date  set  forth  above,  unless
          terminated sooner as provided elsewhere in this Agreement.

     10.  NON-ASSIGNMENT.  Company must not assign,  transfer,  or encumber this
          --------------
          Agreement,  or any right or interest herein or hereunder, or suffer or
          permit  any such  assignment,  transfer,  or  encumbrance  to occur by
          operation of law.

     11.  TERMINATION.  The term of this Agreement will terminate  automatically
          -----------
          if (a) either  party  becomes  insolvent,  (b) the  Networks  prohibit
          Comdata from providing  services related to the Card, (c) Issuing Bank
          ceases to be a Network Member,  (d) the term of the Agreement  between
          Comdata and Issuing Bank  pertaining  to the issue of Cards expires or
          terminates, or (e) the Networks prohibit this Agreement.

     12.  NON-COMPETITION.  During the term of this Agreement,  Company must not
          ---------------
          engage  in, or enter the  employment  of,  or render  services  to any
          person,  partnership,  association,  corporation,  or other  entity or
          enterprise  engaged in, any funds  distribution  service featuring any
          cards which are competitive with the Card.

     13.  ENTIRE  AGREEMENT. This Agreement constitutes the entire agreement and
          -----------------
          understanding of the parties hereto with respect to the subject matter
          hereof   and   supersedes   all   prior   negotiations,   commitments,
          representations,  and undertakings of the parties with respect to such
          subject matter.

     14.  AUDITS AND REVIEWS. Comdata and Issuing Bank, and their designees have
          ------------------
          the right to  conduct  procedural  audits  and  reviews at any time to
          assure that Company is in compliance with this Agreement,  the Manual,
          the Network Rules, and all applicable laws and regulations.

     15.  WAIVERS.  The  failure of Comdata to  exercise  any right,  power,  or
          -------
          option give to it hereunder or to insist upon strict  compliance  with
          the  terms  hereof  will not  constitute  a waiver  of the  terms  and
          conditions  of this  Agreement  with  respect to any other  subsequent
          breach  thereof  nor a waiver of its right at any time  thereafter  to
          require exact and strict  compliance with all the terms and conditions
          hereof.

<PAGE>
     16.  APPLICABLE LAW. This Agreement,  and the rights and obligations of the
          --------------
          parties  hereto,  will be construed  under and in accordance  with the
          local laws of the State of Tennessee  without  reference to the choice
          of law rules of such state.

     17.  NOTICES.  Any notice  required to be given  hereunder must be given in
          -------
          writing by personal  delivery,  or by  certified or  registered  mail,
          return  receipt  requested,  directed  to the  party at its last  know
          address.

     18.  SEVERABILITY.  If any provision of this Agreement is declared  invalid
          ------------
          or  inoperable  by  any  court  or  other  governmental  authority  of
          competent jurisdiction, such finding will not invalidate the remainder
          of this Agreement.

     19.  MODIFICATION.  This Agreement  cannot be modified  except by a writing
          ------------
          signed by the parties.

     20.  PARTIES  BOUND.  This  Agreement  will be  binding on and inure to the
          --------------
          benefit of Comdata, including its successors and assigns.

The parties hereunto have duly executed, sealed and delivered this Agreement, in
duplicate,  on  the  applicable  day  and  year  which  appears  below.

COMPANY  ______________________________          COMDATA  NETWORK,  INC.

By:  __________________________________          By:____________________________

Title:  _______________________________          Title:_________________________

<PAGE>
                                    EXHIBIT A
                                  REFERRAL FEES
                                  -------------

The  schedule  for the referral fees to which the Company is entitled to receive
is  as  follows:

The  referral  fee  will  begin  60 days from the first transaction date of each
account.  The  referral  fee  will be paid to customer each month by check.  The
referral fee for each account will remain in place for a period of one year from
the  initial  measurement  date.  The  referral  fee  will  be  as  follows:

<TABLE>
<CAPTION>

APPLICATION                       GROSS FEE   REFERRAL FEE
                                              REBATE AMOUNT
--------------------------------  ----------  -------------
<S>                               <C>         <C>
Load Fee                          $     1.50  $         .25
Draft Withdrawal                  $     1.50  $         .25
ATM Withdrawal                    $     1.50  $         .25
ATM Balance Inquiry               $     1.50  $         .25
ATM Transaction Decline           $     1.50  $         .25
Maestro P.O.S. Debit Transaction  $     1.00  $         .10
Answer Plus Phone Service         $0.20/min.  $         .01
</TABLE>

Customer  Initials:  _________________

Date:_________________________________

<PAGE>
                             STOCK OPTION AGREEMENT

Pinnacle  Business  Management,  Inc. (the "Company" or "Pinnacle") and Gordon &
Associates  Strategic  Investments, Inc. and/or its designee(s) ("Gordon" or the
"Optionee"),  to be effective as of the 19th day of May 1999 (the "Grant Date").

     1.   PURPOSE.  The company and  Optionee  have  entered  into a  Consulting
          Services  Agreement  dated May 19, 1999  pursuant to which the Company
          agreed to issue shares of common stock, $.001 par value and options to
          purchase shares of common stock for providing a strategic and valuable
          contact for the Company's  business.  In order to meet its obligations
          under the Consulting Services Agreement,  the Company desires to enter
          into this Stock Option  Agreement to more fully evidence the intent of
          the Company to issue  stock  options  and to reward  Optionee  for its
          efforts in contributing to the growth of the Company.

     2.   NATURE OF OPTION. The options are intended a constitute  non-qualified
          stock option.

     3.   GRANT OF OPTIONS.  The Company  grants to Optionee  stock options (the
          "Options")  to  purchase  up to a total of  35,322,578  shares  of the
          Company's  common  stock,  par  value  $.001 per  share  (the  "Common
          Stock"),  at such time(s) and at such price(s) as set forth on Exhibit
          "A"  attached to  Consulting  Services  Agreement  and any  amendments
          thereto (hereinafter referred to as Exhibit "A").

     4.   VESTING AND EXERCISE OF OPTIONS.  The Options vest and are immediately
          exercisable  upon the  occurrence  of the  opening  of  facilities  at
          certain Mailbox,  Etc.  locations and/or the Company achieving certain
          closing  prices  for its  Common  Stock,  as more  fully  set forth on
          Exhibit "A".

     5.   ADJUSTMENTS  IN THE EVENT OF  CERTAIN  TRANSACTION.  In the event of a
          stock dividend, stock split or a combination,  reverse stock split, or
          other change in the Company's capitalization, or other distribution to
          common  stockholders  other than __________ cash dividends,  after the
          effective  date of  this  Agreement,  the  Options  will  be  adjusted
          accordingly;  provided  that in no event will the  exercise  prices be
          increased.

     6.   ADJUSTMENTS  IN THE EVENT OF  SIGNIFICANT  TRANSACTIONS.  In the event
          Gordon introduces,  initiates, or consults to the Company regarding an
          event of a  consolidation  or merger in which the  Company  is not the
          surviving   corporation  or  which  results  in  the   acquisition  of
          substantially all of the Company's  outstanding stock, or in the event
          of the sale or transfer of substantially all the Company's assets or a
          dissolution  or  liquidation  of the  Company,  or in the  event  of a

<PAGE>
          transaction that would  effectively take the Company private or result
          in  the  Company   de-listing   its  shares  of  stock   ("Significant
          Transaction"),  all outstanding options under this Agreement as of the
          effective date of the Significant  Transaction  shall immediately vest
          and become  exercisable  in full and Gordon shall  participate in such
          Significant  Transaction  as  a  stockholder  and  the  Company  shall
          immediately  upon such  exercise  issue and  deliver  shares of Common
          Stock representing the Options.

     7.   EXERCISE PRICE.

          a.   Registered  Shares:  In the event that the shares of Common Stock
               ------------------
               covered by the Options  are  registered  and free  trading at the
               time of exercise,  the exercise prices of the Options are at such
               prices as set forth on Exhibit "A".

          b.   Unregistered  Shares:  In the  event the  shares of Common  Stock
               --------------------
               covered by the Options are not registered and free trading,  then
               the  Company  will carry a zero  interest  promissory  note for a
               period of time  sufficient for Gordon to have the  opportunity to
               sell, in accordance with the restrictive stock sale provisions of
               the Consulting Services  Agreement,  an amount of registered free
               trading  securities  sufficient  to pay the  exercise  price  per
               Exhibit "A".

          c.   Significant   Transaction:   In  the   event  of  a   Significant
               -------------------------
               Transaction,  Gordon will pay the exercise price of the lesser of
               twenty-five  cents ($.25) per share or 30% of the average closing
               bid price for the thirty  trading  days prior to the first day of
               which  either the company  enters into an  agreement to execute a
               significant   Transaction  or  disseminates   any  news  release,
               announcement or other  information to the public or the Company's
               shareholders related to the Significant Transaction. In the event
               of a  Significant  Transaction  the  company  will  carry  a zero
               interest  promissory note for a period of time sufficient for the
               events of the Significant  Transaction to either provide Optionee
               cash  and/or the  opportunity  to sell,  in  accordance  with the
               restrictive  stock sale  provisions  of the  Consulting  Services
               Agreement,  an  amount  of  registered  free  trading  securities
               sufficient to pay the exercise price.

     8.   TERM OF OPTIONS.  This Option  Agreement is valid for the same term as
          the Consulting Services Agreement.

     9.   METHOD OF EXERCISING OPTION. The Options are exercisable by delivering
          a  written  notice  signed by the  Optionee  to the  Secretary  of the
          Company,  which  shall  specify the number of shares to be acquired by
          virtue of the exercise of the  options.  The  Optionee  shall  further
          deliver  the  federal tax  identification  numbers or social  security
          numbers of the Optionee,  the method of payment elected and the amount

<PAGE>
          thereof,  and the exact name in which the shares  will be  registered.
          The Optionee may withdraw notice of exercise of the Option at any time
          before close of business on the business  day  preceding  the exercise
          date.  If a person or persons  other than the Optionee  exercises  the
          Option, such other person or persons must sign such notice.

     10.  DELIVERY  OF  SHARES.  Upon the  exercise  of any  options  under this
          Agreement,  the  Company  will  deliver  to  Gordon,  within  ten (10)
          business   days,  the  stock   certificates   evidencing  the  options
          exercised.

     11.  METHOD OF PAYMENT.

          Registered  Shares:  If the shares are  registered  and free  trading,
          ------------------
          payment  of the  exercise  price for the  shares  purchased  under the
          Options shall be delivered to the Secretary of The Company, within ten
          (10) business  days after  receipt of shares  covered by the exercised
          options, by any combination of the following:

          a.   Cash;

          b.   Certified Check;

          c.   Cashier's Check;

          d.   Wire Transfer;

          e.   Shares of Common  Stock.  Shares  of  common  stock  owned by the
               Optionee  and valued at the closing  price of the common stock at
               the date  that  the  payment  is due by the  Optionee  and  shall
               contain all proper endorsements;

          f.   Broker-Dealer.  The Options are  exercisable  by a  broker-dealer
               acting on behalf of the Optionee if the  broker-dealer  receivers
               the following from the Optionee or the Company:

               i.   This Option Agreement; and
               ii.  Written instructions, signed by the Optionee, requesting the
                    Company to deliver the Shares to the broker-dealer on behalf
                    of such Optionee and  specifying the account into which such
                    Shares should be deposited.

          Unregistered Shares or Significant Transaction:  If the shares are not
          ----------------------------------------------
          registered  and  free  trading  or  in  the  event  of  a  Significant
          Transaction  the  payment  of the  exercise  price  will  be  made  in
          accordance  with the  provisions  of paragraph 7 (b) or (c) herein and
          delivered to the Secretary of the Company. When payment is required it
          shall be made in  accordance  with (a),  (b), (c), (d), (e), or (f) of
          this paragraph.

12.  RIGHT OF EXERCISE.  The Options are exercisable at any time during the term
     -----------------
     of this Option Agreement, in whole or in part, to acquire those Shares that
     have vested in accordance with this Option  Agreement;  provided,  however,
     that this Option may only be  exercisable to acquire whole shares of Common
     Stock.

<PAGE>
13.  APPROVAL.  If required by applicable  law, the Company will obtain board of
     director  and  shareholder  approval of this Option  Agreement  pursuant to
     which the options are covered.  The  resolutions  of the Board of Directors
     and  Shareholders  will authorize the Company to reserve for issuance under
     the Stock Option Plan 35,322,578 shares of the Company's Common Stock.

14.  SECURITIES  REPRESENTATION.  The Company is  obligated  to have  previously
     registered the shares of Common Stock covered by these Options, however, as
     of the date of this  Agreement  the  shares of Common  Stock  have not been
     registered  but  this  in no  way  eliminates  or  modifies  the  Company's
     obligation  to register all shares of common Stock  subject to the Options.
     However,  Optionee  understands that until such shares are registered there
     are certain restrictions upon the sale and transfer of such shares and Rule
     144 and/or Rule 701 under the  Securities  Act of 1933 may be  available in
     connection  with any  resale of shares of  Common  Stock.  Optionee  hereby
     represents  (and  promises to so  represent  upon any  exercise  under this
     Option)  that as of the dates any  unregistered  shares of Common Stock are
     hereafter acquired by Optionee,  such unregistered shares shall be acquired
     for  Optionee's  own  account,  for  investment  and not  with a view to be
     distribution thereof.

     Company  represents  and warrants  that upon the  exercise of Options,  the
     Company  will  notify  Gordon  as  to  the  number  of  shares  issued  and
     outstanding  of the  Company  so that  Gordon may  comply  with  applicable
     Securities Laws.

15.  MISCELLANEOUS

     a.   Registration  Rights.  The company shall register the shares of Common
          --------------------
          Stock  represented  by the Options  with the  Securities  and Exchange
          Commission  pursuant to a registration  statement  (Securities Acts of
          1933 and  1934) as soon as  practicable  following  execution  of this
          Agreement  and in any event no later than one (1) month  following the
          execution date of this Agreement.

     b.   Notification.   The  Company   shall  notify  the  Optionee  that  the
          ------------
          registration  statement has been filed within five business days after
          such filing. The Company shall include in such registration  statement
          all  shares  of  Common  Stock  subject  to  this  Option   Agreement,
          regardless  of  whether  such  shares  of Common  Stock  have been the
          subject of an exercise or are currently vested.

     c.   Modification.   This  Agreement  may  not  be  modified,   changed  or
          ------------
          terminated verbally,  and may only be modified,  changed or terminated
          by an -  agreement  in  writing  signed  by  the  party  against  whom
          enforcement  of  any  such  change  of  termination  is  sought.   Any

<PAGE>
          modification  or change or  termination  of this  Agreement  shall not
          operate to deny or  otherwise  take away any right of the  Optionee to
          exercise  the  Options to the  extent of the  vested  rights set forth
          herein.

     d.   No Minimum Engagement. The company shall not be deemed by the grant of
          ---------------------
          the Options (as distinguished  from the separate  Consulting  Services
          Agreement) to be required to engage  Optionee for any minimum  period,
          nor is Gordon  required to perform any further duties or functions for
          the Company.

     e.   Shareholder  Rights Prior to and after  Exercise.  Optionee  shall not
          -------------------------------------------------
          have any rights as a shareholder with respect to any shares covered by
          the Options  until the date of the exercise of each of the Options and
          tender of payment  pursuant  to the terms and  conditions  for payment
          hereunder.  No adjustment  shall be made for dividends or other rights
          related to shares of Common  Stock for which the record  date is prior
          to the date the Option is exercised.  The delay or refusal on the part
          of the Company in issuing the stock certificates evidencing the shares
          of Common Stock subject to an exercise of the Options shall not result
          in a limitation,  restriction or denial of the Optionee's  rights as a
          shareholder of the Company subsequent to such exercise.

     f.   Governing  Law.  The  laws of the  State  of Texas  shall  govern  the
          --------------
          validity,   construction  and  performance  of  this  agreement.   Any
          invalidity  of any  provision of this  Agreement  shall not affect the
          validity of any provision.

     g.   Notice. All offers, notices, demands,  requests,  acceptances or other
          ------
          communications  hereunder  shall be in writing  and shall be deemed to
          have been duly made or given if  mailed  by  registered  or  certified
          mail, return receipt requested.  Any such notice mailed to the Company
          shall be addressed to its principal  office,  and any notice mailed to
          Optionee  shall be addressed  to  Optionee's  residence  address as it
          appears on the  signature  page hereof or the books and records of the
          Company  or to such  other  address  as  either  party  may  hereafter
          designate in writing to the other.

     h.   Third Party  Beneficiaries.  This Agreement shall inure to the benefit
          --------------------------
          of and bind the legal  representatives,  successors and assigns of the
          parties hereto.

     i.   No  Obligation  to Exercise.  To Optionee  shall have no obligation to
          ----------------------------
          exercise any Option granted by this Agreement.

<PAGE>
IN  WITNESS  WHEREOF, THIS AGREEMENT IS EXECUTED EFFECTIVE AS OF THE GRANT DATE.
GORDON  &  ASSOCIATES  STRATEGIC  INVESTMENTS,  INC.

By:     _______________________________________
          Denis  Gordon,  President

Address:  11191  Westheimer  #330
          Houston,  Texas  77024

PINNACLE  BUSINESS  MANAGEMENT,  INC.

By:     ________________________________________
        Jeff  Turino,  Chief  Executive  Officer

By:     ________________________________________
        M.  Bruce  Ball,  President

Address:     2963 Gulf to Bay Blvd., Suite 265
             Clearwater,  Florida  33759

<PAGE>
                                                                  Exhibit 10.2.2

                            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). By

<PAGE>
     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>

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