Document:

EXHIBIT  10.10

                                                             Document is copied.
                           M. H. MEYERSON & CO., INC.
                                  Founded 1960
                         Brokers & Dealers in Securities
                                  Underwriters
                              Newport Office Tower
          525 Washington Blvd., P.O. Box 260 Jersey City, NJ 07303-0260
               201-459-9500  -- 800-888-8118 --- Fax 201-459-9521

Mr.  Jeff  Turino
Chief  Executive  Officer
Pinnacle  Business  Management,  Inc.
2963  Gulf  to  Bay,  Suite  265
Clearwater,  FL  33759

Dear  Mr.  Turino:

     THIS  AGREEMENT  (the  "AGREEMENT")  is  made as of August 18, 1999 between
Pinnacle  Business  Management, Inc. ("PINNCLE") NASDAQ symbol; "PCBM", and M.H.
Meyerson  &  Co.,  Inc.  ("MEYERSON").

     In  consideration of the mutual covenants contained herein and intending to
be  legally  bound  thereby,  PINNACLE  and  MEYERSON  hereby  agree as follows:

          1.   MEYERSON  will  perform   investment   banking  services,   on  a
               non-exclusive  basis,  for  PINNACLE on the terms set forth below
               for a period of five years from the date  hereof.  Such  services
               will be  performed  on a best  efforts  basis  and will  include,
               without   limitation,   assistance   to   PINNACLE   in  mergers,
               acquisitions,  and internal capital structuring and the placement
               of new debt and equity  issues of PINNACLE all with the objective
               of accomplishing PINNACLE's business and financial goals. In each
               instance,  MEYERSON shall endeavor, subject to market conditions,
               to  assist  PINNACLE  in  identifying  corporate  candidates  for
               mergers and acquisitions and sources of private and institutional
               funds;  to provide  planning,  structuring,  strategic  and other
               advisory  services to PINNACLE;  and to assist in negotiations on
               behalf of PINNACLE.  MEYERSON will have the option to perform all
               financings  to be done by PINNACLE for as long as this  AGREEMENT
               is in  effect.  In  each  instance,  MEYERSON  will  render  such
               services as to which  PINNACLE  and MEYERSON  mutually  agree and
               MEYERSON  will  exert its best  efforts to  accomplish  the goals
               agreed to by MEYERSON and PINNACLE.

          2.   In connection with the  performance of this  AGREEMENT,  MEYERSON
               and  PINNACLE   shall  comply  with  all   applicable   laws  and
               regulations, including, without limitation, those of the National
               Association  of Securities  Dealers,  Inc. and the Securities and
               Exchange Commission.

          3.   In  consideration of the services  previously  rendered and to be
               rendered  by  MEYERSON  hereunder,  MEYERSON  is  hereby  granted
               five-year Warrants to

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               purchase,  at a price of $.125 per  share,  a total of  5,580,000
               shares of common  Stock of  PINNACLE,  with demand and piggy back
               registration  rights  as set  forth in  paragraph  4 below.  Such
               Warrants ("MEYERSON  Warrants") may be exercised at any time from
               August 18, 1999 to and  including  August 18, 2004. In any event,
               the  MEYERSON  Warrants  shall  vest and  become  irrevocable  as
               follows:   2,790,000   immediately   upon  the  signing  of  this
               AGREEMENT,  1,395,000  four  months  after  the  signing  of this
               AGREEMENT;  and the  remaining  1,395,000 in six months after the
               signing of this  AGREEMENT.  After one year from the date of this
               AGREEMENT,  MEYERSON shall have, at MEYERSON's discretion, both a
               cashless  exercise  option to exercise the Warrants and rights of
               registration  as described in 4 below.  If the cashless  exercise
               option is exercised, it would be accomplished by surrendering the
               vested  Warrants and replacing them with the equivalent of shares
               that may be sold under  Rule 144.  The amount of shares of common
               stock of  PINNACLE  to be issued will be based on the fair market
               value  per share on the date of  exercise  and shall be valued at
               the average of the daily closing  price for the five  consecutive
               trading days  immediately  preceding  the date of  exercise.  The
               presentation  of a copy of this  AGREEMENT by MEYERSON,  together
               with a request that part or all of the Warrant be exercised and a
               direction  that the  appropriate  number of shares be withheld to
               pay the exercise  price,  shall be deemed to be the  surrender of
               such number of shares for  purposes of  exercising  the  cashless
               exercise option.

          4.   In addition  to the  exercise  format  described  in  paragraph 3
               above, an additional  registration route may also be available to
               MEYERSON, at their sole discretion,  which is as follows;  during
               the period from August 18, 2000 to August 18, 2004 the holders of
               at least 51% of: (i) the MEYERSON  Warrants  not then  exercised;
               and (ii) the shares previously issued upon exercise of any of the
               MEYERSON  Warrants  (hereinafter,   collectively,  the  "MEYERSON
               EQUITY"),  may demand,  on one occasion  only,  that  PINNACLE at
               PINNACLE's expense,  promptly file a Registration Statement under
               the  Securities  Act of 1933,  as  amended  ("ACT"),  to permit a
               public offering of the shares of Common Stock issued and issuable
               pursuant to  exercise of the  MEYERSON  Warrants  (the  "MEYERSON
               SHARES"). Additionally, if PINNACLE during the period from August
               18,  2000 to  August  18,  2004  files a  Registration  Statement
               covering  the  sale  of  any of  PINNACLE's  common  stock,  then
               PINNACLE on each such occasion,  at the request of the holders of
               at least 51% of the shares and warrants constituting the MEYERSON
               EQUITY,  shall  include in any such  Registration  Statement,  at
               PINNACLE's  expense,  the MEYERSON SHARES,  provided that, if the
               sale  of   securities  by  PINNACLE  is  being  made  through  an
               underwriter  and the  underwriter  objects  to  inclusion  of the
               MEYERSON  SHARES  in the  Registration  Statement,  the  MEYERSON
               SHARES shall not be so included in the Registration  Statement or
               in any  registration  statement  filed  within 90 days  after the
               effective date of the underwritten Registration Statement.

          5.   In the  event  that  PINNACLE  files to  honor  the  exercise  by
               MEYERSON of any vested  warrants as set forth herein,  by failing
               to deliver the certificate(s)

<PAGE>
               for the underlying  shares of common stock to MEYERSON  within 10
               days after such  exercise  then  MEYERSON may take legal  action,
               without  further  notice to PINNACLE  to obtain  such  underlying
               shares,  and  PINNACLE  agrees  to pay  all  damages,  costs  and
               expenses incurred by MEYERSON,  including  reasonable  attorneys'
               fees. In addition to any other damages sustained by MEYERSON as a
               result of PINNACLE's  failure to honor such  exercise,  including
               any diminution in the value of the  underlying  shares over time,
               PINNACLE  agrees  that  it will  pay  MEYERSON  interest,  at the
               average prime rate based on New York City banking  levels for the
               prior six months, on the market value of the underlying shares as
               of the 10th day after the exercise,  for the period  beginning on
               the  10th  day  after  the  exercise  and  ending  on the day the
               certificates for the underlying shares are received by MEYERSON.

          6.   In PINNACLE should,  at any time, or from time to time hereafter,
               effect  a  stock  split,   a  reverse  stock  split,  a  business
               combination,  a  recapitalization  or  merger,  the  terms of the
               MEYERSON Warrant shall be proportionately adjusted to prevent the
               dilution or enlargement of the rights of the MEYERSON interest.

          7.   The  obligation  of  PINNACLE to register  the  MEYERSON  SHARES,
               including  the shares  issuable  upon  exercise  of the  MEYERSON
               Warrants,  pursuant to the demand or the piggy back  registration
               rights set forth in paragraph 6 above, shall be without regard to
               whether the MEYERSON Warrants have been or will be exercised.

          8.   PINNACLE  agrees  that,  for a period of three (3) years from the
               date of this  AGREEMENT,  PINNACLE will utilize the  registration
               exemption  set forth in Regulation S under the ACT, nor issue any
               security with a downward  ratchet  dilution  program  without the
               consent  of  MEYERSON,  which  consent  will not be  unreasonably
               withheld.

          9.   The AGREEMENT  constitutes and entire Warrant  Agreement  between
               the  parties and when a copy hereof is  presented  to  PINNACLE's
               transfer  agent,  together with a request that all or part of the
               MEYERSON Warrant be exercised and a certified check in the proper
               amount or a direction,  pursuant to the cashless exercise option,
               that shares be withheld to pay for the exercise, the certificates
               for the  appropriate  number of shares of Common  Stock  shall be
               promptly issued.

          10.  Upon the execution of this  AGREEMENT,  PINNACLE shall include in
               its next annual  report and filings the  highlights  and terms of
               this investment banking AGREEMENT.

          11.  Upon the signing of this  AGREEMENT,  PINNACLE shall pay MEYERSON
               $10,000 as a non-accountable and non-refundable expense allowance
               for due diligence and general compliance  review.  MEYERSON shall
               be entitled to additional compensation,  to be negotiated between
               MEYERSON and  consummated by PINNACLE or are executed by MEYERSON
               at  PINNACLE's  request,  during  the  term  of  this

<PAGE>
               AGREEMENT  to the  extent  that such  compensation  is normal and
               ordinary for such  transactions.  In addition,  MEYERSON shall be
               reimbursed by PINNACLE for any reasonable  out-of-pocket expenses
               that PERSON may incur in connection with rendering any service to
               or on behalf of PINNACLE that is approved, in writing, in advance
               by PINNACLE's chief Executive Officer.

          12.  PINNACLE agrees to indemnify and hold MEYERSON and its directors,
               officers  and  employees  harmless  from and  against any and all
               losses, claims, damages,  liabilities,  costs or expenses arising
               out of any action or cause of action brought against  MEYERSON in
               connection  with its  rendering  services  under  this  AGREEMENT
               except for any losses,  claims,  damages,  liabilities,  costs or
               expenses  resulting  from any violation by MEYERSON of applicable
               laws and regulations including,  without limitation, those of the
               National Association of Securities Dealers,  Inc., the Securities
               and Exchange  Commission  or any state  securities  commission or
               from any act of MEYERSON  involving willful misconduct and except
               that  PINNACLE  shall  not be  liable  for  any  amount  paid  in
               settlement of any claim that is settled without its prior written
               consent.

          13.  MEYERSON agrees to indemnify and hold PINNACLE and its directors,
               officers  and  employees  harmless  from and  against any and all
               losses claims, damages, liabilities,  costs or expenses resulting
               from any violation by MEYERSON of applicable laws and regulations
               including,  without limitation, those the National Association of
               Securities Dealers,  Inc., the Securities and Exchange Commission
               or any state  securities  commission  or from any act of MEYERSON
               involving willful misconduct.

          14.  Within 90 days of the date of this AGREEMENT, a representative of
               MEYERSON  will  visit the  corporate  headquarters  of  PINNACLE.
               PINNACLE will submit to MEYERSON a current  business plan setting
               forth how PINNACLE plans to proceed over the next two (2) years.

          15.  Nothing  contained  in  this  AGREEMENT  shall  be  construed  to
               constitute MEYERSON as a partner, employee, or agent of PINNACLE;
               nor shall  either  party have any  authority to bind the other in
               any respect, in being intended that MEYERSON is, and shall remain
               an independent contractor.

          16.  This AGREEMENT may not be assigned by either party hereto, except
               that  MEYERSON  may  assign  any or all  of its  Warrants  to its
               employees,  and shall be interpreted in accordance  with the laws
               of the State of New Jersey  applicable to agreements  negotiated,
               entered  into,  and  performed  wholly  within  the  State of New
               Jersey,  and shall be binding upon the successors of the parties.
               Either party may terminate this  AGREEMENT at any time,  however,
               legally vested Warrants will remain with MEYERSON.

<PAGE>
          17.  If any paragraph, sentence, clause or phrase of this AGREEMENT is
               for any reason declared to be illegal, invalid, unconstitutional,
               void or unenforceable,  all other paragraphs,  sentences, clauses
               or  phrases  hereof not so held shall be and remain in full force
               and effect.

          18.  None of the terms of this AGREEMENT  shall be deemed to be waived
               or modified  except by an express  agreement in writing signed by
               the party against whom enforcement of such waiver or modification
               is sought.  The  failure  of either  party at any time to require
               performance by the other party of any provision  hereof shall, in
               no way, affect the full right to require such  performance at any
               time thereafter. Nor shall the waiver by either party of a breach
               of any  provision  hereof  be taken or held to be a waiver of any
               succeeding  breach  of  such  provision  or as a  waiver  of  the
               provision itself.

          19.  Any dispute,  claim or controversy  arising out of or relating to
               this  AGREEMENT,  or the  breach  thereof,  shall be  settled  by
               arbitration  in Jersey City, New Jersey,  in accordance  with the
               commercial   Arbitration   Rules  of  the  American   Arbitration
               Association. The parties hereto agree that they will abide by and
               perform any award rendered by the arbitrator(s) and that judgment
               upon  any  such  award  may be  entered  in any  Court,  state or
               federal,  having  jurisdiction  over the party  against  whom the
               judgment  is being  entered.  Any  arbitration  demand,  summons,
               complaint,  other process, notice of motion, or other application
               to an  arbitration  panel,  Court or Judge,  and any  arbitration
               award  or  judgment  may be  served  upon  any  party  hereto  by
               registered or certified mail, or by personal service,  provided a
               reasonable time for appearance or answer is allowed.

          20.  For  purposes of  compliance  with laws  pertaining  to potential
               inside information being distributed  unauthorized to anyone, all
               communications   regarding  PINNACLE;   confidential  information
               should only be directed to Martin H. Meyerson,  Chairman, Michael
               Silvestri,   President,   or  Joseph  Messina,   Vice  President,
               Compliance.  If  information  is being  faxed,  our  confidential
               compliance fax number is (201) 459-9534 for communication use.

     IN  WITNESS  WHEREOF, the parties hereto have executed this AGREEMENT as of
the  day  and  year  set  forth  above.

     M.H.  MEYERSON  &  CO.,  INC.          PINNACLE  BUSINESS  MANAGEMENT, INC.

By:           /s/                           By:         /s/
     ------------------------------               ------------------------------
      Michael  Silvestri                               Jeff  Turino
      President                                    Chief  Executive  Officer

<PAGE>EXHIBIT  10.11

                                                             Document is copied.
                              EMPLOYMENT AGREEMENT
                             DATED OCTOBER 14, 1997
                                     BETWEEN
                       PINNACLE BUSINESS MANAGEMENT, INC.
                                       AND
                               MICHAEL BRUCE HALL

Michael  Bruce Hall ("Executive") and Pinnacle Business Management Inc. a Nevada
corporation  ("Company") hereby agrees to "The Employment Agreement" as follows:

1.   Term

     Pinnacle  Business  Management  Inc.  shall  employ  Michael Bruce Hall and
Michael Bruce Hall accepts such employment beginning on the date of October 14th
1997  and  ending  October  13,  2002,  upon  the terms and conditions set forth
herein,  unless  earlier  terminated  in  accordance  with  provisions  herein.
Notwithstanding  the foregoing, if this Agreement shall not have been terminated
in  accordance  with  the  provisions herein on or before October 13th 2002, the
remaining  term  of  the Agreement shall be extended such that at each and every
moment  of  time thereafter, the remaining term shall be one year unless (a) the
Agreement  is  terminated  earlier  in  accordance  with  the provisions herein.

2.   Duties

     Executive  shall  devote  substantially all of his time and best efforts to
the performance of the duties of that position so long as his employment in that
position  shall  be  continued by PBM.  Company agrees to nominate Executive for
election to the Board as a member of the management slate at each annual meeting
of  stockholders  during  his employment hereunder at which Executive's director
class  comes up for election.  Executive shall report directly and solely to the
Company's  Board of Directors ("Board").  Executive agrees to serve on the Board
if elected.  Notwithstanding the above, Executive shall be permitted to serve as
a  Director  or  Trustee  of other organizations, provided such service does not
pose a conflict of interest or prevent Executive from effectively performing his
duties  under  this  Agreement.

3.   Salary

     Executive  shall  be  employed  by  the  Company  in  a  full time salaried
position,  as  its  President.  Executive shall receive an annual base salary of
$104,000  with additional increases at least annually as deemed necessary by the
Board,  in  its discretion.  In the event the company cannot meet the executives
compensation  the  executive  may  either  defer the compensation and accrue the
salary  or take the difference in common stock at the rate of one share for each
dollar  not  received  in  the first year.  In years two through five stock at a
rate  equal  to shares purchased by the dollar difference of the paid versus non
paid  salary  at an average price of the last thirty days in the trading year of
the  stock.

<PAGE>
4.   Bonus

     (a)  Executive  shall, as provided in, and subject to, paragraph (e) below,
          receive an incentive bonus for Company's  fiscal years ending December
          31, 1997.  And  December  31,  1998,  in an amount equal to 5% of that
          portion of the pre tax income of Company  for each such fiscal year as
          reported by the Company for that fiscal year,  or 50% of annual salary
          compensation which ever is more.

     (b)  Executive  shall, as provided in, and subject to, paragraph (e) below,
          receive an incentive bonus for each fiscal year of Company which shall
          end after  December 31, 1997 and on or before the  termination of this
          Agreement and for such additional periods as are provided in paragraph
          (e)  below,  in an amount  equal to 5% of that  portion of the pre tax
          income of Company for each such fiscal year as reported by the Company
          for that fiscal year.

     (c)  In the event that there shall be a  combination  of the  Company  with
          another  company or a capital  restructuring  of the  Company,  or any
          other  occurrence  similar  to any of the  foregoing,  and as a result
          thereof the amount or value of the bonuses payable  pursuant to either
          of both of the  bonus  formulas  set forth in  paragraphs  (a) and (b)
          above would be, or could  reasonably be expected to be,  significantly
          affected thereby, appropriate(s) will, at the request or either party,
          be negotiated to establish a substitute formula or formulas, or if the
          parties  cannot agree as to whether or not an  occurrence  which would
          give  rise to the  right  of  either  party to  request  adjustment(s)
          pursuant to the foregoing has occurred,  the parties shall submit such
          matter to arbitration by a qualified individual investment banker with
          at least ten  years'  experience  in  corporate  finance  with a major
          investment  banking firm.  Neither said firm or said individual  shall
          have had dealings with either party during the  preceding  five years.
          Upon failure to agree upon the selection of the arbitrator, each party
          shall submit a panel of five qualified arbitrators, of the other party
          may strike  three  from  other's  list,  and the  arbitrator  shall be
          selected by a lot from the remaining four names.  The arbitrator shall
          have the  authority  only to  determine  (I)  whether  the  matter  is
          arbitrable under the conditions of this  subparagraph (c) and (ii) the
          substitute  formula  or  formulas  that will yield and  equitable  and
          comparable result in accordance with the foregoing.

     (d)  Each  incentive  bonus shall be payable (i) 30 days following the date
          Company's audited consolidated  statement of income for the applicable
          fiscal year becomes  available or (ii) on the January 2 following  the
          end of that  fiscal  year,  whichever  is later  (the  "Bonus  Payment
          Date").

     (e)  Executive  shall be  entitled  to receive  the bonus  provided  for in
          paragraph  (a) or  paragraph  (b) above,  as the case may be, for each
          fiscal year during  which he is employed  hereunder  and, in addition,
          for the next twenty-four  months after  termination of his employment,
          except  that  said  post-termination

<PAGE>
          bonus   coverage  (I)  shall  only  extend  for  twelve  months  after
          termination  if Executive  takes  employment  with another major Title
          Loan,  Real Estate or  competitive  company  within  twelve  months of
          termination  and (ii) shall not apply if Executive has been discharged
          for good cause.  The bonus  formula set forth in  paragraph  (a) above
          shall be applicable to any part or all of any period prior to December
          31, 1998 in respect of which a post-termination  bonus is payable, and
          the formula set forth in paragraph  (b) above shall be  applicable  to
          any part or all of any period  after  December  31, 1998 in respect of
          which a post-termination bonus is payable.

5.   Bonus  Payments

     (a)  Bonuses for the fiscal years ending December 31, 1997 and December 31,
          1998 shall be payable in cash.

     (b)  Bonuses  for fiscal  years  ending  after  December  31, 1998 shall be
          payable  in cash or a  combination  of cash and  Restricted  Stock (as
          hereinafter  defined) as follows:  that  portion of the bonus for each
          such  fiscal  year which does not  exceed the Liquid  Cash  Available.
          Wherewith if the amount of the bonus  calculated  in  accordance  with
          Section  4(b)  hereof  shall  exceed the Liquid  Cash  Available,  the
          remaining  unpaid  portion of such bonus  shall  (except at  otherwise
          provided in Section 12(a) (ii) hereof be payable in Restricted  Stock.
          For purposes of the foregoing,  the term "Liquid Cash Available" shall
          mean,  the  unallocated  money  available  in the  Operating  Checking
          Account.

     (c)  For purposes of this Agreement the term "Restricted  Stock" shall mean
          shares of Company common stock which are issued to Executive  pursuant
          to Company's  1997 Stock  Incentive  Plan (the  "Plan") in  accordance
          with,  and  subject  to,  the  following  terms,   restrictions,   and
          conditions:

          (i)  All shares of  Restricted  Stock  shall be subject to  forfeiture
               (i.e., all right, title, and interest of Executive in such shares
               shall cease and such shares  shall be returned to Company with no
               compensation of any nature being paid therefore to Executive), if
               Executive's  employment with Company is terminated for good cause
               as defined in Section 10(a)(iii).  Any shares of Restricted Stock
               issued to  Executive  after  December 31, 2002 shall be deemed to
               have  been  issued  subject  to  restrictions  which  shall  have
               expired,  and  accordingly,  will  be  free  of all  restrictions
               hereunder.

          (ii) During the  Restricted  Period,  Executive will have voting right
               and will receive dividends (if available) and other distributions
               with respect to shares

<PAGE>
               of  Restricted  Stock  issued to him but will not be permitted to
               sell, pledge, assign, convey,  transfer, or otherwise alienate or
               hypothecate such shares.

          (iii)All  restrictions  on the shares of  Restricted  Stock  issued to
               Executive  hereunder will  immediately  lapse in the event of the
               death of Executive  or  disability  of  Executive  resulting in a
               termination   of  employment  by  company   pursuant  to  Section
               10(a)(ii) hereof.

          (iv) All restrictions on the stock will lapse immediately in the event
               company  enters into an  agreement  pursuant to which  either the
               Company or all or substantially  all of its assets are to be sold
               or combined  with another  entity  (regardless  of whether or not
               such  sale or  combination  is  subject  to the  satisfaction  of
               conditions precedent or subsequent) and as a consequence thereof,
               the market for public  trading of Company  common stock would be,
               or could  reasonably be expected to be,  eliminated or materially
               impaired.

          (v)  Executive shall enter into an escrow agreement providing that the
               certificate(s)  representing  Restricted Stock issued to him will
               remain in the physical  custody of company (or and escrow  holder
               selected  by  Company)  until all  restrictions  are  removed  or
               expire.

          (vi) Each   certificate   representing   Restricted  Stock  issued  to
               Executive will bear a legend making appropriate  reference to the
               terms,  conditions,  and  restrictions  imposed.  Any  attempt to
               dispose  of  Restricted  Stock in  contravention  of such  terms,
               conditions  and   restrictions,   irrespective   of  whether  the
               certificate  contains such a legend, shall be ineffective and any
               disposition purported to be effected thereby shall be void.

          (vii)Any shares or other  securities  received by Executive as a stock
               dividend  on,  or as a  result  of  stock  splits,  combinations,
               exchanges of shares, reorganizations,  mergers, consolidations or
               otherwise  with respect to shares of Restricted  Stock shall have
               the same terms,  conditions,  and  restrictions and bear the same
               legend as Restricted Stock.

     (d)  In determining  the number of shares of Restricted  Stock to be issued
          in respect of any bonus,  the  Restricted  Stock will be valued on the
          basis of the average  closing price of Company common stock during the
          period  starting on the third  business  day and ending on the twelfth
          business day following the release for  publication  by Company of its
          annual  summary  statement of sales and  earnings  for the  applicable
          fiscal  year  (as  such  release  is defined by Rule 16-b-3 (e)(1)(ii)
          promulgated  by the  Securities  and  Exchange  Commission pursuant to
          the Securities Exchange Act of 1934, as amended).

<PAGE>
     (e)  Company shall in due course after the execution of this Agreement (and
          in no event later than the date Restricted  Stock is first required to
          be issued to  Executive  hereunder)  adopt rules  pursuant to the Plan
          regarding   restricted   stock  which  shall   reflect  the  foregoing
          provisions and such other provisions as are in the reasonable  opinion
          of Company's  counsel  customary with respect to restricted  stock. In
          the event that the Plan should for any reason become  unavailable  for
          the issuance of  Restricted  Stock,  Company shall cause the shares of
          Restricted  Stock  required to be issued to Executive  hereunder to be
          issued pursuant to another plan of Company on  substantially  the same
          terms and conditions as such  Restricted  Stock would have been issued
          under the plan.

6.   Stock  Options

     (a)  Executive  shall be granted  options  pursuant to the Plan to purchase
          (I) beginning  with a  compensation  base of 500,000 shares of Company
          common stock having an exercise  price equal to $.50 per-share (the "A
          Options")  in 1998 and (ii)  500,000  shares of Company  common  stock
          having an exercise  price equal to $1.00 per share in 1999 through the
          year 2002 (the "B Option"). Seventy five percent of both the A Options
          and the B Options will vest in  increments as nearly equal as possible
          on October 14th 2002. The remaining  twenty-five percent of both the A
          Options and the B Options will vest in  increments  as nearly equal as
          possible  on October 8th each year  starting  October  14th 1999,  and
          continuing through October 8th 2002. Such options shall be subject to,
          and  governed by, the terms and  provisions  of the Plan except to the
          extent of  modifications  of such options  which are  permitted by the
          Plan and which are  expressly  provided  for herein.  (i)  Executive's
          options may be increased (in the A&B Options) by a percentage  amount,
          to reflect the  percentage  of fiscal year growth that the company may
          achieve.

     (b)  Executive  agrees to enter into a stock option  agreement with Company
          containing the terms and provisions of such options together with such
          other terms and  conditions as counsel for the Company may  reasonable
          require to assure  compliance with applicable state or federal law and
          stock exchange requirements in connection with the issuance of Company
          stock upon exercise of options to be granted as provided herein, or as
          may be required to comply with the Plan.

     (c)  If Company has not already done so, company shall register Executive's
          shares  pursuant to the  appropriate  form of  registration  statement
          under the Securities  Act o 1933 and shall maintain such  registration
          statement's effectiveness as all required times.

<PAGE>
     (d)  Company  shall,  to the  extent  permitted  by law,  may make loans to
          Executive in  reasonable  amounts on reasonable  terms and  conditions
          during his  employment  by Company to  facilitate  the exercise of the
          options granted to him as described above.

7.   Benefits

     (a)  Executive  shall be entitled to receive all  benefits  generally  made
          available to other executives of company.

     (b)  Company  shall  maintain  during  the  term  hereof  a  minimum  of  a
          $1,000,000  split  dollar life  insurance  policy on his life unless a
          physical  examination  (which  he  agrees  to take)  shows  that he is
          uninsurable.

     (c)  Company shall maintain a full medical coverage for Executives,  spouse
          and children.

     (d)  Personal liability insurance.

     (e)  Company Car Lease

     (f)  Regional Professional Sports Season tickets for gifts

     (g)  Free Financial Counseling, Legal and Accounting advice

     (h)  Health, or Country Club Membership

     (i)  Paid sick leave

     (j)  Vacations  of up to six  weeks  per year or  longer  as the  Board may
          authorize during which time Executive's  compensation shall be paid in
          full and he shall  continue  to  participate  in all other  rights and
          benefits.

     (k)  Travel Expenses inclusive of Airline VIP Clubs

     (l)  Relocation Expenses.

          (i)  Employer shall  reimburse the Executive for  reasonable  expenses
               incurred in  relocation,  but not  confined  to: all costs of the
               physical  move;  en route travel  expenses,  including  hotel and
               meals;  temporary  living  expenses  for  Executive  and  family,
               including  meals,  for up to fifteen (15) weeks;  three (3) house
               hunting  trips for the  Executive  and family;  weekly  commuting
               expenses until Executive has moved;  closing costs and commission
               involved in selling Executive's former residence and purchasing a
               residence in the area of company's

<PAGE>
               desired location.  An additional amount to cover federal,  state,
               and local taxes incurred as a result of the  relocation.  Company
               may provide temporary  financing while the Executive is trying to
               obtain permanent financing.

          (ii) Creative Time: The company  recognizes the value of creativity of
               the Executive if he is allowed  "creative time" in an environment
               that suits and stimulates the executive. The company will pay all
               costs of this  time  off  including  meals  and  lodging  for one
               weekend each quarter in an area of the executives choice to boost
               and  recharge  his  creative  abilities.   These  activities  are
               including but not limited to recreational  activities,  religious
               retreats,  health spas or any other activity deemed  necessary by
               the executive.

8.   Reimbursement  for  Expenses

     Executive  shall be expected to incur various business expenses customarily
incurred  by  person  holding  like  positions,  including  but  not  limited to
traveling,  entertainment  and similar expenses, all of which are to be incurred
by  Executive for the benefit of Company.  Subject to company's policy regarding
the  reimbursement  and  non-reimbursement  of all such expenses), Company shall
reimburse Executive for such expenses from time to time, at Executive's request,
and  Executive  shall  account  to  Company  for  such  expenses.

9.   Protection  of  Company's  Interests

     (a)  During the term of this  Agreement  Executive  shall not  directly  or
          indirectly  engage in competition with, or not own any interest in any
          business  which  competes  with, any business of Company or any of its
          subsidiaries; provided, however, that the provisions of this Section 9
          shall not prohibit  his  ownership of not more than 5% of voting stock
          of any publicly held corporation unless approved by the board.

     (b)  Except for actions taken in the course of his employment hereunder, at
          no time shall  Executive  divulge,  furnish or make  accessible to any
          person  any  information  of  a  confidential  or  proprietary  nature
          obtained by him while in the employ of Company.  Upon  termination  of
          his employment by Company,  Executive  shall return to the Company all
          such  information  which exists in writing or other  physical form and
          all copies thereof in his possession or under his control.

     (c)  Company,   its  successors  and  assigns,   shall,   in  additions  to
          Executive's  services,  be  entitled  to  receive  and  own all of the
          results and proceeds of said services (including,  without limitation,
          literary material and other intellectual property) produced or created
          during the term of Executive's  employment hereunder.  Executive will,
          at  the  request  of  Company,  execute  such

<PAGE>
          assignments,  certificates  of other  instruments  as Company may from
          time to time deem  necessary  or  desirable  to  evidence,  establish,
          maintain,  protect,  enforce  or defend its right or title to any such
          material.

     (d)  Executive recognizes that the services to be rendered by him hereunder
          are of a  character  giving  them  peculiar  value,  the loss of which
          cannot be adequately compensated for in damages, and in the event of a
          breach of this  Agreement by  Executive,  Company shall be entitled to
          equitable  relief  by  way of  injunction  or by any  other  legal  or
          equitable remedies.

10.  Termination  by  Company

     (a)  Company shall have the right to terminate this Agreement after January
          1,  2000  under  the  following  circumstances.   The  company  cannot
          terminate the executive  prior to this date.  (the company  recognizes
          the  value of the  Executives  role in the  critical  first  two years
          following the merger with a public shell).

          (i)  Upon the death of Executive

          (ii) Upon notice from  Company to Executive in the event of an illness
               or other disability which has  incapacitated  him from performing
               his duties for twelve  consecutive  months as  determined in good
               faith by the board.

          (iii)For good cause upon notice from Company,  Termination  by Company
               of  Executive's  employment  for  "good  cause"  as  used in this
               Agreement shall be limited to gross  negligence or malfeasance by
               Executive in the  performance  of his duties under this agreement
               or the voluntary  resignation  by Executive as an employee of the
               company without the prior written consent of the Company.

          (iv) For creating private deals at the expense of Company, not for the
               benefit of the Company and realizing  all of the profits  without
               the knowledge or approval of the Board.

     (b)  If this  Agreement  is  terminated  pursuant to Section  10(a)  above,
          Executive's rights and Company's obligations hereunder shall forthwith
          terminate except as expressly provided in this Agreement.

     (c)  If this Agreement is terminated  pursuant to Section  10(a)(I) or (ii)
          hereof,  Executive  or his estate shall be entitled to receive 100% of
          his  base  salary  for the  balance  of the  term  of this  Agreement,
          together with the bonus  provided for in Section 4(e) hereof.  Company
          may purchase insurance to cover all or any part of its obligations set
          forth  in the  preceding  sentence,  and  Executive  agrees  to take a
          physical examination to facilitate the obtaining of such insurance. If
          the physical examination shows that  Executive  is  uninsurable,  such
          death and disability  benefits  shall  not  be  provided  (except  for
          bonus), and Executive  shall receive  only  normal  Company  levels of
          death and disability benefits.

<PAGE>
     (d)  Whenever  compensation is payable to Executive hereunder during a time
          when he is partially or totally  disabled and such disability  (except
          for the provisions  hereof) would entitle him to disability  income or
          to salary continuation payments from Company according to the terms of
          any plan now or  hereafter  provided  by Company or  according  to any
          Company  policy  in  effect  at  the  time  of  such  disability,  the
          compensation  payable to him hereunder  shall be inclusive of any such
          disability income or salary  continuation and shall not be in addition
          thereto.  If disability  income is payable directly to Executive under
          an  insurance  policy paid for by Company,  the amounts paid to him by
          said insurance  company shall be considered to be part of the payments
          to be made by Company to him  pursuant  to this  Section 10, and shall
          not be in addition thereto.

     (e)  Under  this  agreement   pursuant  to  sections   10(a)(b)(c)(d)   the
          termination  of an  Executive's  contract  for "Good  Cause"  shall be
          determined  and  enforced  by an  unanimous  decision  by the Board of
          Directors.

     (f)  If the  Executive  had  relocated  his  home  for the  benefit  of the
          Company,  upon his  termination  for "Good  Cause"  the  Company  will
          purchase  his home at fair  market  value (if within 5 year  period of
          moving) and relocated him at Company to his original home location.

11.  Termination  by  Executive

     Executive  shall  have  the  right  to  terminate his employment under this
agreement  upon  30  days'  notice to company given within 60 days following the
occurrence  of  any  o  the  following  events:

     (i)  Executive  is not  elected or retained as  President  and  Director of
          company.

     (ii) Company   acts   to   materially   reduce   Executive's   duties   and
          responsibilities  hereunder.  Executive's duties and  responsibilities
          shall not be deemed  materially  reduced for purposes hereof solely by
          virtue of he fact that Company is (or  substantially all of its assets
          are) sold to, or is combined with,  another  entity  provided that (a)
          Executive shall continue to have the same duties and  responsibilities
          with  respect  to  Company's  Loan and Real  Estate  business  and (b)
          Executive  shall report  directly to the chief  executive  officer and
          board of directors of the entity (or individual) that requires Company
          or its assets.

<PAGE>
     (iii)Company acts to change the geographic  location of the  performance of
          Executive's duties from the Tampa Bay metropolitan area.

12.  Consequences  of  Breach  of  Company

     (a)  If this Agreement is terminated  pursuant to Section 11 hereof,  or if
          Company shall terminate Executive's employment under this Agreement in
          any other  way that is a breach  of this  Agreement  by  Company,  the
          following shall apply:

          (i)  Executive shall receive a cash payment equal to the present value
               (based  on a  discount  rate of 9%) of  Executive's  base  salary
               hereunder for the remainder of the term,  payable  within 39 days
               of the date of such termination.

          (ii) Executive  shall be  entitled  to bonus  payments  as provided in
               Sections  4 and 5 above (it being  understood,  however  that all
               such bonus  payments,  if made pursuant to this clause,  shall be
               paid in cash  regardless of whether or not such  payments  exceed
               the Cash Limit).

          (iii)All stock  options  and  Restricted  Stock  granted by Company to
               executive under the Plan or granted by Company to Executive prior
               to the  date  hereof  shall  accelerate  and  become  immediately
               exercisable.

     (b)  The parties  believe that because of the limitations of Section 11(ii)
          the above payments do not constitute "Excess Parachute Payments" under
          Section  280G of the Internal  Revenue  Code of 1954,  as amended (the
          "Code").  Notwithstanding  such  belief,  if  any  benefit  under  the
          preceding  paragraph is determined to be an "Excess Parachute Payment"
          the Company shall pay Executive an additional  amount ("Tax  Payment")
          such that (x) the excess of all Excess Parachute  Payments  (including
          payments under this sentence) over the sum of excise tax thereon under
          section  4999 of the Code and income tax thereon  under  Subtitle A of
          the Code and under  applicable state law is equal to (y) the excess of
          all Excess Parachute Payments (excluding payments under this sentence)
          over  income  tax  thereon  under  Subtitle  A of the Code  and  under
          applicable state law, provided that the company shall not be obligated
          to make a Tax  Payment  in excess o the  value of 6.6667  compensation
          years.  For the purposes hereof,  the value of a "Compensation  Year",
          including stock options and bonus entitlements, is defined as equal to
          two times the base salary set for in Section 3.

13.  Remedies

<PAGE>
     Company recognizes that because of Executive's special talents, stature and
opportunities  in  the  corporate  management  environment,  and  because of the
creative  nature of and compensation practices of said industry and the material
impact  that  individual  projects  can  have  on  and  the company's results of
operations,  in  the  event  of  termination  by Company hereunder (except under
Section  10(a)),  or  in the event of termination by Executive under Section 11,
before  the  end  of  the  agree  term, Company acknowledges and agrees that the
provisions  for  the  consequences  of  such  termination,  do  not constitute a
penalty,  and  such  payments  and  benefits  shall not be limited or reduced by
amounts  Executive  might  earn  or be able to earn from any other employment or
ventures  during  the  remainder  of  the  agreed  term  of  this  Agreement.

14.  CONFLICT  RESOLUTION

     In  case  of  any  dispute  between the Executive and the Company as to the
amount  of  additional  compensation  payable to the Executive in respect of any
fiscal  year,  determination  of  the amount so payable will be determined by an
independent accountant so hired by the Company, made at the request of any party
shall  be  binding  and  conclusive on all parties hereto. In the event that any
action,  suit  or other proceeding in law or in equity is brought to enforce the
provisions  of  this  agreement,  and  such  action results in the awarding of a
judgment  in  favor  of  the Company, all expenses of the Company in conjunction
with  said  action  shall  be  payable  by  the  Executive.

15.  BINDING  AGREEMENT

     This  instrument  shall  be  binding  upon  and  inure  to  the  benefit of
Executive,  his  heirs,  distributees and assigns and company, its successor and
assigns.  Executive  may  not,  without  the  express  written permission of the
Company,  assign  or  pledge  any rights or obligations hereunder to any person,
firm  or  corporation.

16.  AMENDMENT;  WAIVER

     This  instrument  contains the entire agreement of the parties with respect
to  the  employment  of  Executive by Company.   No amendment or modification of
this  agreement shall be valid unless evidenced by a written instrument executed
by  the  parties  hereto.  No  waiver by either party of any breach by the other
party  of  any provision or condition of this Agreement shall be deemed a waiver
of  any similar or dissimilar provision or condition at the same or any prior or
subsequent  time.

17.  GOVERNING  LAW

     (a)  This agreement  shall be governed by and construed in accordance  with
          the laws of the State of Nevada.

<PAGE>
     (b)  The parties are aware that Executive's  obligation to provide services
          to  Company  hereunder  for the full  term of this  agreement  (with a
          minimum of two years and  approximately  five years) The parties agree
          that this Agreement  (together with certain  additional  documents and
          agreements  specifically referred to herein) shall constitute the sole
          and conclusive basis for establishing Executive's compensation for all
          services are provided by him  hereunder,  regardless  of from the date
          hereof,  notwithstanding the further provision of tract employment may
          be referred to as affording a  "presumptive  measure of  compensation"
          for services under such contract. Executive hereby confirms his intent
          to provide  services to the Company under this  Agreement for the full
          term thereof.

18.  NOTICES

     All  notices  which  a party is required or may desire to give to the other
party  under  or; in connection with this Agreement shall be given in writing by
addressing  the  same  to  the  other  party  as  follows:

If  to  Executive  to:
Michael  Bruce  Hall
6825  14th  Ave.  N.
St.  Petersburg,  Florida  33710

If  to  Company  to:
Pinnacle  Business  Management  Inc.
2963  Gulf  To  Bay  Blvd.  Suite  265
Clearwater  Florida  33759

or  at such other places may be designated in writing by like notice. Any notice
shall  be  deemed  to  have  been given within 46 hours after being addressed as
required herein and deposited, first class postage prepaid, in the United States
mail.

IN  WITNESS  THEREOF,  the  parties have executed this agreement this 1st day of
December,  1997,  effective  as  of  the  day  and  year  first  above  written.

      /s/
------   -----------------------------------
Michael  Bruce  Hall
President Pinnacle Business Management, Inc.

      /s/
------   -----------------------------------
Jeffery  G.  Turino
C.E.O. Pinnacle Business Management, Inc.

<PAGE>

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