Document:

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                                                                  EXHIBIT 10(ah)

                          INVESTMENT BANKING AGREEMENT

This Agreement is made as of this day November 30, 2001 by and between Universal
Automotive Industries, Inc., having its business office at 11859 South Central
Ave., Alsip, IL (the "Company") and J.P. Turner & Company, L.L.C., with its
principal office located at 3340 Peachtree Road, Atlanta, GA 30326 (the
"Consultant").

WHEREAS, the Company desires to retain the Consultant and the Consultant desires
to be retained by the Company, all pursuant to the terms and conditions
hereinafter set forth:

NOW THEREFORE, in consideration of the foregoing and the mutual promises and
covenants herein contained, it is agreed as follows:

1.       Retention - The Company hereby retains the Consultant to perform
         non-exclusive consulting services related to corporate finance and
         other matters, and the Consultant hereby accepts such retention and
         shall perform for the Company and the duties described herein,
         faithfully and to the best of its ability. In this regard, subject to
         paragraph 7 hereof, the Consultant shall devote such time and attention
         to the business of the Company, as shall be determined by the
         Consultant, subject to the direction of the President or Chief
         Executive Officer of the Company.

         a)       The Consultant agrees, to the extent reasonably required in
                  the conduct of the business of the Company, and at the
                  Company's request, to place at the disposal of the Company its
                  judgement and experience and to provide business development
                  services to the Company including the following:

                  (i) Review business plans and projections.

                  (ii) Review financial data as its relates to financing.

                  (iii) Advise on the Company's capital structure and on
                  alternative for raising capital.

                  (iv) Review and advise on prospective mergers and
                  acquisitions, and on any financing required to complete such
                  transactions.

                  (v) Advise on issues relating to public offerings.

                  (vi) Review managerial needs.

                  (vii) Advise on issues relating to public relations.

2.       Term - The Consultant's retention hereunder shall be for a term of
         twelve months commencing on the date of this Agreement.

3.       Compensation. The Consultant shall be compensated in accordance with
         the following schedule:

         (a)      The Company shall grant to the Consultant a warrant (the
                  "Warrant") to purchase 100,000 shares of the common stock of
                  the Company for a period of thirty-six (36) months at an
                  exercise price of $3.00 per share.

         (b)      The Company shall also re-assign pre-existing warrants to JP
                  Turner. The warrants entitle JP Turner to purchase 60,000
                  shares of the common stock of the Company at an exercise price
                  of $2.50 per share, and 60,000 shares of the common stock of
                  the Company at an exercise price of $2.75 per share. The stock
                  underlying these warrants has been registered.

         The Company also agrees, to grant to the Consultant, subject to the
         conditions listed below, the

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         right to demand registrations of the Common Stock issuable upon
         exercise of the Warrant referred to above,

         The Company also agrees, to grant to the Consultant, subject to the
         conditions listed below, the right to demand registrations of the
         Common Stock insurable upon exercise of the Warrant referred to above,
         on up two (2) occasions with all expenses of the first registration to
         be borne by the Company and all expenses of the second registration to
         be borne by the Consultant; provided, however, that such demand
         registration rights shall be exercisable after twelve (12) months from
         the date of the Agreement.

         The Company will, subject to the conditions listed below, to the extent
         necessary to permit the sale of such shares, grant "piggy back"
         registration rights to include the shares of the Common Stock insurable
         upon exercise of the Warrant in any registration statement filed by the
         Company under the Securities Act of 1933 relating to any underwriting
         of the sale of Common stock or other security. Inclusion of such shares
         is subject to the willingness of the managing underwriter(s) to include
         said shares of Common Stock. In the event that the Company after the
         date hereof grants registration rights to any other shareholder on
         terms and conditions the Consultant deems to be more favorable than
         these granted hereunder, the Company agrees to grant the same rights to
         the Consultant.

4.       Expenses - the Company agrees to reimburse the Consultant for
         reasonable expenses incurred by the Consultant in connection with the
         services rendered hereunder, including but not limited to the
         Consultant's due diligence activities with respect to the Company. Any
         such expenses shall require the prior written approval of the Company.

5.       Indemnification - Since the Consultant will be acting on behalf of the
         Company in connection with its engagement hereunder, the Company and
         Consultant have entered into a separate indemnification agreement
         substantially in the form attached hereto as Exhibit A and dated the
         date hereof, providing for the indemnification of Consultant by the
         Company. The Consultant has entered into this Agreement in reliance on
         the indemnities set forth in such indemnification agreement.

6.       Status of Consultant - The Consultant shall be deemed to be an
         independent contractor and, except as expressly provided or authorized
         in this Agreement, shall have no authority to act for or represent the
         Company.

7.       Other Activities of Consultant - The Company recognizes that the
         Consultant now renders and may continue to render financial consulting
         and other investment banking services to other companies, which may or
         may not conduct business and activities similar to those of the
         Company. The Consultant shall not be required to devote its full time
         and attention to the performance of its duties under this Agreement,
         but shall devote only so much of its time and attention as it deems
         reasonable or necessary for such purposes. The Consultant shall give
         written notice to the Company upon acceptance of any investment banking
         agreement with other companies in similar industries and businesses.
         The Consultant agrees to maintain as confidential any information it
         procures in rendering consulting services hereunder regarding the
         Company that is not generally known to the public, and agrees to not
         transmit any of such information to: (i) any employees of Consultant
         engaged in the trading of the Company's securities; or (ii) any
         competitors of the Company for whom Consultant performs consulting
         services. Consultant agrees that for so long as it provides services
         under this Agreement or owns warrants or common stock of the Company
         either directly or through affiliates, that neither Consultant nor its
         affiliates will sell short any of the Company's securities, except to
         maintain

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         and orderly market as a market maker.

8.       Control - Nothing contained herein shall be deemed to require the
         Company to take any action contrary to its Certificate of Incorporation
         or By-Laws, or any applicable statute or regulation, or to deprive its
         Board of Directors of their responsibility for any control of the
         conduct of the affairs of the Company.

9.       Notices - Any notices hereunder shall be sent to the Company and the
         Consultant at their respective addresses above set forth. Any notice
         shall be given by registered or certified mail, postage prepaid, or
         overnight receipted delivery service (such as Federal Express) and
         shall be deemed to have been given when deposited in the United States
         mail. Either party may designate any other address to which notice
         shall be given, by giving written notice to the other of such change in
         address in the manner herein provided.

10.      Governing Law - This Agreement has been made in the State of Georgia
         and shall be construed and governed in accordance with the laws thereof
         without regard to conflicts of laws.

11.      Entire Agreement - This Agreement contains the entire agreement between
         the parties, may not be altered or modified, except in writing and
         signed by the party to be charged thereby and supersedes any and all
         previous agreements between the parties.

12.      Binding Effect - This Agreement shall be binding upon the parties
         hereto and their respective heirs, administrators, successors, and
         assigns.

13.      Termination - Either party may terminate this Agreement in writing. In
         the event of termination, compensation paid to Consultant, as outlined
         above, will have been fully earned by Consultant for services rendered
         as described herein.

IN WITNESS WHEREOF, the parties hereto have executed this Agreement the day and
year first above written.

UNIVERSAL AUTOMOTIVE INDUSTRIES, INC.

By:       /s/ Arvin Scott
         ---------------------------
Name:     Arvin Scott
         ---------------------------
Title:    President CEO
         ---------------------------
Date:     12/18/01
         ---------------------------

J.P. TURNER & COMPANY, L.L.C.

By:       /s/ Patrick Power
         ---------------------------
Name:     Patrick Power
         ---------------------------
Title:    Managing Director
         ---------------------------
Date:     12/31/01
         ---------------------------<PAGE>
                                                                  EXHIBIT 10(ai)

                         CORPORATE CONSULTING AGREEMENT

         This Agreement is entered into this 16th day of October, 2001, by and
between Universal Automotive Industries, Inc. (the "Company") and Schneider
Securities, Inc. (the "Consultant").

         WHEREAS, Company is seeking advice as to various business matters; and

         WHEREAS, Company desires to engage Consultant to advise it with regard
to such matters, and

         WHEREAS, Company and Consultant desire to enter into this Agreement
upon the terms and conditions hereof.

         NOW THEREFORE, upon the consideration of the mutual promises and
agreements contained herein, the parties agree as follows:

                                    AGREEMENT

1.       ENGAGEMENT OF CONSULTANT. The Company hereby engages Consultant and
         Consultant hereby agrees to render services to the Company as set forth
         below.

2.       SERVICES. During the term of this Agreement, Consultant shall place at
         the disposal of the Company its judgment and experiences and provide
         advice to, and consult with, the Company concerning:

                  -        business and financial planning;

                  -        corporate organization and structure;

                  -        capital structure;

                  -        business plans and projections;

                  -        valuation of the Company;

                  -        enhancement of the depth and breath of the market for
                           the Company's securities;

                  -        alternatives for raising capital;

                  -        review of merger and acquisition opportunities;

                  -        meetings with members of the financial community;

                  -        relations with its securities holders;

                  -        management needs;

                  -        preparation and distribution of periodic reports.

         The Consulting shall be provided to the Company in such form, manner
         and place as the parties reasonably agree. The Consultant shall devote
         as much time as may be reasonably necessary to provide the consulting
         services. Consultant shall not by this Agreement be prevented or barred
         from rendering services of the same or similar nature, as herein
         described, or services of any nature whatsoever, for, or on behalf of,
         persons, other than Company. Similarly, Company shall not be prevented
         or barred from seeking or requiring services of a same or similar
         nature from persons other than Consultant.

3.       ACCURACY OF INFORMATION. Consultant may rely on all information
         provided by the Company and Consultant may disclose such information to
         third parties with the Company's consent. The Company shall be solely
         responsible for obtaining confidentiality agreements from any person;
         provided, however, Consultant, at the request of the Company, shall
         obtain such an agreement from a person in the form proscribed by the
         Company.

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4.       TERM. The term of this Agreement shall be for a twelve (12) month
         period commencing on the date of this Agreement. During the term of
         this Agreement, a party may terminate the Agreement should there be a
         material breach of this Agreement by the other party that is not
         corrected within ten (10) days of notice being given by the
         non-breaching party. The Agreement may be extended for another term of
         one year upon written consent of the parties.

5.       COMPENSATION. The Company shall pay to the Consultant $2,500 per month
         payable quarterly in advance, the first installment payable upon the
         signing of this Agreement. An initial, one time fee of $10,000 is also
         to be paid to the Consultant by the Company upon the signing of this
         Agreement. Additionally, the Company will grant to Schneider Securities
         warrants (the "Warrant") to purchase 200,000 shares of the Company's
         common stock, 100,000 Warrants with an exercise price of $2,000 per
         common share, and 100,000 Warrants with an exercise price of $2.50 per
         common share, exercisable not less than twelve (12) months from the
         date of this Agreement for a period of 36 months thereafter. The
         Company shall reimburse the Consultant for all out-of-pocket expenses
         incurred on behalf of the Company within thirty (30) days of submission
         of a statement of said expenses by the Consultant. Expenses shall
         require prior written approval of the Company. In the event of
         termination of this agreement, all cash fees that would accrue after
         the date of termination would lapse and all warrants granted hereunder
         shall be reduced by the percentage of the year's term remaining
         following the termination.

         The Company also agrees to grant to the Consultant, subject to the
         conditions listed below, the right to demand registration of the Common
         Stock insurable upon exercise of the Warrant referred to above, on one
         (1) occasion with all expenses of the registration to be borne by the
         Company; provided, however, that such demand registration rights shall
         be exercisable after twelve (12) months from the date of the Agreement,
         and the expense borne by the Company does not exceed $5,000.

         The Company will, subject to the conditions listed below, to the extent
         necessary to permit the sale of such shares, grant "piggy back"
         registration rights to include the shares of Common Stock insurable
         upon exercise of the Warrant in any registration statement filed by the
         Company under the Securities Act of 1933 relating to any underwriting
         of the sale of Common stock or other security. Inclusion of such shares
         is subject to the willingness of the managing underwriter(s) to include
         said shares.

6.       MERGER AND ACQUISITION. The Company may, in its sole discretion which
         shall be deemed exercised only if a written request for such service is
         provided by the Company, engage Consultant to assist it in negotiating,
         structuring and evaluating a potential merger or acquisition and shall
         pay a fee to Consultant for its services calculated as follows:

         -5% of the value of the Transaction to the Company up to and including
         $2,000,000;
         -4% of the value of the Transaction to the Company greater
         than $2,000,000 and up to and including $4,000,000;
         -3% of the value of the Transaction to the Company greater than
         $4,000,000 and up to and including $6,000,000;
         -2% of the value of the Transaction to the Company greater than
         $6,000,000 and up to and including $8,000,000;
         -1% of the value of the Transaction to the Company in excess of
         $8,000,000.

         Value of the Transaction (consideration) is defined as:

         a.       The total proceeds and other consideration (including cash,
                  securities or installments)

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                  issued in connection with an asset purchase, acquisition,
                  merger, joint venture or investment.

         b.       If a portion of such consideration includes contingent
                  payments (whether or not related to future earnings or
                  operations), aggregate consideration will be paid as the
                  payments are made.

         c.       In the event that the aggregate consideration for the
                  Transaction consists in whole or in part of securities, for
                  the purpose of calculating the amount of aggregate
                  consideration, the value of such securities will be the
                  average bid of closing prices for five consecutive business
                  days preceding the consummation of the Transaction or, in the
                  absence of a public market thereof, the fair market value
                  thereof shall be as the Company and the Consultant agree on
                  the day preceding the consummation of the Transaction.

7.       DISCLAIMER OF RESPONSIBILITY FOR ACTS OF COMPANY. The obligations of
         the Consultant described in this Agreement consist of consulting
         services to the Company. In no event shall Consultant be required by
         this Agreement to act as the agent of Company or otherwise to represent
         or make decisions for Company. All final decisions with respect to acts
         of Company or its affiliates, whether or not made pursuant to or in
         reliance on information or advice furnished by Consultant hereunder,
         shall be those of Company or such affiliates, and Consultant shall
         under no circumstances be liable as a consequence of such decisions.

8.       INDEMNITY. The Company agrees to indemnify and hold Consultant, its
         affiliates, control persons, officers, directors, employees, agents and
         sureties harmless from and against all losses, claims, damages,
         liabilities, cost or expenses (including reasonable attorneys and
         accountants fees and the cost of any of Consultant's personnel involved
         in any such matter) arising out of Consultant's entering into or
         providing services under this Agreement, including costs arising out of
         any dispute whether or not Consultant is a party to such dispute
         provided that such indemnity shall not extend to acts of willful
         misconduct or malfeasance by consultants.

         If for any reason the foregoing indemnification is unavailable to
         Consultant and/or the other indemnified persons, or insufficient to
         hold them harmless, then the Company shall contribute to the amount
         paid or payable by Consultant and/or the other indemnified persons as a
         result of such loss, claim, damage, liability, cost or expense in such
         proportion as is appropriate to reflect not only the relative benefits
         received by the Company and its affiliates, control persons, officer,
         directors, employees, agents and sureties ("Associated Persons") on the
         one hand and Consultant and/or the other indemnified persons on the
         other hand but also the relative fault of the Company and its
         Associated Persons and Consultant and/or the other indemnified persons,
         as well as any relevant equitable considerations. The reimbursement,
         indemnity and contribution obligations of the Company under this
         Section shall be in addition to any liability which the Company may
         otherwise have and shall be binding upon and insure to the benefit of
         any successor, assigns, heirs and personal representatives of the
         Company, Consultant and any such indemnified person. The provisions of
         this Section shall survive the termination and expiration of this
         Agreement.

9.       AMENDMENT. No amendment to this Agreement shall be valid unless such
         amendment is in writing and is signed by authorized representatives of
         all the parties to this Agreement.

10.      WAIVER. Any of the terms and conditions of this Agreement may be waived
         at any time and from time to time in writing by the party entitled to
         the benefit hereof, but a waiver in one instance shall not be deemed to
         constitute a waiver in any other instance. A failure to enforce any
         provision of this Agreement shall not operate as a waiver of this
         provision or any other provision hereof.

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11.      SEVERABILITY. In the event that any provision of this Agreement shall
         be held to be invalid, illegal or unenforceable in any circumstances,
         the remaining provisions shall nevertheless remain in ful force and
         effect and shall be construed as if the unenforceable portion or
         portions were deleted.

12.      ASSIGNMENT. This Agreement shall be binding upon and insure to the
         benefit of the parties and their respective successors and permitted
         assigns. Any attempt by either party to assign any rights, duties or
         obligations which may arise under this Agreement without the prior
         written consent of the other party shall be void.

13.      GOVERNING LAW. The validity, interpretation and construction of this
         Agreement and each part thereof will be governed by the laws of the
         State of Colorado.

14.      COUNTERPARTS. This Agreement may be executed in any number of
         counterparts, each of which may be deemed an original and all of which
         together will constitute one and the same instrument.

15.      ARBITRATION. The parties agree that all controversies which may arise
         between them concerning any transaction, the construction, performance
         or breach of this Agreement shall be determined by arbitration in
         accordance with the rules of the National Association of Securities
         Dealers, Inc. This shall ensure to the benefit of and be binding on the
         Company, its affiliates, control persons, directors, officers,
         employees, agents and sureties and on the Consultant, its affiliates,
         control persons, directors, officers, employees, agents and sureties.
         Any award rendered in arbitration may be enforced in any court of
         competent jurisdiction.

16.      Any notices required under this Agreement shall be deemed to be in
         compliance if mailed Certified Mail/Return Receipt Requested to the
         addressee as hereafter listed.\

                  Schneider Securities, Inc.
                  5445 DTC Parkway
                  Suite 940
                  Greenwood Village, CO  80111

                  Universal Brake Parts
                  11859 South Central Ave.
                  Alsip, IL  60803

                                           Universal Automotive Industries, Inc.
                                           (The "Company")

                                           By:        /s/ Arvin Scott
                                                    ----------------------------
                                                    Arvin Scott
                                                    President

                                           Schneider Securities, Inc.

                                           By:        Steven R. Hinkel
                                                    ----------------------------
                                                    Steven R. Hinkle
                                                    Vice President - Investments

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