Exhibit 4.2

Bank of America [LOGO]


                          COMMERCIAL SECURITY AGREEMENT
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Grantor: Decorize. Inc.                       Lendor:   Bank of America, N.A.
         1938 East Phelps                               CCS-Commercial Banking
         Springfield, MO 65802                          M01 800-07-06
                                                        800 Market Street
                                                        St. Louis, MO 63101

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THIS COMMERCIAL SECURITY AGREEMENT dated January 12, 2005, is made and executed
between Decorize, Inc. ("Grantor") and Bank of America, N.A. ("Lender").

GRANT OF SECURITY INTEREST. For valuable consideration, Grantor grants to Lender
a security interest in the Collateral to secure the Indebtedness and agrees that
Lender shall have the rights stated in this Agreement with respect to the
Collateral, in addition to all other rights which Lender may have by law.

COLLATERAL DESCRIPTION. The word "Collateral" as used in this Agreement means
the following described property, whether now owned or hereafter acquired,
whether now existing or hereafter arising, and wherever located in which
Grantor is giving to Lender a security interest for the payment of the
Indebtness and performance of all other obligations under the Note and this
Agreement.

      All Inventory, Chanel Paper, Accounts, Equipment and General Intangibles

In addition, the word "Collateral" also includes all the following, whether now
owned or hereafter acquired, whether now existing or hereafter arising, and
wherever located:

      (A) All accessions, attachments, accessories, tools, parts, supplies,
      replacements of and additions to any of the collateral described herein,
      whether added now or later.

      (B) All products and produce of any of the property described in this
      Collateral section.

      (C) All accounts, general intangibles, instruments, rents, monies,
      payments, and all other rights, arising out of a sale, lease, consignment
      or other disposition of any of the property described in this Collateral
      section.

      (D) All proceeds (including insurance proceeds) from the sale,
      destruction, or other disposition of any of the property described in this
      Collateral section, and sums due from a third party who has damaged or
      destroyed the Collateral or from that party's insurer, whether due to
      judgment, settlement or other process.

      (E) All records and data relating to any of the property
      described in this Collateral section, whether in the form of a writing,
      photograph,  microfilm, microfiche, or electronic media, together with all
      of Grantor's right, title, and interest in and to all computer software
      required to utilize, create, maintain, and process any such records or
      data on electronic media.

Despite any other provision of this Agreement, Lender a nor granted, and will
not have, a nonpurchase money security interest in household goods, to the
extent such a security interest would be prohibited by applicable law. In
addition, if because of the type of any Property, Lender is required to give a
notice of the right to cancel under Truth in Lending for the Indebtedness, then,
Lender will not have a security interest in such Collateral unless and until
such a notice's given.

CROSS COLLATERALIZATION. In addition to the Note, title Agreement secures the
following described additional indebtedness: All obligations, debts and all
liabilities, including any swap, option or forward obligations, plus interest
thereon, of Borrower to Lender, or any one or more of them, as well as all
claims by lender against Borrower or any other party to this Agreement or any
one or more of them, whether now existing or hereafter arising, whether related
or unrelated to the purpose of the Note, whether voluntary or otherwise, whether
due or not due, direct or indirect, absolute or contingent, liquidated or
unliquidated and whether Borrower or any other party to this Agreement may be
liable individually or jointly with others, whether obligated as guarantor,
surety, accommodation party or otherwise, and whether recovery upon such amounts
may be or hereafter may become barred by any statute of limitations, and whether
the obligation to repay such amounts may be or hereafter may become otherwise
unenforceable. Unless the Borrower and any other party to this Agreement shall
have otherwise agreed in writing or received written notice thereof, this
Agreement shall not secure any obligation owing to Lender which constitutes
"consumer credit" subject to the disclosure requirements of the Federal Truth in
Lending Act and any regulations promulgated thereunder.

RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a
right of setoff in all Grantor's accounts with Lender (whether checking,
savings, or some other account). This includes all accounts Grantor holds
jointly with someone else and all accounts Grantor may open in the future.
However, this does not induce any IRA or Keogh accounts, or any trust accounts
for which setoff would be prohibited by law. Grantor authorizes Lender, to the
extent permitted by applicable law, to charge or setoff all sums owing on the
Indebtedness against any and all such accounts.

GRANTOR'S REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THE COLLATERAL. With
respect to the Collateral, Grantor represents and promises to Lender that:

      Perfection of Security Interest. Grantor agrees to take whatever actions
      are requested by Lender to perfect and continue Lender's security interest
      in the Collateral. Upon request of Lender, Grantor with deliver to Lender
      any and all of the documents evidencing or constituting the Collateral,
      and Grantor will note Lender's interest upon any and all chattel paper and
      instruments if not delivered to Lender for possession by Lender. This is a
      continuing Security Agreement and will continue in effect even though all
      or any part of the Indebtedness is paid in full and even though for a
      period of time Grantor may not be Indebted to Lender.

      Notices to Lender - Grantor will promptly notify Lender in writing at
      Lender's address shown above lot such other addresses as Lender may
      designate from time to time prior to any (1) change in Grantor's name;
      (2) change in Grantor a assumed business name; (3) change in the
      management of the Corporation Grantor; (4) change in the authorized
      signers(s); (5) change in Grantor's principal office address: (6) change
      in Grantor's state of organization; (7) conversion of Grantor to a new or
      different type of business entity; or (8) change in any other aspect of
      Grantor that directly or indirectly relates to any agreements between
      Grantor and Lendor. No change in Grantor's name or state of organization
      will take effect until after Lender has received notice.

      No Violation. The execution and delivery of this Agreement will not
      violate any law or agreement governing Grantor or to which Grantor is a
      party, and its certificate or articles of incorporation and bylaws do not
      prohibit any term or condition of this Agreement.

      Enforceability of Collateral. To the extent the Collateral consists of
      accounts, chattel paper, or general intangibles, as defined by the Uniform
      Commercial Code, the Collateral is enforceable in accordance with its
      terms, is genuine, and fully compiles with all applicable laws

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                                                          Page 2

and regulations concerning form, content and manner of preparation and
execution, and all persons appearing to be obligated on the Collateral have
authority and capacity to contract and are in fact obligated as they appear to
be on the Collateral. At the time any account becomes subject to a security
interest in favor of Lender, the account shell be a good and valid account
representing an undisputed, bona fide indebtedness incurred by the account
debtor, for merchandise held subject to delivery instructions or previously
shipped or delivered pursuant to a contract of sale, or for services previously
performed by Grantor with or for the account debtor. So long as this Agreement
remains in effect, Grantor shall not, without Lender's prior written consent,
compromise, settle, adjust, or extend payment under or with regard to any such
Accounts. There shall be no setoffs or counterclaims against any of the
Collateral, and no agreement shall have been made under which any deductions of
discounts may be claimed concerning the Collateral except those disclosed to
Lender in writing.

Location of the Collateral. Except in the ordinary course of Grantor's business,
Grantor agrees to keep the Collateral (or to the extent the Collateral consists
of intangible property such as accounts or general intangibles, the records
concerning the Collateral) at Grantor's address shown above or at such other
locations as are acceptable to Lender. Upon Lender's request, Grantor will
deliver to Lender in form satisfactory to Lender a schedule of real properties
and Collateral locations relating to Grantor's operations, including without
limitation the following: (1) all real property Grantor owns or is purchasing;
(2) all real property Grantor is renting or leasing: (3) all storage facilities
Grantor owns, rents, leases, or uses; and (4) all other properties where
Collateral is or may be located.

Removal of the Collateral. Except in the ordinary course of Grantor's Business,
including the sales of inventory, Grantor shell not remove the Collateral from
its existing location without Lender's prior written consent. To the extent
that the Collateral consists of vehicles, or other titled property, Grantor
shall not take or permit any action which would require application for
certificates of title for the vehicles outside the State of Delaware, without
Lender's prior written consent. Grantor shall, whenever requested, advise Lender
of the exact location, of the Collateral.

Transactions Involving Collateral - Except for inventory sold or accounts
collected in the ordinary course of Grantor's business, or as otherwise provided
for in this Agreement, Grantor Shall not sell, offer to sell, or otherwise
transfer or dispose of the Collateral. While Grantor is not in default under
this Agreement, Grantor may sell inventory, but only in the ordinary course of
its business and only to buyers who qualify as a buyer in the ordinary course of
business. A sale in the ordinary course of Grantor's business does not include a
transfer in partial or total satisfaction of a debt or any bulk sale. Grantor
shall not pledge, mortgage, encumber or otherwise permit the Collateral to be
subject to any lien, security interest, encumbrance, or charge other than the
security interest provided for in this Agreement, without the prior written
consent of Lender. This includes security interests even if junior in right to
the security interests granted under this Agreement. Unless waived by Lender,
all proceeds from any disposition of the Collateral (for whatever reason) shall
be held in trust for Lender and shall not be commingled with any other funds;
provided however, this requirement shall not constitute consent by Lender to any
sale or other disposition. Upon receipt, Grantor shall immediately deliver any
such proceeds to Lender.

Title. Grantor represents and warrants to Lender that Grantor holds good and
marketable title to the Collateral, free and clear of all liens and encumbrances
except for the lien of this Agreement. No financing statement covering any of
the Collateral is on file in any pubic office other than those which reflect the
security interest created by this Agreement or to which Lender has specifically
consented. Grantor shall defend Lender's rights in the Collateral against the
claims and demands of all other persons.

Repairs and Maintenance. Grantor agrees to keep and maintain, and to cause
others to keep and maintain, the Collateral in good order, repair and condition
at all times while this Agreement remains in effect Grantor further agrees to
pay when due all claims for work done on, or services rendered or material
furnished in connection with the Collateral so that no lien or encumbrance may
ever attach to or be filed against the Collateral.

Inspection of Collateral. Lender and Lender's designated representatives and
agents shall have the right at al1 reasonable times to examine and inspect the
Collateral wherever located.

Taxes, Assessments and Liens. Grantor will pay when due all taxes, assessments
and liens upon the Collateral, its use or operation, upon this Agreement, upon
any promissory note or notes evidencing this Indebtedness, or upon any of the
other Related Documents. Grantor may withhold any such payment or may elect to
contest any lien if Grantor is in good faith conducting an appropriate
proceeding to contest the obligation to pay and so long as Lender's interest in
the Collateral is not jeopardized in Lendor's sole opinion. If the Collateral is
subjected to a lien which is not discharged within fifteen (15) days. Grantor
shall deposit with Lender cash, a sufficient corporate surety bond or other
security satisfactory to Lender in an amount adequate to provide for the
discharge of the lien plus any interest, costs, reasonable attorneys' fees or
other charges that could accrue as a result of foreclosure or sale of the
Collateral. In any contest Grantor shall defend itself and Lender and shall
satisfy any final adverse judgment before enforcement against the Collateral.
Grantor shall name Lender as an additional obligee under any surety bond
furnished in the contest proceedings. Grantor further agrees to furnish Lender
with evidence that such taxes, assessments, and governmental and other charges
have been paid in full and in a timely manner. Grantor may withhold any such
payment or may elect to contest any lien if Grantor is in good faith conducting
an appropriate proceeding to contest the obligation to pay and so long as
Lender's interest in the Collateral is not jeopardized.

Compliance with Governmental Requirements. Grantor shall comply promptly with
all laws, ordinances, rules and regulations of all governmental authorities, now
or hereafter in effect, applicable to the ownership, production, disposition, or
use of the Collateral, including all laws or regulations relating to the undue
erosion of highly-erodible land or relating to the conversion of wetlands for
the production or an agricultural product or commodity. Grantor may contest in
good faith any such law, ordinance or regulation and withhold compliance during
any proceeding, including appropriate appeals, so long as Lender's interest in
the Collateral, in Lender's opinion, not jeopardized.

Hazardous Substances. Grantor represents and warrants that the Collateral never
has been, and never will be so long as this Agreement remains a lien on the
Collateral, used in violation of any Environmental Laws or for the generation,
manufacture, storage, transportation, treatment, disposal, release or threatened
release of any Hazardous Substance. The representations and warranties contained
herein are based on Grantor's due diligence in investigating the Collateral for
Hazardous Substances. Grantor hereby (l) releases and waives any false claims
against Lender for indemnity or contribution in the event Grantor becomes liable
for cleanup of other costs under any Environmental Laws and (2) agrees to
indemnify and hold harmless Lender against any and all claims and losses
resulting from a breach of unit provision of this Agreement. This obligation to
indemnify shall survive the payment of the Indebtedness and the satisfaction of
this Agreement.

Maintenance of Casualty Insurance. Grantor shall procure and maintain all risks
insurance, including without limitation fire, theft and liability coverage
together with such other insurance as Lender may require with respect to the
Collateral in form, amounts, coverages, and basis reasonably acceptable to
Lender and issued by a company or companies reasonably acceptable to Lender.
Grantor, upon request of Lender, will deliver to Lender from time to time the
policies or certificates of insurance in form satisfactory to Lender including
stipulations that coverages will not be cancelled or diminished without at least
thirty (30) days' prior written notice to Lender and not including any
disclaimer of the insurer's liability for failure to give such a notice. Each
insurance policy also shall include an endorsement providing that coverage in
favor of Lender will not be impaired in any way by any act, omission or default
of Grantor or any other person. In connection with all policies covering assets
in which Lender holds or is offered a security interest. Grantor will provide
Lender with such loss payable or other endorsements as Lender may require. If
Grantor at any time fails to obtain or maintain any insurance as required under
this

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                     Page 3

Agreement, Lender may (but shall not be obligated to  obtain such insurance as
Lender deems appropriate, including if Lender so chooses "single interest
insurance," which will cover only Lender's interest in the Collateral.

      Application of Insurance Proceeds. Grantor shall promptly notify Lender
      of any loss or damage to Collateral. Lender may make proof of loss if
      Grantor fails to do so within fifteen (15) days of the casualty. All
      proceeds of any insurance on the Collateral, including accrued proceeds
      thereon, shall be held by Lender as part of the Collateral. If Lender
      consents to repair or replacement of the damaged or destroyed Collateral,
      Lender shall, upon satisfactory proof of expenditure, pay or reimburse
      Grantor from the proceeds for the reasonable cost of repair or
      restoration. If Lender does not consent to repair or replacement, of the
      Collateral, Lender shall retain a sufficient amount of the proceeds to pay
      all of the Indebtedness, and shall pay the balance to Grantor. Any
      proceeds which have not been disbursed within six (6) months after their
      receipt and which Grantor has not committed to the repair or restoration
      of the Collateral shall be used to prepay the Indebtedness.

      Insurance Reserves. Lender may require Grantor to maintain with Lender
      reserves for payment of insurance premiums, which reserves shall be
      created by monthly payments from Grantor of a sum estimated by Lender to
      be sufficient to produce, at least fifteen (15) days before the premium
      due date, amounts at least equal to the insurance premiums to be paid. If
      fifteen (15) days before payment is due, the reserve funds are
      insufficient, Grantor shall upon demand pay any deficiency to Lender. The
      reserve funds shall be held by Lender as a general deposit and shall
      constitute a non-interest-bearing account which Lender may satisfy by
      payment of the insurance premiums required to be paid by Grantor as they
      become due. Lender does not hold the reserve funds in trust for Grantor,
      and Lender is not the agent of Grantor for payment of the insurance
      premiums required to be paid by Grantor. The responsibility for the
      payment of premiums shall remain Grantor's sole responsibility.

      Insurance Reports. Grantor, upon request of Lender, shall furnish to
      Lender reports on each existing policy of insurance showing such
      information as Lender may reasonably request including the following: (1)
      the name of the insurer; (2) the risks insured; (3) the amount of the
      policy; (4) the property insured; (5) the then current value on the basis
      of which insurance has been obtained and the manner of determining that
      value and (6) the expiration date of the policy. In addition, Grantor
      shall upon request by Lender (however not more often than annually) have
      an independent appraiser satisfactory to Lender determine, ass applicable,
      the cash value or replacement cost of the Collateral.

      Financing Statements. Grantor authorizes Lender to file a UCC financing
      statement, or alternatively, a copy of this Agreement to perfect Lender's
      security interest. At Lender's request, Grantor additionally agrees too
      sign all other documents that are necessary to perfect, protect, and
      continue Lender's security interest in the Property. Grantor will pay all
      filing fees, title transfer fees, and other fees and costs involved unless
      prohibited by law or unless Lender is required by law to pay such fees and
      costs. Grantor irrevocably appoints Lender to execute documents necessary
      to transfer title if there is a default. Lender may file a copy or this
      Agreement as a financing statement. If Grantor changes Grantor's name or
      address, or the name or address of any person granting a security interest
      under this Agreement changes, Grantor w11 promptly notify the Lender of
      such change.

GRANTOR'S RIGHT TO POSSESSION AND TO COLLECT ACCOUNTS. Until default and except
as otherwise provided below with respect to accounts, Grantor may have
possession of the tangible personal property and beneficial use of all the
Collateral and may use it in any lawful manner not inconsistent with this
Agreement or the Related Documents, provided that Grantor's right to possession
and beneficial use shall lot apply to any Collateral where possession of this
Collateral by Lender is required by law to perfect Lender's security interest in
such Collateral, Until otherwise notified by Lender, Grantor may collect any of
the Collateral consisting of accounts. At any time end even though no Event of
Default exists, Lender may exercise its rights to collect the accounts and to
notify account debtors' to make payments directly to Lender for application to
the Indebtedness. If Lender at any time has possession of any Collateral whether
before or after an Event of Default, Lender shall be deemed to have exercised
reasonable care in the custody and preservation of the Collateral if Lender
takes such action for that purpose as Grantor shall request or as Lender, in
Lender's sole discretion, shall deem appropriate under the circumstances, but
failure to honor any request by Grantor shall not of itself be deemed to be a
failure to exercise reasonable care. Lender shall not be required to take any
steps necessary to preserve any rights in the Collateral against prior parties,
nor to protect, preserve or maintain any security interest given to secure the
Indebtedness.

LENDER'S EXPENDITURES. If any action or proceeding is commenced that would
materially affect Lender's interest in the Collateral or if Grantor fails to
comply with any provision of this Agreement or any Related Documents, including
but not limited to Grantor's failure to discharge or pay when due any amounts
Grantor is required to discharge or pay under this Agreement or any Related
Documents. Lender on Grantors behalf may (but shall not be obligated to) take
any action that Lender deems appropriate, including but not limited to
discharging or paying all taxes, liens, security interests, encumbrances and
other claims, at any time levied or placed on the Collateral and paying all
costs for insuring, maintaining and preserving the Collateral. All such
expenditures incurred or paid by Lender for such purposes will then bear
interest at the rate charged under the Note from the date incurred or paid by
Lender to the date of repayment by Grantor. All such expenses will become a part
of the indebtedness and, at Lender's option, will (A) be payable on demand; (B)
be added to the balance of the Note and be apportioned among and be payable with
any installment payments to become due during either (1) the term of any
applicable insurance policy; or (2) the remaining term of the Note; or (C) be
treated as a balloon payment which will be due and payable at the Note's
maturity. The Agreement also will secure payment of these amounts. Such right
shall be in addition to all other rights and remedies to which Lender may be
entitled upon Default.

DEFAULT. Each of the following shall constitute an Event of Default under this
Agreement:

      Payment Default. Grantor fails to make any payment when due under the
      Indebtedness.

      Other Defaults. Grantor fails to comply with or to perform any other term,
      obligation, covenant or condition contained in this Agreement or in any of
      the Related Documents or to comply with or to perform any term,
      obligation, covenant or condition contained in any other agreement between
      Lender and Grantor.

      Default in Favor of Third Parties. Should Borrower or any Grantor default
      under any loan, extension of credit, security agreement, purchase or sales
      agreement, or any other agreement, in favor of any other creditor or
      person that may materially affect any of Grantor's property or Grantor's
      or any Grantor's ability to repay the Indebtedness or perform their
      respective obligations under this Agreement or any of the Related
      Documents.

      False Statements. Any warranty, representation or statement made or
      furnished to Lender by Grantor or on Grantor's behalf under this Agreement
      or the Related Documents is false or misleading in any material respect,
      either now or at the time made or furnished or becomes false or misleading
      at any time thereafter.

      Defective Collaterallizatlon. This Agreement or any of the Related
      Documents ceases to be in full force, and effect (including failure of any
      collateral document to create a valid and perfected security interest or
      lien) at any time and for any reason.

      Insolvency. This dissolution or termination of Grantor's existence as a
      going business, the insolvency of Grantor, the appointment of a receiver
      for any part of Grantor's property, any assignment for the benefit of
      creditors, any type of creditor workout, or the commencement of any
      proceeding under any bankruptcy or insolvency laws by or against Grantor.

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                                                          Page 4


      Creditor or Forfeiture Proceedings. Commencement of foreclosure or
      forfeiture proceedings, whether by judicial proceeding, self-help,
      repossession or any other method, by any creditor of Grantor or by any
      governmental agency against any collateral securing the Indebtedness. This
      includes a garnishment of any of Grantor's accounts, including deposit
      accounts, with Lender. However, this Event of Default shall not apply if
      there is a good faith dispute by Grantor as to the validity or
      reasonableness of the claim which is the basis of the creditor or
      forfeiture proceeding and if, Grantor elves Lender written notice of the
      creditor or forfeiture proceeding and deposits with Lender monies or a
      surety bond for the creditor or forfeiture proceeding, in an amount
      determined by Lender, in its sole discretion, as being an adequate reserve
      or bond for the dispute.

      Events Affecting Guarantor. Any of the preceding events occurs with
      respect to any Guarantor of any of the Indebtedness or Guarantor dies or
      becomes incompetent or revokes or disputes the validity of, or liability
      under, any Guaranty of the Indebtedness.

      Adverse Change. A material adverse change occurs in Grantor's financial
      condition, or Lender believes the prospect of payment or performance of
      the Indebtedness is impaired.

      Insecurity. Lender in good faith believes itself insecure.

RIGHTS AND REMEDIES ON DEFAULT. If an Event of Default occurs under this
Agreement, at any time thereafter, Lender shall have all the rights of a secured
party under the Delaware Uniform Commercial Code, In addition and without
Limitation, Lender may exercise any one or more of the following rights and
remedies:

      Accelerate Indebtedness. Lender may declare the entire indebtedness,
      including any prepayment penalty which Grantor would be required to pay,
      immediately due and payable, without notice of any kind to Grantor.

      Assemble Collateral. Lender may require Grantor to deliver to Lender all
      or any portion or the Collateral and any and all certificates of title and
      other documents relating to the Collateral. Lender may require Grantor
      to assemble the Collateral and make it available to Lender at a place to
      be designated by Lender. Lender also shall have full power to enter upon
      the property of Grantor to take possession of and remove the Collateral.
      If the Collateral contains other goods not covered by this Agreement at
      the time of repossession, Grantor agrees Lender may take such other goods,
      provided that Lender makes reasonable efforts to return them to Grantor
      after repossession.

      Sell the Collateral. Lender shall have full power to sell, lease,
      transfer, or otherwise deal with the Collateral or proceeds thereof in
      Lender's own name or that of Grantor. Lender may sell the Collateral at
      public auction or private sale. Unless the Collateral threatens to decline
      speedily in value or is of a type customarily sold on a recognized market,
      Lender will give Grantor, and other parsons as required by law, reasonable
      notice of the time and place of any public sale, or the time after which
      any private sale or any other disposition of the Collateral is to be made.
      However, no notice need be provided to any person who, after Event of
      Default occurs, enters into and authenticates an agreement waiving that
      person's right to notification of sale. The requirements of reasonable
      notice shall be met if each notice is given at least ten (10) days before
      the time of the Sale or disposition. All expenses relating to the
      disposition of the Collateral. Including without limitation the expenses
      of retaking, holding insuring, preparing for sale and selling the
      Collateral, shall become a part of the Indebtedness secured by this
      Agreement and shall be payable on demand, with interest at the Note rate
      from date of expenditure until repaid.

      Appoint Receiver. Lender shall have the right to have a receiver appointed
      to take possession of all or any part of the Collateral, with the power to
      protect and preserve the Collateral, to operate the Collateral preceding
      foreclosure or sale, and to collect the Rents from the Collateral and
      apply the proceeds, over and above the cost of the receivership, against
      the Indebtedness. The receiver may serve without bond if permitted by law.
      Lender's right to the appointment of a receiver shall exist whether or not
      the apparent value of the Collateral exceeds the Indebtedness by a
      substantial amount. Employment by Lender shall not disqualify a person
      from serving as a receiver.

      Collect Revenues, Apply Accounts. Lender, either itself or through a
      receiver, may collect the payments, rents, income, and revenues from the
      Collateral Lender may at any time in Lender's discretion transfer any
      Collateral into Lender's own name or that of Lender's nominee and receive
      the payments, rents, income, and revenues, therefrom and hold the same as
      security for the Indebtedness or apply it to payment of the Indebtedness
      in such order of preference as Lender may determine, insofar as the
      Collateral consists of accounts, general intangibles, insurance policies,
      instruments, chattel paper, Choses in action, or similar property, Lender
      may demand, collect, receipt for, settle. Compromise, adjust, sue for,
      foreclose,; or realize on the Collateral as Lender may determine, whether,
      nether or not Indebtedness or Collateral is then due for these purposes,
      Lender may, on behalf of and in the name of Grantor, receive, open and
      dispose of mail addressed to Grantor; change any address to which mail
      and payments are to be sent; and endorse notes checks, drafts, money
      orders, documents of title, instruments and items pertaining to payment,
      shipment, or storage of any Collateral. To facilitate collection, Lender
      may notify account debtors and obligors on any Collateral to make payments
      directly to Lender.

      Obtain Deficiency- If Lender chooses to sell any or all of the
      Collateral, Lender may obtain a judgment against Grantor for any
      deficiency remaining on the Indebtedness due to Lender after application
      of all amounts received from the exercise of the rights; provided in this
      Agreement. Grantor shall be liable for a deficiency even if the
      transaction described in this subsection is a sale of accounts or chattel
      paper.

      Other Rights and Remedies. Lender shall have all the rights and remedies
      of a secured creditor under the provisions of the Uniform Commercial Code,
      as may be amended from time to time. In addition, Lander shall have and
      may exercise any or all other rights, and remedies it may have available
      at law, in equity, or otherwise.

      Election of Remedies. Except as may be prohibited by applicable law, all
      of Lender's rights and remedies, whether evidenced by this Agreement,
      the Related Documents, or by any other writing, shall be cumulative and
      may be exercised singularly or concurrently. Election by Lendor to
      pursue any remedy shall not exclude pursuit of any other remedy, and an
      election to make expenditures or to take action to perform an obligation
      of Grantor under this Agreement, after Grantor's failure to perform, shall
      not affect Lender's right to declare a default and exercise its remedies.

ARBITRATION. (a) This paragraph concerns the resolution of any controversies or
claims between the parties, whether arising in contract, tort or by statute,
including but not limited to controversies or claims that arise out of or relate
to: (i) this agreement (including any renewals, extensions or modifications: or
(ii) any document related to this agreement (collectively, a "Claim"). For the
purposes of this arbitration provision only, the term "parties" shall include
any parent corporation, subsidiary or affiliate of the Bank involved in the
servicing, management or administration of any obligation described or evidenced
by this agreement

(b) At the request of any party to this agreement, any Claim shall be resolved
by binding arbitration in accordance with the Federal Arbitration Act (Title 9,
U.S. Code) (the "Act"). The Act will apply even though this agreement provides
that it is governed by the law of a specified state.

(c) Arbitration proceedings will be determined in accordance with the Act, the
applicable rules and procedures for the arbitration of disputes of JAMS or any
successor thereof ("JAMS"), and the terms of this paragraph. In the event of any
inconsistency, the terms of this paragraph shall control.

(d) The arbitration shall be administered by JAMS and conducted, unless
otherwise required by law, in any U.S. state where real or tangible personal
property collaterall for this credit is located or if there is no such
Collateral. In the state specified in the governing law section of this

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                                                          Page 5


agreement. All Claims shall be determined by one arbitrator; however, if Claims
exceed $50,000, upon the request of any party, the Claims shall be decided by
three arbitrators. All arbitration hearings shall commence within 90 days of the
demand for arbitration and close within 90 days of commencement and the award of
the arbitrators) shall be issued within 30 days of the close of the hearing.
However, the arbitrator(s), upon a showing of good cause, may extend the
commencement of the hearing for up to an additional 50 days. The arbitrator(s)
shall provide a concise written statement of reasons for the award. The
arbitration award may be submitted to any court having jurisdiction to be
confirmed and enforced.

(e) The arbitrator(s) will have the authority to decide whether any Claim is
barred by any statute of limitations and, if so, to dismiss the arbitration on
that basis. For purposes of the application of the statute of limitations, the
service on JAMS under applicable JAMS rules of a not.ce of Claim is the
equivalent of the filing of a lawsuit. Any dispute concerning this arbitration
provision or whether a Claim is arbitratable shall be determined by the
arbitrator(s). The arbitrator(s) shall have the power to award legal fees
pursuant to the terms of this agreement.

(f) This paragraph does not limit the right of any party to: (i) exercise
self-help remedies, such as but not limited to, setoff; (ii) initiate judicial
or nonjudicial foreclosure against any real or personal property collateral;
(iii) exercise any judicial or power of sale rights, or (iv) act in a court of
law to obtain an interim remedy, such as but not limited to, injunctive relief,
write of possession or appointment of a receiver, or additional or suplementary
remedies.

(g) The filing of a court action is not intended to constitute a waiver of the
right of any party, including the suing party, thereafter to require submittal
of the Claim to arbitration.

ADDITIONAL DEFAULTS. Each of the following shall constitute an event of
default ("Event of Default") under this Agreement

Event of Default Under Related Documents. A default or event of default occurs
under the terms of any Related Document executed by Borrower or any guarantor,
pledgor, accommodation party or other obligor.

COUNTERPARTS. This Agreement may be executed in any number of counterparts, each
of which when so executed shall be deemed to be an original and all of which
taken together shall constitute one and the same agreement.

FINAL AGREEMENT. BY SIGNING THIS DOCUMENT EACH PARTY REPRESENTS AND AGREES THAT:
(A) THIS DOCUMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES WITH
RESPECT TO THE SUBJECT MATTER HEREOF. (B) THIS DOCUMENT SUPERSEDES ANY
COMMITMENT LETTER, TERM SHEET OR OTHER WRITTEN OUTLINE OF TERMS AND CONDITIONS
RELATING TO THE SUBJECT MATTER HEREOF, UNLESS SUCH COMMITMENT LETTER. TERM SHEET
OR OTHER WRITTEN OUTLINE OF TERMS AND CONDITIONS EXPRESSLY PROVIDES TO THE
CONTRARY, (C) THERE ARE NO ORAL AGREEMENTS BETWEEN THE PARTIES. AND (D) THIS
DOCUMENT MAY NOT BE CONTRADICTED BY EVIDENCE OF ANY PRIOR, CONTEMPORANEOUS, OR
SUBSEQUENT ORAL AGREEMENTS OR UNDERSTANDINGS OF THE PARTIES.

FINAL AGREEMENT. ORAL AGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT,
OR TO FORBEAR FROM ENFORCING REPAYMENT OF A DEBT INCLUDING PROMISES TO EXTEND OR
RENEW SUCH DEBT ARE NOT ENFORCEABLE. TO PROTECT YOU (BORROWER(S) AND US (LENDER)
FROM MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTS WE REACH COVERING SUCH
MATTERS ARE CONTAINED IN THIS WRITING WHICH IS THE COMPLETE AND EXCLUSIVE
STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING
TO MODIFY IT.

ADDRESS FOR NOTICES. Notwithstanding anything to the contrary herein, all
notices and communications to the Lender shall be directed to the following
address:

             Bank of America, N.A.
             St. Louis CCS, Attn: Notice Desk
             800 Market Street
             St. Louis, MO 63101

MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of
this Agreement:


      Amendments. This Agreement, together with any Related Documents,
      constitutes the entire understanding and agreement of the parties as to
      the matters set forth in this Agreement. No alteration of or amendment to
      this Agreement Shall be effective unless given in writing and signed by
      the party or parties sought to be charged or bound by the alteration or
      amendment.


      Attorneys' Fees; Expenses. Grantor agrees to pay upon demand all of
      Lender's costs and expenses, including Lender'S reasonable attorneys' fees
      and Lender's legal expenses, incurred in connection with the enforcement
      of this Agreement. Lender may hire or pay someone else to help enforce
      this Agreement, and Grantor shall pay the costs and expenses of such
      enforcement. Costs and expenses include Lender's reasonable attorneys'
      fees and legal expenses whether or not there is a lawsuit, including
      reasonable attorneys' fees and legal expanses for bankruptcy proceedings
      (including efforts to modify or vacate any automatic stay or injunction,
      appeals, and any anticipated post-judgment collection services. Lender may
      also recover from Grantor all court, alternative dispute resolution, or
      other collection costs (including, without limitation, fees and charges
      of collection agencies) actually incurred by Lender.

      Caption Headings. Caption headings in this Agreement are for convenience
      purposes only and are not to be used to intercept or define the provisions
      of this Agreement.

      Governing Law. This Agreement will be governed by, construed and enforced
      in accordance with federal law and the laws of the State of Missouri,
      except and only to the extent of procedural matters related to the
      perfection and enforcement of Lender's rights and remedies against the
      Collateral, which matters shall be governed by the laws at the State of
      Delaware. However, in the event that the enforceability or validity of any
      provision of this Agreement is challenged or questioned, such provision
      shall be governed by whichever applicable state or federal law would
      uphold or would enforce such challenged or questioned provision. The loan
      transaction which is evidenced by the Note and this Agreement has been
      applied for, considered, approved and made, and all necessary loan
      documents have been accepted by Lender in the State of Missouri.

      Choice of Venue. If there is a lawsuit, Grantor and agree to the
      jurisdiction of the courts of Greene County, State of Missouri.

      No Waiver by Lender. Lender shall not be deemed to be waived any rights
      under this Agreement unless such waiver is given in writing and signed by
      Lender. No delay or omission on the part of Lender in exercising any
      right shall operate as a waiver of suoh right or any other right. A waiver
      by Lender of a provision of this Agreement shall not prejudice or
      constitute a waiver of Lender's rights otherwise to demand strict
      compliance with that provision or any other provision of this Agreement.
      No prior waiver by Lander, nor any course of dealing between Lender and
      Grantor, shall constitute a waiver of any of Lender's rights or of any of
      Grantor's obligations as to any future transactions. Whenever the consent
      of Lender is required under this Agreement, the granting of such consent
      by Lender in any instance shall not constitute continuing consent to
      subsequent instances where such consent is required and in all cases suoh
      consent may be granted or withheld in the sole discretion of Lender.

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                                                          Page 6


      Notices. Any notice required to be given under this Agreement shall be
      given in writing, and shall be effective when actually delivered, when
      actually received by telefacsimile (unless otherwise required by law),
      when deposited with a nationally recognized overnight courier, or, if
      mailed, when deposited in the United States mail, as first class,
      certified or registered mail postage prepaid, directed to the addresses
      shown near the beginning of this Agreement. Any party may change its
      address for notices under this Agreement by giving formal written notice
      to the other parties, specifying that the purpose of the notice is to
      change the party's address. For notice purposes, Grantor agrees to keep
      lender informed at all times of Grantor's current address. Unless
      otherwise provided or required by law, if there is more than one Grantor,
      any notice given by Lender to any Grantor is deemed to be notice given to
      all Grantors.'

      Power of Attorney. Grantor hereby appoints Lender as Grantor's irrevocable
      attorney-in-fact for the purpose of executing any documents necessary to
      be perfect, amend, or to continue the security interest granted in this
      Agreement or to demand termination of filing of other secured parties.
      Lender may at any time, and without further authorization from Grantor,
      file a carbon, photographic or other reproduction of any financing
      statement or of this Agreement for use as a financing statement. Grantor
      will reimburse Lender for all expenses for the perfection and the
      continuation of the perfection of Lenders' security interest in the
      Collateral.

      Severability. If a court of competent jurisdiction finds any provision of
      this Agreement to be illegal, invalid, or unenforceable as to any
      circumstance, that finding shall not make the offending provision legal,
      invalid, or unenforceable as to any other circumstance. If feasible, the
      offending provision shall be considered modified so that it becomes legal,
      valid and enforceable. If the offending provision cannot be so modified,
      it shall be considered deleted from this Agreement. Unless otherwise
      required by law, the illegality, invalidity, or unenforceability of any
      provision of this Agreement shall not affect the legality, validity or
      enforceability of any other provision of this Agreement.

      Successors and Assigns. Subject to any limitations stated in this
      Agreement on transfer of Grantor's interest, this Agreement shall be
      binding upon and inure to the benefit of the parties, their successors and
      assigns. If ownership of the Collateral becomes vested in a person other
      than the Grantor, Lender, without notice to Grantor, may deal with
      Grantor's successors with reference to this Agreement and the indebtedness
      by way of forbearance or extension without releasing Grantor from the
      obligations of this Agreement or liability under the Indebtedness.

      Survival of Representations and Warranties. All representations,
      warranties, and agreements made by Grantor in this Agreement shall survive
      the execution and delivery of this Agreement, shall be continuing in
      nature, and shall remain in full force and effect until such time as
      Grantor's indebtedness shall be paid in full.

      Time is of the Essence. Time is of the essence in the performance of this
      Agreement.


DEFINITIONS. The following capitalized words and terms shall have the following
meanings when used in this Agreement. Unless specifically stated to the
contrary, all references to dollar amounts shall mean amounts in lawful money
of the United States of America. Words and terms used in the singular shall
include the plural, and the plural shall include the singular, as the context
may require. Words end terms not otherwise defined in this Agreement shall have
the meanings attributed to such terms in the Uniform Commercial Code:

      Agreement. The Word "Agreement" means this Commercial Security Agreement,
      as this Commercial Security Agreement may be amended or modified from time
      to time, together with all exhibits and schedules attached to this
      Commercial Security Agreement from time to time.


      Borrower. The word "Borrower" means Decorize. Inc. and includes all
      co-signers and co-makers signing this Note. The Collateral. The word
      "Collateral" means all of Grantor's right, title and interest in and to
      all the Collateral, as described in the Collateral. Description section of
      this Agreement.

      Default. The Word "Default" means the Default set forth in this Agreement
      in the section titled "Default", Environmental Laws. The words
      "Environmental Laws" mean any and all state, federal and local statutes,
      regulations and ordinances relating to the protection of human health or
      the environment, including without limitation the Comprehensive
      Environmental Response, Compensation, and. Liability Act of 1980, as
      amended, 42 U.S.C. Section 9601, et Seq. (CERCLA), the Superfund
      Amendments and Reauthorization Act of 1986, Pub. L. No. 99-499 ("SARA").
      the Hazardous Materials Transportation Act, 49 U.S.C. Section 1801, et
      seq., the Resource Conservation and Recovery Act, 42 U.S.C. Section 5901.
      et seq, or other applicable state or federal laws, rules, or regulations
      adopted pursuant thereto.

      Event of Default. The words "Event of Default" mean any of the events of
      default set forth in the Agreement in the default section of this
      Agreement.

      Grantor. The word "Grantor" means Decorize. Inc.

      Guarantor. The word "Guarantor" means any guarantor, surety, or
      accommodation party of any or all of the Indebtedness.

      Guaranty. The word "Guaranty" means the guaranty from Guarantor to Lender,
      including without limitation a guaranty of all or part of the Note.

      Hazardous Substances. The words "Hazardous Substances" mean materials
      that, because of their quantity, concentration or physical, chemical or
      infectious characteristics, may cause or pose a present or potential
      hazard to human health or the environment when improperly used, treated,
      stored, disposed of, generated, manufactured, transported or otherwise
      handled. The words "Hazardous Substances' are used in their very broadest
      sense and include without limitation any and all hazardous or toxic
      substances, materials or waste as defined by or listed under the
      Environmental Laws. The term "Hazardous Substances" also includes, without
      limitation, petroleum and petroleum by-products or any fraction thereof
      and asbestos,

      Indebtedness. The word "Indebtedness" means the indebtedness evidenced by
      the Note or Related Documents, including all principal and interest
      together with all other indebtedness and costs and expenses for which
      Borrower or Grantor or any other borrower, guarantor, pledgor, obligor or
      accommodation party is responsible under this Agreement or under any of
      the Related Documents, including any swap, option or forward obligations.

      Lender. The word "Lender" means Bank of America. N.A., its successor
      assigns.

      Note. The word "Note" means (i) a Loan Agreement dated January" 2005,
      which  provides for extensions of credit in a principal amount not
      exceeding ($4,000,000,001) (ii) any other promissory note, credit
      agreement or letter Of credit agreement now or hereafter executed by
      Borrower in favor of Lender with respect to the Indebtedness, including
      without limitation those promissory notes, credit agreements and letter of
      credit agreements described on any schedule or exhibit attached to this
      Agreement from time to time, and (iii) any renewals of, extensions of,
      modifications of, refinancings of, consolidations of, and substitutions
      for any of the foregoing.

      Property. The word "Property" means all of Grantor's right, title and
      interest in and to all the Property as described in the "Collateral
      Description" section of this Agreement.

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                                                          Page 7


Related Documents. The words "Related Documents" mean all promissory notes,
credit agreements, loan agreements, environmental agreements, guaranties,
security agreements, mortgages, deeds of trust, security deeds, collateral
mortgages, and all other instruments, agreements and documents, whether now or
hereafter existing, executed in connection with the Indebtedness.

GRANTOR HAS READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS COMMERCIAL SECURITY
AGREEMENT AND AGREES TO ITS TERMS. THIS AGREEMENT IS DATED JANUARY 12, 2005.

THIS AGREEMENT IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS AGREEMENT IS AND
SHALL CONSTITUTE AND HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.
GRANTOR:
DECORIZE, INC.


DECORIZE, INC

By: /s/ Steve Crowder                         By: /s/ Brent Olson
  --------------------------------              --------------------------------
   Steve Crowder, President/CEO                  Brent Olson, Vice President
   of Decorize, Inc.                             Finance of Decorize, Inc.