Document:

<PAGE>

                                                                   Exhibit 10.42

                      SECOND AMENDMENT TO CREDIT AGREEMENT

                  THIS SECOND AMENDMENT TO CREDIT AGREEMENT, dated as of October
31, 2003 (this "Amendment"), is among KEY COMPONENTS, LLC (the "Borrower"), the
Lenders (as defined below) signatories hereto and WACHOVIA BANK, NATIONAL
ASSOCIATION (formerly known as First Union National Bank), as administrative
agent for the Lenders (in such capacity, the "Administrative Agent").

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

  WHEREAS, the Borrower, certain Subsidiaries (such capitalized term and other
capitalized terms used in these recitals to have the meanings set forth or
defined by reference in Part I below) and other equity holders, as Guarantors,
certain financial institutions and other Persons from time to time parties
thereto (collectively, the "Lenders"), the Administrative Agent, Societe
Generale, as the Syndication Agent, The Bank of New York , as the Documentation
Agent, and Wachovia Securities and SG Cowen Securities Corporation, as
Co-Arrangers, are parties to the Credit Agreement, dated as of September 29,
2000 (as amended, restated, supplemented or otherwise modified prior to the date
hereof, the "Existing Credit Agreement");

  WHEREAS, the Borrower has requested that the Lenders amend the Existing Credit
Agreement as set forth below; and

  WHEREAS, the Lenders have agreed, subject to the terms and conditions
hereinafter set forth, to amend the Existing Credit Agreement in certain
respects (the Existing Credit Agreement, as so amended or otherwise modified by
this Amendment, being referred to as the "Credit Agreement");

  NOW, THEREFORE, in consideration of the premises and for other good and
valuable consideration (the receipt and sufficiency of which is hereby
acknowledged), the parties hereto hereby agree as follows:

                                     PART I
                                   DEFINITIONS

  SUBPART 1.1. Certain Definitions. The following terms (whether or not
underscored) when used in this Amendment shall have the following meanings (such
meanings to be equally applicable to the singular and plural forms thereof):

  "Administrative Agent" is defined in the preamble.

  "Amendment" is defined in the preamble.

  "Borrower" is defined in the preamble.

  "Credit Agreement" is defined in the third recital.

  "Existing Credit Agreement" is defined in the first recital.

  "Foreign Subsidiary" is defined in Subpart 2.1.1 of the Second Amendment.

  "Lenders" is defined in the first recital.

  "Second Amendment Effective Date" is defined in Subpart 3.1.

  SUBPART 1.2. Other Definitions. Terms for which meanings are provided in the
Existing Credit Agreement are, unless otherwise defined herein or the context
otherwise requires, used in this Amendment with such meanings.

<PAGE>

                                     PART II
                         AMENDMENTS, CONSENT AND WAIVER

  Effective on (and subject to the occurrence of) the Second Amendment Effective
Date, the Existing Credit Agreement is hereby amended in accordance with this
Part; except as so amended or otherwise modified by this Amendment, the Existing
Credit Agreement and the Loan Documents shall continue in full force and effect
in accordance with their terms.

  SUBPART 2.1. Amendment to Article I. Article I of the Existing Credit
Agreement is hereby amended in accordance with Subparts 2.1.1 through 2.1.3.

                           SUBPART 2.1.1. Section 1.1 of the Existing Credit
         Agreement is hereby amended by inserting the following definitions
         therein in the appropriate alphabetical order:

                           "Foreign Subsidiary" means any Subsidiary that is not
                  organized under the laws of any political subdivision of the
                  United States (other than Puerto Rico).

                           "Poly-Scientific Transaction" means the proposed
                  acquisition by the Borrower, or a Subsidiary thereof, of the
                  Poly-Scientific division of Northrop Grumman Corp., which
                  proposed acquisition did not close.

                           "PRC Subsidiary" means Gits Engineered Components
                  Shanghai LLC, a newly formed Subsidiary of the Borrower to be
                  organized under the laws of the People's Republic of China.

                           "Second Amendment" means the Second Amendment, dated
                  as of October 31, 2003, to this Agreement among the Borrower,
                  the Administrative Agent and the Lenders party thereto.

                           "Second Amendment Effective Date" is defined in
Subpart 3.1 of the Second Amendment.

  SUBPART 2.1.2. Section 1.1 of the Existing Credit Agreement is hereby
further amended by amending and restating the grid table included in the
definition of "Applicable Margin" to read in its entirety as follows:

<TABLE>
<CAPTION>
                                         Applicable             Applicable           Applicable
           Funded Debt to                Margin For             Margin For           Margin For
            EBITDA Ratio               Base Rate Loans       LIBO Rate Loans       Commitment Fees
     ------------------------------    ---------------       ---------------       ----------------
<S>                                   <C>                   <C>                  <C>
          Less than 3.50:1                  1.25%                 2.50%                0.375%

      Greater than or equal to              2.00%                 3.25%                0.375%
     3.50:1 and less than 4.00:1

      Greater than or equal to              2.25%                 3.50%                0.500%
     4.00:1 and less than 4.25:1

      Greater than or equal to              2.50%                 3.75%                0.500%
               4.25:1
</TABLE>

                           SUBPART 2.1.3. Section 1.1 of the Existing Credit
         Agreement is hereby further amended by amending the definition of
         "EBITDA" appearing therein by (a) deleting the proviso at the end of
         the clause (i) thereof, (b) deleting the punctuation mark "." appearing
         at the end of clause (j) thereof and inserting the punctuation mark ";"
         in replacement therefor and (c) inserting the following immediately
         after clause (j) thereof:

<PAGE>

                           "plus

                  (k) non-recurring charges for such Rolling Period incurred in
         connection with the Poly-Scientific Transaction on terms agreed to by
         the Administrative Agent (in its reasonable discretion) (provided that
         the aggregate amount of such charge shall not exceed $350,000)."

SUBPART 2.2. Amendment to Article VII. Article VII of the Existing Credit
Agreement is hereby amended in accordance with Subparts 2.2.1 through 2.2.5.

                  SUBPART 2.2.1. Clause (b)(ii) of Section 7.1.11 of the
         Existing Credit Agreement is hereby amended and restated to read in its
         entirety as follows:

                           "(ii) take any action to perfect the security
                  interest created under the Security Agreements in personal
                  property or other assets of any Foreign Subsidiary under the
                  local law of any of the applicable jurisdictions identified in
                  this Section 7.1.11(b)(ii), which personal property and other
                  assets are located at a place of business of the Borrower or
                  any of its Subsidiaries in the Kingdom of Thailand, the United
                  Mexican States, or the People's Republic of China, so long as
                  the aggregate value of all such personal property and other
                  assets that consist of equipment and inventory (as those terms
                  are used in the U.C.C.) as to which the Lenders do not have a
                  fully perfected security interest under such applicable local
                  law does not exceed, in the case of equipment and inventory
                  located in the United Mexican States, $7,000,000, in the case
                  of equipment and inventory located in the Kingdom of Thailand,
                  $2,500,000, and in the case of equipment and inventory located
                  in the People's Republic of China, $4,500,000."

                  SUBPART 2.2.2. Clause (a) of Section 7.2.4 of the Existing
         Credit Agreement is hereby amended and restated to read in its entirety
         as follows:

                           "(a) the Interest Coverage Ratio, as of the last day
                  of each Fiscal Quarter falling in the periods set forth below,
                  to be less than the ratio set forth opposite such period:

                   Fiscal Quarters ending                      Minimum Interest
                  in the following periods                       Coverage Ratio
                  ------------------------                     ----------------
           September 30, 2003 through September 29, 2004         2.75 to 1.0
           September 30, 2004 through March 30, 2005             3.00 to 1.0
           March 31, 2005 and thereafter                         4.00 to 1.0"

                  SUBPART 2.2.3. Clause (b) of Section 7.2.4 of the Existing
         Credit Agreement is hereby amended and restated to read in its entirety
         as follows:

                           "(b) the Fixed Charge Coverage Ratio, as of the last
                  day of each Fiscal Quarter falling in the periods set forth
                  below, to be less than the ratio set forth opposite such
                  period:

                  Fiscal Quarters ending                       Minimum Interest
                 in the following periods                       Coverage Ratio
                 ------------------------                      ----------------
            September 30, 2003 through March 30, 2005            1.00 to 1.0
            March 31, 2005 and thereafter                        1.10 to 1.0"

                  SUBPART 2.2.4. Clause (c) of Section 7.2.4 of the Existing
         Credit Agreement is hereby amended and restated to read in its entirety
         as follows:

<PAGE>

                           "(c) the Funded Debt to EBITDA Ratio, as of the last
                  day of each Fiscal Quarter falling in the periods set forth
                  below, to be greater than the ratio set forth opposite such
                  period:

                  Fiscal Quarters ending                   Maximum Funded Debt
                 in the following periods                   to EBITDA Ratio
                 ------------------------                  ------------------
           September 30, 2003 through September 29, 2004      4.25 to 1.0
           September 30, 2004 through March 30, 2005          4.00 to 1.0
           March 31, 2005 and thereafter                      2.75 to 1.0"

                  SUBPART 2.2.5. Section 7.2.7 of the Existing Credit Agreement
         is hereby amended and restated to read in its entirety as follows:

                  "SECTION 7.2.7. Capital Expenditures, etc. The Borrower will
         not, and will not permit any of its Subsidiaries to, make or commit to
         make, without duplication, Capital Expenditures in any Fiscal Year in
         an aggregate amount in excess of the sum of the following:

                           (a)(i) during each of Fiscal Year 2003 and 2004 an
                  amount equal to $5,500,000 and, (ii) during any Fiscal Year
                  thereafter an amount equal to $7,500,000;

plus

                           (b) any amount permitted to be expended in respect of
                  Capital Expenditures in the immediately preceding Fiscal Year
                  pursuant to clause (a) above but not so expended; provided,
                  however, that any unused amount of Capital Expenditures during
                  Fiscal Year 2002 may not be carried forward to any subsequent
                  period."

                  SUBPART 2.3 Consent and Waiver. The Administrative Agent and
the Required Lenders hereby agree to the following consents and waivers with
respect to the PRC Subsidiary.

                  SUBPART 2.3.1. Nothwithstanding the provisions of Section
7.2.5. of the Credit Agreement to the contrary, the Borrower and its applicable
Subsidiaries may form and make Investments in the PRC Subsidiary; provided that,
the aggregate amount of all Investments in all Foreign Subsidiaries (including,
without limitation, the initial capitalization thereof) shall not exceed
$5,000,000 during the term of the Credit Agreement.

                  SUBPART 2.3.2. Until such date (any such date, the "Trigger
Date") as any Foreign Subsidiary is required to take any action to perfect the
security interest created under the Security Agreements in personal property or
other assets located in the jurisdiction of formation of such Foreign Subsidiary
under the local law of such jurisdiction pursuant to clause (b)(ii) of Section
7.1.11 of the Credit Agreement, the Lenders hereby waive compliance by the
Borrower and its applicable Subsidiaries with the requirements of Section 7.1.8,
solely with respect to its Foreign Subsidiaries. The Borrower hereby agrees to
pledge or cause its applicable Subsidiaries to pledge sixty-five (65%) of the
Capital Securities of each applicable Foreign Subsidiary within forty-five (45)
days of the applicable Trigger Date for such Foreign Subsidiary, if any;
provided that such forty-five (45) day period may be extended by the
Administrative Agent in its sole discretion.

                                    PART III
                           CONDITIONS TO EFFECTIVENESS

  SUBPART 3.1. Effectiveness. This Amendment and the amendments contained herein
shall become effective on the date (the "Second Amendment Effective Date") when
each of the conditions set forth in this Part shall have been fulfilled to the
satisfaction of the Administrative Agent.

                           SUBPART 3.1.1. Execution of Counterparts. The
         Administrative Agent shall have received counterparts of this
         Amendment, duly executed and delivered on behalf of each Borrower, the
         Administrative Agent and the Required Lenders.

<PAGE>

                           SUBPART 3.1.2. Amendment Fee. The Administrative
         Agent shall have received, for the account of each Lender which shall
         have executed this Amendment concurrently with or prior to the
         effectiveness hereof, an amendment fee in an aggregate amount equal to
         0.125% of the aggregate amount of each such Lender's Percentage of the
         Total Exposure Amount.

                           SUBPART 3.1.3. Affirmation and Consent. The
         Administrative Agent shall have received, with counterparts for each
         Lender, an Affirmation and Consent to this Amendment substantially in
         the form of Exhibit A hereto, duly executed and delivered by each of
         the Obligors other than the Borrower.

                           SUBPART 3.1.4. Legal Details, etc. All documents
         executed or submitted pursuant hereto shall be satisfactory in form and
         substance to the Administrative Agent and its counsel. The
         Administrative Agent and its counsel shall have received all
         information and such counterpart originals or such certified or other
         copies or such materials as the Administrative Agent or its counsel may
         reasonably request, and all legal matters incident to the transactions
         contemplated by this Amendment shall be satisfactory to the
         Administrative Agent and its counsel.

                                     PART IV
                  MISCELLANEOUS; REPRESENTATIONS AND COVENANTS

  SUBPART 4.1. Continuing Effectiveness, etc. As amended hereby, the Credit
Agreement shall remain in full force and effect and is hereby ratified and
confirmed in all respects. After the Second Amendment Effective Date, all
references in the Credit Agreement and each other Loan Document to the "Credit
Agreement" shall refer to the Existing Credit Agreement, after giving effect to
this Amendment, and this Amendment shall be a Loan Document for all purposes.
The Borrower hereby confirms its obligations under Section 11.3 of the Credit
Agreement to pay all fees and expenses of the Administrative Agent (including
reasonable fees and out-of-pocket expenses of counsel) in connection with this
Amendment and other ongoing administration of the Credit Agreement as provided
in Section 11.3 of the Credit Agreement since the last invoice it received.

  SUBPART 4.2. Counterparts. This Amendment may be executed in any number of
counterparts and by the different parties on separate counterparts, and each
such counterpart shall be deemed to be an original but all such counterparts
shall together constitute one and the same Amendment.

  SUBPART 4.3. Governing Law. THIS AMENDMENT SHALL BE A CONTRACT MADE UNDER AND
GOVERNED BY THE INTERNAL LAWS OF THE STATE OF NEW YORK.

  SUBPART 4.4. Successors and Assigns. This Amendment shall be binding upon the
Borrower, the Lenders and the Agents and their respective successors and
assigns, and shall inure to the benefit of the Borrower, the Lenders and the
Agents and their respective successors and assigns.

  SUBPART 4.5. Representations and Warranties. In order to induce the Lenders to
execute and deliver this Amendment, the Borrower represents and warrants to the
Agents, the Lenders and the Issuer that, after giving effect to the terms of
this Amendment, the following statements are true and correct: (a) the
representations and warranties set forth in Article VI of the Existing Credit
Agreement and in the other Loan Documents are true and correct on the Second
Amendment Effective Date as if made on the Second Amendment Effective Date and
after giving effect to the Second Amendment (unless stated to relate solely to
an earlier date, in which case such representations and warranties were true and
correct in all material respects as of such earlier date); and (b) no Default
has occurred and is continuing.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK.]

<PAGE>

  IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed and delivered by their respective authorized officers as of the day and
year first above written.

                                    KEY COMPONENTS, LLC

                                    By: /s/ Keith A. McGowan
                                        --------------------
                                         Title: CFO

<PAGE>

LENDERS:

                                    WACHOVIA BANK, NATIONAL ASSOCIATION,
                                      as Administrative Agent and as a Lender

                                    By:
                                       -----------------------------------------
                                         Title:

                                    SOCIETE GENERALE,
                                      as Syndication Agent and as a Lender

                                    By:
                                       -----------------------------------------
                                         Title:

                                    THE BANK OF NOVA SCOTIA

                                    By:
                                       -----------------------------------------
                                         Title:

                                    EUROPEAN AMERICAN BANK

                                    By:
                                       -----------------------------------------
                                         Title:

                                    PROVIDENT BANK OF CINCINNATI

                                    By:
                                       -----------------------------------------
                                         Title:

                                    THE BANK OF NEW YORK, as Documentation
                                    Agent and as a Lender

                                    By:
                                       -----------------------------------------
                                         Title:

                                    CITIZENS BANK OF MASSACHUSETTS

                                    By:
                                       -----------------------------------------
                                         Title:

                                    FLEET CAPITAL CORPORATION

                                    By:
                                       -----------------------------------------
                                         Title:

<PAGE>

                                    EAST WEST BANK

                                    By:
                                       -----------------------------------------
                                         Title:

                                    CERES II FINANCE LTD.
                                      By:  Patriarch Partners IX, LLC,
                                           its Managing Agent

                                    By:
                                       -----------------------------------------
                                         Title:

                                    CHARTER VIEW PORTFOLIO
                                    By: INVESCO Senior Secured Management, Inc.
                                             as Portfolio Advisor

                                    By:
                                       -----------------------------------------
                                         Title:

                                    1888 FUND, LTD.

                                    By:
                                       -----------------------------------------
                                         Title:

                                    CALLADIUS CAPITAL

                                    By:
                                       -----------------------------------------
                                         Title:

<PAGE>

                                    Exhibit A

                             AFFIRMATION AND CONSENT
                             -----------------------

                                                                October 31, 2003

The Lenders (as defined below) and
Wachovia Bank, National Association,
  as Administrative Agent
One Wachovia Center
301 South College Street
Charlotte, NC  28288

                               KEY COMPONENTS, LLC

Gentlemen and Ladies:

  Reference is made to the Second Amendment (the "Amendment"), dated as of
October 31, 2003, to the Credit Agreement, dated as of September 29, 2000 (as
amended, restated, supplemented, or otherwise modified, the "Existing Credit
Agreement"; the Existing Credit Agreement, as amended, supplemented, amended and
restated or otherwise modified by the Amendment, the "Credit Agreement"), among
Key Components, LLC, certain Subsidiaries and other equity holders, as
Guarantors, certain financial institutions and other Persons from time to time
parties thereto (collectively, the "Lenders"), Wachovia Bank, National
Association (formerly known as First Union National Bank), as the Administrative
Agent, and the other agents and arrangers party thereto. Unless otherwise
defined herein or the context otherwise requires, terms used herein have the
meanings provided in the Credit Agreement.

  By their signature below, the undersigned Obligors hereby acknowledge and
consent to the amendment of the Existing Credit Agreement by, and the terms and
provisions thereof as set forth in, the Amendment. Each undersigned Obligor
hereby reaffirms the covenants and agreements contained in each Loan Document to
which it is a party, including as such covenants and agreements may be modified
by the Amendment, this Affirmation and Consent and the transactions contemplated
thereby. Each undersigned Obligor hereby further certifies that, as of the date
hereof (both before and after giving effect to the effectiveness of the
Amendment), the representations and warranties contained in the Loan Documents
to which the undersigned is a party are true and correct with the same effect as
if made on the date hereof, except to the extent such representations or
warranties expressly relate to a date prior to the date hereof (in which case
such representations and warranties were true and correct as of such earlier
date). Each undersigned Obligor further confirms that each Loan Document to
which it is a party is and shall continue to be in full force and effect and the
same are hereby ratified and confirmed in all respects, except that upon the
effectiveness of the Amendment, all references in such Loan

<PAGE>

Documents to the "Credit Agreement" shall mean the Credit Agreement as in effect
and as modified by the Amendment.

  IN WITNESS WHEREOF, the undersigned has caused this Affirmation and Consent to
be executed and delivered by its officer hereunto duly authorized as of the date
first above written.

                                B.W. ELLIOTT MANUFACTURING CO., LLC
                                HUDSON LOCK, LLC
                                ESP LOCK PRODUCTS, LLC
                                GITS MANUFACTURING COMPANY, LLC
                                ATLANTIC GUEST, INC.
                                MARINE INDUSTRIES COMPANY, LLC
                                TURNER ELECTRIC, LLC
                                KEY COMPONENTS, INC.
                                ACME ELECTRIC CORPORATION

                                By /s/ Keith A. McGowan
                                   ------------------------------
                                     Name: Keith A McGowan
                                     Title:  CFO

                                GUEST BUILDING, L.L.C.,
                                  by ATLANTIC GUEST, INC., its sole member

                                By /s/ Keith A. McGowan
                                   ------------------------------
                                     Name: Keith A. McGowan
                                     Title: CFO<PAGE>

                                                                  Exhibit 4.6

                                    Agreement
                                    ---------

         Agreement,  made as of July 2, 2003 between  Consumers  Financial Corp.
having its principal place of business located at 132 Spruce Street, Cedarhurst,
NY,  11516 (the  "Corporation"),  and  Stephen  J.  Burns,  a private  corporate
consultant, whose principal place of business is located at 39222 Wrexham Court,
Bensalem, PA 19020.

         Whereas, the Corporation wishes to assure itself of the services of the
Consultant  for the period  provided in this  Agreement,  and the  Consultant is
willing to provide his  services to the  Corporation  for said period  under the
terms and conditions hereinafter provided.

         Now,  therefore,  in  consideration  of the  premises and of the mutual
promises and covenants herein contained, the parties hereto agree as follows:

                                    Article I
                                   Engagement

         The Corporation  agrees to and does hereby engage the  Consultant,  and
the Consultant  agrees to and does hereby accept  engagement by the  Corporation
for period  commencing  on the date hereof and ending on December 31, 2003.  The
period during which  Consultant shall serve in such capacity shall be deemed the
"Engagement   Period"  and  shall  hereinafter  be  referred  to  as  such.  The
Corporation  also  acknowledges  that  the  Consultant  has  consulted  with the
Corporation since February 2003.

                                   Article II
                                    Services

         Section 2.1 The Consultant shall render to the Corporation the services
described  below,  with  respect to which the  Consultant  shall  apply his best
efforts and devote  such time as shall be  reasonably  necessary  to perform his
duties  hereunder and advance the interests of the  Corporation.  The Consultant
shall report directly to the Chief  Executive  Officer of the Corporation and to
such persons as the Chief Executive Officer shall direct.

         Section  2.2 The  services  to be  rendered  by the  Consultant  to the
Corporation shall consist of (a) developing an in-depth familiarization with the
Corporation's business objectives and bring to its attention potential or actual
opportunities  which meet those objectives or logical  extensions  thereof;  (b)
advising the  Corporation  with respect to its corporate  development  including
such factors as position in competitive environment,  financial performances vs.
competition,   strategies,   operational   viability,   etc.;  (c)   identifying
prospective  suitable  acquisitions  for the  Corporation,  perform  appropriate
diligence  investigations  with respect  thereto,  advising the Corporation with
respect to the  desirability  of pursuing  such  prospects,  and  assisting  the
Corporation in any negotiations  which may ensue therefrom;  and (d) introducing
the  Corporation to some of its contacts which may have an interest in investing
in the Corporation or any of its potential projects.

         Section  2.3 The  services  to be  rendered  by the  Consultant  to the
Corporation shall under no circumstances  include (a) any activities which could
be deemed by the  Securities  and  Exchange  Commission  ("SEC")  to  constitute
investment banking or any other activities  requiring the Consultant to register
as a broker-dealer under the Securities Exchange Act of 1934; (b) any activities
which could be deemed by the SEC to be in  connection  with the offer or sale of
securities;  or (c) any  activities  which  directly  or  indirectly  promote or
maintain a market for the Corporation's securities.

<PAGE>

                                   Article III
                                  Compensation

         Section 3.1 For the services and duties to be rendered and performed by
the  Consultant  during  the  Engagement  Period  and  in  consideration  of the
Consultant's having entered into this Agreement, the Corporation agrees to issue
to the Consultant 140,000 shares of common stock of the Corporation  ("Shares").
The Corporation shall register the Shares on a S-8 registration statement.

         The  Consultant  understands  that any Shares he  receives  will not be
registered under the Securities Act of 1933, as amended (the  "Securities  Act")
or  the  securities  laws  of  any  state  thereof,  nor  is  such  registration
contemplated. The Consultant understands and agrees further that the Shares must
be hold and may not be  transferred  until and unless the Shares are  registered
under the Securities Act and the securities laws of any other jurisdiction or an
exemption from registration under the Securities Act and such laws is available.
The Consultant  understands  that legends  stating that the Shares have not been
registered  under  the  Securities  Act and  the  securities  laws of any  other
jurisdiction   and  setting  out  or  referring  to  the   restrictions  on  the
transferability  and  resale  of the  Shares  will be  placed  on all  documents
evidencing the Shares.

                                   Article IV
                                  Trade Secrets

         Consultant   agrees  that  any  trade  secrets,   material   non-public
information  or any other like  information of value relating to the business of
the  Corporation  or  any of its  affiliates,  including  but  not  limited  to,
information relating to pricing,  potential  transactions,  processes,  systems,
methods, formulae,  patents, patent application,  research activities and plans,
contracts,  names of potential sellers and brokers, which he has acquired during
his  engagement  by the  Corporation  or any of its  affiliates  or which he may
hereafter  acquire during the Engagement Period as the result of any disclosures
to him, or in any other way,  shall be regarded as held by the  Consultant  in a
fiduciary capacity solely for the benefit of the Corporation,  its successors or
assigns,  and shall not at any time, either during the term of this Agreement or
thereafter,  be  disclosed,  divulged,  furnished,  or  made  accessible  by the
Consultant  to  anyone,  or be  otherwise  used by his  except in the  course of
business of the  Corporation or its  affiliates.  The covenants set forth herein
shall survive the  expiration of the Engagement  Period and  termination of this
Agreement  and shall remain in full force and effect  regardless of the cause of
such termination.

                                    Article V
                                   Assignment

         This  Agreement  may be assigned by the  Corporation  to an  affiliate,
provided that any such affiliate shall  expressly  assume all obligations of the
Corporation under this Agreement. Consultant agrees that if this Agreement is so
assigned,  all the terms  and  conditions  of this  Agreement  shall be  between
assignee  and himself  with the same force and effect as if said  Agreement  had
been made with such assignee in the first instance.  This Agreement shall not be
assigned  by  the  Consultant   without  the  express  written  consent  of  the
Corporation.

<PAGE>

                                   Article VI
                                  Miscellaneous

         Section  6.1  Consultant  is and shall at all  times be an  independent
contractor  with  respect to the services  that it is  rendering to  Corporation
pursuant to this  Agreement  and  Consultant  shall at no times be an affiliate,
employee,  agent,  partner or representative of Corporation and Consultant shall
not take any  action nor in any way hold  itself  out as such.  At no time shall
Consultant  have any  authority  or power to bind the  Corporation  or to act on
behalf of the Corporation in any manner,  including without  limitation,  making
any direct or indirect  representation  or covenant  by the  Corporation  to any
third party.

         Section 6.2 This  Agreement  shall be  governed  by, and  construed  in
accordance with, the internal laws of the State of New York,  without  reference
to the choice of law principles thereof.

         Section 6.3 Whenever  possible,  each provision of this Agreement shall
be interpreted in such manner as to be effective and valid under applicable law,
but if any provision is  unenforceable or invalid under such law, such provision
shall be ineffective only to the extent of such  unenforceability or invalidity,
and the remainder of such provision and the balance of this  Agreement  shall in
such event continue to be binding and in full force and effect.

         Section  6.4 This  Agreement  may be  terminated  by either  party upon
3-days' prior written notice.

         IN  WITNESS  WHEREOF,  the  parties  hereto  have  executed  the  above
Agreement as of the day and year first above written:

                                             Consumers Financial Corporation

                                             By: /s/ Don Hommel
                                                ---------------
                                                      Name:

                                             /s/ Stephen J. Burns
                                             --------------------
                                             Stephen J. Burns

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00057-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00057-of-00352.parquet"}]]