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                                                                    EXHIBIT 4.13

EMPLOYMENT AGREEMENT TREASURY MANAGER

THE UNDERSIGNED:

1.    RCI NETHERLANDS INVESTMENTS B.V. TO BE RENAMED JAMES HARDIE INTERNATIONAL
      FINANCE BV, a company with limited liability, incorporated under the laws
      of The Netherlands, with its registered office at World Trade Center,
      Strawinskylaan 1725, 1077 XX Amsterdam, The Netherlands, hereinafter
      referred to as the "Company";

and

2     Folkert H Zwinkels, living at ________________________________________
      The Netherlands, hereinafter referred to as the "Employee".

HAVE AGREED AS FOLLOWS:

ARTICLE 1 - COMMENCEMENT AND DURATION

1.1   The Employee shall be employed by the Company as of 1 October 2001.

1.2   This employment agreement, hereinafter referred to as the "Employment
      Agreement", is entered into for an indefinite period of time.

1.3   The first two months as of 1 October 2001 form a probationary period in
      which either party may terminate the Employment Agreement automatically
      without giving prior notice.

1.4   1.4 The Company may terminate the Employment Agreement by giving 4 months
      notice and the Employee may terminate the Employment Agreement by giving 2
      months notice, such term of notice to expire on the last day of any
      calendar month. Notice as aforesaid must be given in writing.

1.5   The Employment Agreement shall at any time terminate by operation of law,
      without any notice being required, on the last day of the calendar month
      in which the Employee reaches the pensionable age.

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ARTICLE 2 - FUNCTION

2.1   The Employee shall be employed in the position of Treasury Manager. The
      Employee shall perform to the best of his abilities all tasks and duties
      in accordance with the instructions of the Company and as laid down in the
      position description, which has been attached to the Employment Agreement
      as ANNEX 1. The Company reserves the right to give further instructions as
      regards the Employee's tasks and duties with the Company from time to
      time.

2.2   The Employee shall perform his activities in the office of the Company in
      Amsterdam. The Employee is expected to serve the Company or any affiliated
      company if deemed necessary.

2.3   The usual number of working hours shall be 40 per week. The Employee is
      expected to work reasonable overtime if and to the extent that the smooth
      conduct of business would require so. No compensation for work in overtime
      is provided, as it is deemed to be included in the salary and fringe
      benefits as determined in the Employment Agreement.

ARTICLE 3 - SALARY AND HOLIDAY ALLOWANCE

3.1   The Employee's gross base annual salary shall amount to NLG 150.000,--
      ("Gross Salary"). The Gross Salary shall be paid monthly in twelve equal
      instalments of NLG 12.500,-- gross.

3.2   The Employee shall be entitled to a holiday allowance, payable in the
      month of May, equal to 8% of the Gross Salary, earned over the preceding
      period June through May. In the event the employee has not been employed
      for twelve months in time of payment, the Employee shall receive a pro
      rata amount.

ARTICLE 4 - HOLIDAYS

4.1.  The Employee shall be entitled to 24 working days paid holiday per 12
      months of service to be taken by the Employee in consultation with and
      after approval of the Company.

ARTICLE 5 - EXPENSES

5.1.  Approved business travel expenses and other expenses incurred in the
      interest of the Company shall be reimbursed against presentation of
      receipts or other appropriate proof of such expenses.

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ARTICLE 6 - VARIABLE REMUNERATION

Bonus

6.1   The Employee shall be entitled to participate in the James Hardie Economic
      Profit Bonus Plan with a annual target bonus of 15% of Gross Salary.

6.2   If a bonus is awarded in any year it will be paid in the month June.

ARTICLE 7 - COMPANY CAR

7.1   The Company shall make available to the Employee a company car of
      appropriate status and befitting his position, with a Dutch list price of
      approximately NLG 50.000,--. The Company and the Employee shall mutually
      agree upon the type and the list price of the company car. All reasonable
      expenses incidental to the professional use of the car shall be borne by
      the Company except of any personal tax and social security consequences
      (if any). The Employee shall be entitled to reasonable private use the
      company car.

7.2   The Company shall bear all reasonable costs of the company car to the
      extent these costs, at the sole discretion of the Company, arc considered
      to be reasonable, except for any personal income tax to be paid for the
      private use of the car.

ARTICLE 8 - ILLNESS

8.1   In the event of illness, injury or any other incapacity of the Employee,
      the Company shall pay to the Employee 100% of the last gross monthly
      salary, during a maximum period of 12 months.

8.2   If the Employee is prevented from performing duties over 2 or more
      consecutive periods which succeed each other within 4 weeks, these periods
      shall be deemed to be one uninterrupted period.

ARTICLE 9 - PENSION

9.1   The Company shall introduce a pension arrangement for the benefit of the
      employees of the Company. The Employee shall be admitted to this pension
      arrangement, if all applicable conditions are met. The Company shall pay
      100% of the premiums of such pension arrangement, such premiums to based
      on 12% of the Employee's gross annual salary

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ARTICLE 10 - HEALTH CARE INSURANCE

10.1  The Company shall pay 50% of the premiums of the health care insurance of
      the Employee and his family . The Company and the Employee shall mutually
      agree upon which health care insurance shall be reasonable.

10.2  Dutch personal tax and social security consequences (if any), following
      Article 10.1 shall be for the account of the Employee.

ARTICLE 11 - SECRECY

11.1  The Employee shall not, during the term of the Employment Agreement and
      thereafter, disclose to any third party or use for his own benefit any
      information concerning the business of the Company, or any of its
      subsidiaries or affiliated companies which have become known to the
      Employee. "Information concerning the business" includes, without
      limitation, all business, organisational and technical knowledge,
      know-how, proprietary or confidential information, names or addresses of
      customers of the Company or any of its subsidiaries or affiliated
      companies and any other information which is known only to a limited
      number of persons and which is not intended to become known outside of the
      Company, or any of its subsidiaries or affiliated companies.

11.2  All written and other records and all tangibles concerning the Company, or
      any of its subsidiaries or affiliated companies and their businesses which
      are in the possession of the Employee shall be carefully kept and shall be
      immediately returned to the Company, or any of its subsidiaries or
      affiliated companies upon their request, and in any case upon the
      termination of the Employment Agreement. The Employee hereby waives any
      right of retention in respect of records such or tangibles mentioned
      herein.

ARTICLE 12 - PERSONAL GAIN

12.1  The Employee shall not, except with prior written approval of the Company,
      during the term of the Employment Agreement, accept or solicit any
      commission, allowance, gift or consideration whatsoever from (potential)
      customers, suppliers or competitors of the Company. Any unsolicited
      consideration received by the Employee shall be returned immediately and
      the Employee shall forthwith inform the Company. Usual promotional gifts
      with

      limited or no commercial value shall not be regarded as consideration of
      the purpose of this article. In case of doubt, the Employee shall always
      consult with the Company.

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ARTICLE 13 - CONFLICT OF INTEREST

13.1  The Employee shall declare to the Company any potential conflict of
      interest which might affect the decisions of the Company in dealing with
      any third party, where either the Employee or an associate or a family
      member has an interest in that third party by way of employment or
      financial interest or any potential personal gain.

ARTICLE 14 - PENALTY

14.1  In the event of a breach of any of the provisions with respect to secrecy,
      personal gain, and/or conflict of interest, the Employee shall forfeit to
      the benefit of the Company, without any prior notice or judicial
      intervention being required, an immediately payable penalty of NLG
      50.000,-- for any such breach and a penalty of NLG 1.000,-for each day or
      part of a day that any such breach shall continue, without the Company
      being required to prove any damage or loss and without prejudice to the
      right of the Company and of its subsidiaries or affiliated companies to
      demand damages instead.

ARTICLE 15 - WAIVER

15.1  The failure by either the Employee or the Company to require performance
      by the other with respect to any provision thereof shall not affect the
      right of such party to enforce such a provision or provisions, nor shall
      the waiver by the Employee or the Company in any breach hereunder be
      deemed a waiver of any succeeding breach of a modification of any of the
      terms thereof.

ARTICLE 16 - CANDIDATE FOR POSITION OF TREASURER

16.1  It is acknowledged that the Employee will be considered, after not less
      than 15 months of satisfactory performance (in the sole opinion of the
      Company), as a candidate for the position of Treasurer of the Company,
      based in The Netherlands (or such other location as the Company may
      determine), when that position is vacated by D E Cameron, the present
      incumbent.

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ARTICLE 17 - GENERAL

17.1  Any amendments or additions to the Employment Agreement shall be agreed by
      the Employee and the Company in writing.

17.2  Should any provision of the Employment Agreement be or become invalid, the
      validity of the other provision(s) shall not be affected thereby.

17.3  The Employee shall advise the Company immediately of any change of
      address.

17.4  The Employment Agreement is governed by the laws of The Netherlands.

The Employment Agreement has been signed in duplicate.

/s/ DE Cameron                                       /s/ Folkert H Zwinkels
------------------------------------                 ---------------------------
RCI Netherlands Investments B.V.                     Folkert H Zwinkels
to be renamed
James Hardie International Finance B.V.
By: DE. Cameron
Title: Managing Director
Date: 25 July 2001                                            Date: 31 July 2001

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                                                                         ANNEX 1

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                      JAMES HARDIE INTERNATIONAL FINANCE BV

                              POSITION DESCRIPTION

Date:       1 June 2001

Position:   Treasury Manager

Reports to: Treasurer

PRINCIPAL OBJECTIVES

1.    Treasury Operations Management

      To ensure that the day to day treasury operations of James Hardie are
      carried out in accordance with the policies and procedures defined in the
      Treasury Handbook.

2.    Funding

      To assist the Treasurer in the development, implementation and monitoring
      of systems, borrowing facilities, and strategies which allow James Hardie
      to raise and utilise funds under optimal terms and conditions.

3.    Banking Relationships

      To liaise with the banks on the operational aspects of the facilities used
      by James Hardie to ensure their smooth operation, at the same time
      representing James Hardie in a manner which positively promotes its image.

4.    Internal Relationships

      To assist and liaise with James Hardie's operating companies to optimise
      their day to day cash management and transactional banking requirements.

RESPONSIBILITIES

The Treasury Manager is responsible for:

1.    Running the day to day treasury operations and treasury administrative
      functions of James Hardie in an efficient and timely manner and in
      accordance with the Treasury Handbook and having regard to separation of
      duties issues.

2.    Acting as the dealer for foreign exchange and interest rate transactions,
      for borrowing and investing to meet short term cash requirements and for
      operating company major foreign exchange transactions where necessary.

3.    Ensuring that no speculative positions are taken in currency or futures
      markets.

4.    Monitoring the daily cash position of the operating companies and, as
      necessary, investing short term surplus funds to optimise James Hardie's
      interest position.

5.    Ensuring the timely payment of all interest, commitment and transaction
      fees and the provision of compliance certificates and other formal
      notifications under James Hardie's various borrowing facilities.

6.    Maintaining effective and efficient treasury files, recording and
      reporting functions.

7.    Providing monthly, quarterly and annual interest and exchange rate reports
      and forecasts as necessary to meet James Hardie's internal accounting and
      planning requirements.<PAGE>
                                                                    EXHIBIT 4.14

F.H.Zwinkels

                                            JAMES HARDIE INDUSTRIES N.V.

                                            Unit 04-07, Atrium Building
                                            Strawinskylaan 3077
                                            1077 ZX Amsterdam
                                            The Netherlands

                                            Telephone +31 20 3012988
                                            Fax +31 20 4042544

                                            Chamber of Commerce 34106455

Amsterdam, May 18,2003

Attachment to the assignment letter of F.H. Zwinkels:

Relative to any termination of the employment agreement F.H. Zwinkels declares
that (i) as per the date that he has given written notice to terminate the
employment agreement between him and James Hardie International Finance B.V.
dated October 1st, 2001 or the Supervisory Board of James Hardie Industries N.V.
gives written notice to terminate his duties as managing director and/or in his
capacity as treasurer of James Hardie International Finance B.V. he shall
refrain from the performance of any duties regarding his capacity as managing
director and/or treasurer of James Hardie International Finance N.V, and (ii)
that as per the date that he has given written notice to terminate the
employment agreement between him and James Hardie International Finance B.V. or
the Supervisory Board of James Hardie Industries N.V. gives written notice that
it no longer wishes him to serve in his capacity as member of the Board, he
resigns as member of the Managing Board of James Hardie Industries N.V. and he
resigns as member of the (Managing) Board of any subsidiary.

Thus agreed and signed May 18, 2003

                                      On behalf of James Hardie Industries N.V.,

/s/ Folkert H. Zwinkels
------------------------
Folkert H. Zwinkels                   /s/ Peter Macdonald
                                      -----------------------------------------
                                      Peter Macdonald

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