Document:

<PAGE>

                                EXHIBIT 10.13

                                 EXH 10.13
<PAGE>
                           RETIREMENT AGREEMENT

     FOR AND IN CONSIDERATION of the mutual promises and covenants stated
herein, E. Stephen Purdom (hereinafter referred to as "Purdom") and American
Family Life Assurance Company of Columbus, a Georgia corporation
(hereinafter referred to as "AFLAC"), do hereby enter into this Retirement
Agreement (this "Agreement") on the 16th day of February, 2000.

     1.  RETIREMENT PAYMENTS.

     (a) Cash Benefits.  The parties agree that Purdom desires to retire
from his employment with AFLAC, and his last day of active employment will
be June 30, 2000.  In consideration of the promises contained herein, and
other good and valuable consideration, the sufficiency of which is hereby
acknowledged, AFLAC agrees to pay Purdom the following:

         (i)    A benefit amount of $23,713, payable each month for the
                period commencing on July 1, 2000 and ending with the
                payment due on May 1, 2012 or, if earlier, the first day
                of the month during which Purdom dies; and

         (ii)   If Purdom survives until June 1, 2012, a benefit amount of
                $22,099, payable each month for the period commencing on
                June 1, 2012 and ending with the payment due on the first
                day of the month during which Purdom dies; and

         (iii)  One-half of the bonus amount Purdom would have received
                under the AFLAC 2000 Management Incentive Plan if (A) he had
                remained employed through December 31, 2000, and (B) his
                bonus was calculated under the terms of said plan using the
                same formula as will be used for active participants.  Such
                bonus amount will be paid in 2001 at the same time as
                payment is made to active participants.

     (b) Exclusive Retirement Payments.  Except for the benefits described
in Paragraph 2 hereof, Purdom shall be entitled to no further compensation
from AFLAC; however, nothing in this Agreement shall expand or limit
Purdom's rights under the AFLAC Incorporated Pension Plan, the AFLAC
Incorporated Executive Deferred Compensation Plan or the AFLAC Incorporated
401(k) Savings and Profit Sharing Plan.  This agreement shall not affect
Purdom's compensation or benefits as a member of the AFLAC Incorporated
Board of Directors.

     2.  CONTINUED HEALTH PLAN BENEFITS.  Until Purdom becomes eligible for
(i) group health plan coverage under a plan sponsored by another employer or
(ii) Medicare benefits, whichever occurs earlier, he shall remain eligible
to continue his participation (and, to the extent elected, his spouse's and
dependent's participation) in the AFLAC Incorporated Group Health Plan under
terms similar to those available to active employees; provided, if he ceases
making the requisite contributions or terminates his coverage at any time
for any reason, his participation in said plan shall permanently cease.  For
other AFLAC policies in which Purdom has coverage and which permit
conversion to an individual policy, he will be given an opportunity to
continue that coverage on a direct, individual basis.  For coverage under
the AFLAC Incorporated Employee Dental Plan, Purdom's regular coverage will
cease as of June 30, 2000, and COBRA provisions will govern future coverage.
Purdom's coverage under the officers' group life insurance will cease as of

                                EXH 10.13-1
<PAGE>
June 30, 2000.  After June 30, 2000, Purdom will not make further
contributions to the AFLAC Incorporated 401(k) Savings and Profit Sharing
Plan or the AFLAC Incorporated Executive Deferred Compensation Plan, nor
will he accrue any additional benefits under the AFLAC Incorporated Pension
Plan or the AFLAC Incorporated Supplemental Executive Retirement Plan.
Purdom will be provided information on his options for payment of any of his
vested accrued benefits under these plans.

     3.  CONSULTING SERVICES.  For the period of time commencing July 1,
2000 and ending on the earliest of May 25, 2002, or the date of Purdom's
death or disability, Purdom agrees that he will be available to AFLAC on a
consulting basis to render advice or assistance as requested by AFLAC
Incorporated's Chief Executive Officer or other members of AFLAC's executive
management (collectively, "AFLAC's Executive Management").  AFLAC agrees
that all such requests for Purdom's assistance will be reasonable as to
time, place and manner.  AFLAC also agrees that it shall make every effort
to coordinate in advance with Purdom's schedule any such requests for
services.  AFLAC will reimburse Purdom for any necessary out-of-pocket
expenses he incurs as a result of providing those services to AFLAC.

     4.  NONCOMPETITION.  The payment of all future payments of annual
retirement benefits to Purdom under this Agreement shall immediately and
permanently cease and be forfeited if AFLAC's Compensation Committee, in its
sole discretion, determines that, during the 2-year period commencing on
July 1, 2000, Purdom, without the prior written consent of AFLAC's Executive
Management whose consent shall not be unreasonably withheld, is
participating or engaging in any business that the Compensation Committee of
the Board of Directors of ALFAC Incorporated (the "Compensation Committee"),
in its sole discretion, determines is competitive with any of the business
activities of AFLAC (or any subsidiary or affiliate of AFLAC) in any states
or foreign countries in which AFLAC or any of its subsidiaries or affiliates
do business; provided, prior to causing a forfeiture as provided herein, the
Compensation Committee shall give Purdom written notice of its intent to do
so unless Purdom ceases such specifically identified competitive activities
within 15 days of his receipt of such notice.  For purposes of this
paragraph, "participating or engaging in" means acting as an agent,
consultant, representative, officer, director, member, independent
contractor or employee; or as an owner, partner, limited partner, joint
venturer, creditor, or shareholder (except as a shareholder holding no more
than 1% interest in a publicly traded entity).

     5.  CONFIDENTIALITY.

     (a) Acknowledgements.  Purdom acknowledges that:

         (i)    During the term of his employment with AFLAC, he has been
                privy to (A) certain confidential and propriety information
                of AFLAC which constitutes trade secrets as defined in the
                Georgia Trade Secret Act of 1990 (the "Act"), and
                (B) certain other confidential proprietary information of
                AFLAC that may not constitute trade secrets as defined in
                the Act;

         (ii)   AFLAC must protect both kinds of information (described in
                subsection (a)(i) hereof) from disclosure or
                misappropriation;

                                EXH 10.13-2
<PAGE>
         (iii)  The processes, machines, technical documentation, computer
                programs, customer lists, identity of customers, business
                plans, marketing plans and techniques, pricing data,
                financial data, marketing programs, customer files,
                financial institution files, technical expertise and know
                how, and other confidential and proprietary information and
                trade secrets, whether as defined in the Act or which may
                lie beyond it (collectively, the "Property"), which have
                been provided to Purdom by AFLAC are unique, confidential
                and proprietary property of AFLAC;

         (iv)   By the provision of the Property to Purdom, AFLAC has not
                conveyed any ownership or other interest to Purdom; and

         (v)    The Property derives independent, actual and potential
                commercial value from not being generally, readily
                ascertainable through independent development and is the
                subject of efforts by AFLAC that are reasonable under the
                circumstances to maintain its secrecy.

     (b) Agreement.  Purdom agrees to hold in trust and confidence for AFLAC
and to not disclose to any third party, without the prior written consent of
AFLAC's Executive Management, the Property, whether it is tangible or
intangible.  Purdom further agrees not to use any of the Property to his
personal benefit or for the benefit of any third party.  Purdom also agrees
to return to AFLAC all such Property which is tangible upon the termination
of his employment hereunder.  Notwithstanding the foregoing, the Property
protected hereunder will not include any data or information that has been
disclosed to the public (except where such public disclosure has been made
by Purdom without authorization), that has been independently developed and
disclosed by others, or that otherwise enters the public domain through
lawful means.

     (c) Timing.  Purdom's obligations under the nondisclosure provision in
this Paragraph 5 as it relates to Property that is confidential information
but that does not constitute trade secrets will apply for a period of 2
years following termination of Purdom's employment.

     (d) Remedies.  It is specifically agreed that, if Purdom engages in any
such activity prohibited under this Paragraph 5, AFLAC shall, in addition to
any other rights it may have under this Agreement and applicable law, be
entitled to injunctive relief or, if AFLAC shall so elect (due to difficulty
of determining damages), be entitled to liquidated damages in the amount of
$500,000.  In addition, the payment of the annual retirement benefit to
Purdom under Paragraph 1 shall immediately cease and be forfeited if Purdom
engages in any such activity prohibited under this Paragraph 5 without the
prior written consent of AFLAC's Executive Management.

     6.  NON-SOLICITATION OF EMPLOYEES.  Purdom agrees that, for 2 years
following the termination of his employment with AFLAC, unless otherwise
authorized by AFLAC's Executive Management, he will not actively recruit,
solicit or induce any person or entity, who within 1 year prior to
termination of his employment hereunder was an employee, agent,
representative or sales person of AFLAC or its affiliates, to leave or cease
his or her employment or other relationship with AFLAC for any reason
whatsoever.

                                EXH 10.13-3
<PAGE>
     7.  ERISA APPLICATION.  It is the desire and intent of the parties that
the provisions of Paragraphs 4, 5 and 6 shall be enforced to the fullest
extent (i) permissible under the Employee Retirement Income Security Act of
1974, as amended ("ERISA"), or (ii) to the extent ERISA is not preemptive,
under the laws and public policies applicable to each jurisdiction in which
enforcement is sought.  If any provision or portion of Paragraph 4, 5 or 6
shall be adjudicated to be invalid or unenforceable, such paragraph shall be
amended to delete therefrom such provision or portion adjudicated to be
invalid or unenforceable and to substitute therefore such lesser provision
or portion thereof as shall then be valid and enforceable; provided, such
deemed amendment shall apply only with respect to the operation of Paragraph
4, 5 or 6 in the particular jurisdiction on which such adjudication is made.

     8.  RETURN OF PROPERTY.  Purdom agrees that he will return to AFLAC any
and all company property in his possession, including but not limited to
credit cards, telephone calling cards, computers, pagers, reports and
materials, and will have any outstanding expenses and travel advances
reconciled by June 30, 2000.  Purdom desires to purchase certain office
furnishings from AFLAC (attached hereto on Exhibit A) and may do so at their
fair market value price as determined by AFLAC.

     9.  RELEASE.  As a condition to AFLAC paying the benefit provided
hereunder and as consideration therefor, Purdom shall, upon the termination
of his employment with AFLAC, execute and enter into the Release Agreement
in the form attached hereto as Exhibit B.

     10. ARBITRATION.  Any controversy or claim arising out of or relating
to this Agreement, or the breach thereof, shall be settled by binding
arbitration in accordance with the Commercial Arbitration Rules of the
American Arbitration Association.  The parties shall notify each other of
the existence of an arbitrable controversy by certified mail and shall
attempt in good faith to resolve their differences within 15 days after the
receipt of such notice.  If the dispute cannot be resolved within the said
15-day period, either party may file a written demand for arbitration with
the other party.  Purdom and AFLAC agree that they will seek to enforce any
arbitration award in the Superior Court of Muscogee County, Georgia.  The
decision of the arbitrator shall be final and binding upon the parties, and
judgment upon the award rendered by the arbitrator may be entered by any
court having jurisdiction.  Purdom and AFLAC agree to share equally the fees
and expenses associated with the arbitration proceedings.

     11. TYPE OF OBLIGATIONS.  This Agreement constitutes a nonqualified
deferred compensation plan covering a key management employee and thereby is
a pension plan covered by ERISA.  AFLAC's obligations to pay benefits under
this Agreement constitute mere promises to pay such benefits, and Purdom
shall be and remain no more than an unsecured, general creditor of AFLAC.

     12. TAXES.  If the whole or any part of Purdom's benefit hereunder
shall become subject to any estate, inheritance, income, employment or other
tax which AFLAC or an affiliate shall be required to pay or withhold, AFLAC
shall have the full power and authority to withhold and pay such tax out of
any monies or other property in its hand for the account of Purdom.  Prior
to making any payment, AFLAC may require such releases or other documents
from any lawful taxing authority as they shall deem necessary.

                                EXH 10.13-4
<PAGE>
     13. CLAIMS.

     (a) Initial Claim.  Claims for benefits under this Agreement may be
filed with AFLAC in such written documents as the General Counsel for AFLAC
may prescribe.  AFLAC shall furnish to Purdom written notice of the
disposition of a claim within 90 days after the application therefor is
filed, or such longer period as may be reasonably necessary but not to
exceed 180 days.  In the event the claim is denied, the notice of the
disposition of the claim shall provide the specific reasons for the denial,
citations of the pertinent provisions of this Agreement, and, where
appropriate, an explanation as to how Purdom can perfect the claim and/or
submit the claim for review.

     (b) Appeal.  If Purdom's claim for benefits is denied, he may appeal
the denial of his claim to AFLAC's Compensation Committee.  Purdom (or his
duly authorized representative) may review pertinent documents related to
this Agreement (if any) in AFLAC's possession in order to prepare the
appeal.  The request for review, together with written statement of Purdom's
position, must be filed with the Compensation Committee no later than 60
days after receipt of the written notification of denial of a claim provided
for in subparagraph (a).  The Compensation Committee's decision shall be
made within 60 days following the filing of the request for review, or such
longer period as may be reasonably necessary but not to exceed 120 days.  If
unfavorable, the notice of the decision shall explain the reasons for denial
and indicate the provisions of this Agreement or other documents used to
arrive at the decision.

     (c) Satisfaction of Claims.  Any payment to Purdom shall, to the extent
thereof, be in full satisfaction of all claims hereunder against AFLAC, and
as a condition to such payment, AFLAC may require Purdom to execute a
receipt and release therefor in such form as shall be determined by AFLAC.
If receipt and release is required but Purdom does not provide such receipt
and release in a timely enough manner to permit a timely payment in
accordance with the general timing of payment under this Agreement, any
affected payment may be delayed until AFLAC receives a proper receipt and
release.

     14. MISCELLANEOUS.

     (a) No Assignment.  The right of Purdom or any other person to receive
payments under this Agreement shall not be assigned, transferred, pledged or
encumbered.

     (b) Controlling Law.  This Agreement shall be construed, administered
and governed in all respects in accordance with applicable federal law
(including ERISA) and, to the extent not preempted by federal law, in
accordance with the laws of the State of Georgia.  If any provisions of this
instrument shall be held by a court of competent jurisdiction to be invalid
or unenforceable, the remaining provisions hereof shall continue to be fully
effective.

     (c) Counterparts.  This Agreement may be executed in counterparts, each
of which will be deemed an original, but all of which together will
constitute one and the same instrument.

     (d) Headings, References.  The headings and captions used in this
Agreement are used for convenience only and are not to be considered in

                                EXH 10.13-5
<PAGE>
construing or interpreting this Agreement.  All references in this Agreement
to sections will, unless otherwise provided, refer to sections hereof.

     (e) Amendments and Waivers.  Except as otherwise specified herein, this
Agreement may be amended, and the observance of any term of this Agreement
may be waived (either generally or in a particular instance and either
retroactively or prospectively), only with the written consent of AFLAC and
Purdom.

     (f) No Third-Party Beneficiaries.  Nothing herein, expressed or
implied, is intended or will be construed to confer upon or give to any
person, firm, corporation or legal entity, other than the parties hereto and
AFLAC's affiliates, any rights, remedies or other benefits under or by
reason of this Agreement.

     (g) Notices.  All notices, communications and deliveries hereunder must
be made in writing signed by or on behalf of the party making the same and
must be delivered personally or by telecopy transmission or electronic
network transmission or sent by registered or certified mail (return receipt
requested) or by any national overnight courier service (with postage and
other fees prepaid) as follows:

         (i)    To Purdom, at the address maintained in AFLAC's records from
                time-to-time.

         (ii)   To AFLAC:
                     AFLAC Incorporated
                     Worldwide Headquarters
                     1932 Wynnton Road
                     Columbus, GA 31999-0001
                     Attn:  General Counsel

or to such other representative or at such other address of a party as such
party hereto may furnish to the other parties in writing.  Any such notice,
communication or delivery will be deemed given or made (i) on the date of
delivery if delivered in person (by courier service or otherwise), (ii) upon
transmission by facsimile or electronic network transmission if receipt is
confirmed by telephone, provided transmission is made during regular
business hours, or if not, the next business day, or (iii) on the third
business day after it is mailed by registered or certified mail.

     (h) Binding Effect.  This Agreement will be for the benefit of, and
will be binding upon, AFLAC and Purdom and their respective heirs, personal
representatives, legal representatives, successors and assigns.

     (i) Sole Agreement.  This Agreement is the sole agreement providing for
the benefits and other matters described herein, and any other additional or
conflicting document of any earlier date is hereby superseded.

                                EXH 10.13-6
<PAGE>
     IN WITNESS WHEREOF, the Purdom has executed, and AFLAC has caused its
duly authorized officer to execute this Agreement on the date first written
above, all being done in duplicate originals, with one original being
delivered to each party.

                                             /s/ E. Stephen Purdom
                                            ------------------------------
                                            E. Stephen Purdom

                                            AMERICAN FAMILY LIFE ASSURANCE
                                            COMPANY OF COLUMBUS

                                            By:  /s/ Joey M. Loudermilk
                                               ---------------------------

                                EXH 10.13-7
<PAGE>
                                 EXHIBIT A

                             OFFICE FURNISHINGS

        Item                                       Fair Market Value
     ----------                                  ---------------------

                                EXH 10.13-8
<PAGE>
                                 EXHIBIT B

                             RELEASE AGREEMENT

     This Release Agreement (this "Release") is entered into on the date(s)
signed below by and between American Family Life Assurance Company of
Columbus, a Georgia corporation (hereinafter referred to as "AFLAC") and E.
Stephen Purdom (hereafter referred to as "Purdom").

                                 RECITALS

     BACKGROUND.  Purdom and AFLAC agree, and have entered into a Retirement
Agreement, dated February 16, 2000 (the "Retirement Agreement"), providing
for Purdom's Retirement from his employment with AFLAC as of June 30, 2000.
As provided in the Retirement Agreement, the benefits described in the
Retirement Agreement will become payable to Purdom only after he executes
this Release and it becomes effective and irrevocable.

     NOW, THEREFORE, in exchange for the promise to receive certain benefits
under the Retirement Agreement, and other good and valuable consideration
the sufficiency of which is hereby acknowledged, Purdom and AFLAC agree as
follows:

1.  RELEASE.  As consideration for the benefits extended to Purdom under the
terms of the Retirement Agreement, benefits to which the Purdom acknowledges
he would not otherwise be entitled, Purdom agrees, for Purdom and his heirs
and assigns, to forever release and discharge AFLAC INCORPORATED and
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS, and its subsidiaries,
related companies, predecessors, successors and assigns, officers,
directors, agents, employees, and former employees from any and all claims,
debts, promises, agreements, demands, causes of action, losses and expenses
of every nature whatsoever known or unknown, suspected or unsuspected, filed
or unfiled, arising prior to the effective date of this Release, or arising
out of or in connection with Purdom's employment by and termination from
AFLAC and any affiliate of AFLAC.  This total release includes, but is not
limited to, any claims that may arise under the Civil Rights Acts of 1964
and 1991, the Age Discrimination in Employment Act, the Rehabilitation Act
of 1973, the Older Worker's Benefit Protection Act, the Americans with
Disabilities Act of 1990 or any other federal, state or local law relating
to discrimination in employment or otherwise regulating the employment
relationship, or regulating the health or safety of the workplace.  This
Release does not extend to unemployment compensation claims or workers'
compensation claims.  Purdom does not waive or release any claims that may
arise after the effective date of this Release, which are based upon actions
or omissions of AFLAC that occur after such date.

2.  COVENANT NOT TO SUE.  Purdom agrees that he will not file any action or
suit contesting the legality of the termination of his employment or the
validity of this Release or attempting to negate, modify or reform this
Release.  Purdom warrants and represents that Purdom has not assigned or in
any way conveyed, transferred or encumbered all or any portion of the claims
or rights covered by this Release.

3.  EFFECTIVE DATE OF RELEASE.  Purdom understands and acknowledges that he
may take up to 21 days to consider whether or not he desires to enter into
this Release.  Purdom warrants and represents that he was not coerced,
threatened or otherwise forced to sign this Release.  Purdom represents and

                                EXH 10.13-9
<PAGE>
acknowledges that any execution of this Release is done on a voluntary
basis.  After signing and delivering this Release to AFLAC, Purdom will have
7 calendar days during which he may choose to revoke this Release.  If
Purdom chooses to revoke this Release, it must be done so in writing and
delivered to AFLAC.  Purdom and AFLAC acknowledge and agree that this
Release is not effective until and upon the expiration of such 7-day
revocation period.  After expiration of the 7-day revocation period, this
Release will be binding upon Purdom and AFLAC and will be irrevocable.

4.  ACKNOWLEDGMENT.  Purdom warrants and represents to AFLAC as follows:

    (a)  Purdom has had ample time to review all of the provisions of this
         Release and fully understands it.

    (b)  Purdom has been encouraged by AFLAC to review all provisions of
         this Release with independent legal counsel and other advisors and
         has had the opportunity to pursue such a review.

EXECUTED by AFLAC and Purdom on the dates set forth below.

                                       AMERICAN FAMILY LIFE ASSURANCE
                                       COMPANY OF COLUMBUS ("AFLAC")

                                       By:  /s/ Joey M. Loudermilk
                                          --------------------------------

                                       Date:   2/16/2000
                                            ------------------------------

                                       E. STEPHEN PURDOM

                                         /s/ E. Stephen Purdom
                                       -----------------------------------
                                       Signature

                                          February 16, 2000
                                       -----------------------------------
                                       Date

                                EXH 10.13-10<PAGE>          1

                                                                 Exhibit 10.1(d)

                        LOAN AGREEMENT - EIGHTH AMENDMENT

      This Loan Agreement - Eighth Amendment (hereinafter referred to as "Eighth
Amendment") is made and effective as of the 28th day of February, 2001,  by  and
between  Hecla  Mining Company, a Delaware corporation, whose  address  is  6500
Mineral  Drive,  Coeur  d'Alene Idaho 83815-8788  (hereinafter  referred  to  as
"Hecla"), and ConSil Corp., an Idaho corporation, which has an address  at  6500
Mineral  Drive,  Coeur  d'Alene, Idaho 83815-8788 (hereinafter  referred  to  as
"ConSil").

                            RECITALS AND DEFINITIONS

      WHEREAS,  Hecla and ConSil entered into that certain Loan Agreement  dated
June  28,  1996, as amended February 19, 1997, April 16, 1997, August  1,  1997,
October  1,  1997,  March  30, 1998, December 31,  1998  and  February  9,  2000
(hereinafter  referred  to, as amended, as the "Agreement")  pursuant  to  which
ConSil  borrowed  certain funds from Hecla, and Hecla loaned  certain  funds  to
ConSil, all on the terms and conditions contained in the Agreement;

      WHEREAS,  Hecla  and  ConSil wish again to amend the Agreement  with  this
Eighth Amendment, on the terms and conditions specified herein;

      NOW, THEREFORE, in consideration of the foregoing and the following mutual
promises, covenants, considerations and conditions, the parties, intending to be
legally bound, do hereby agree as follows:

                                    AGREEMENT

     1.  Amendment of Principal Amount of Loan; Interest and Term:  Section 1 of
the Agreement shall be deemed to read in its entirety as follows:

           Until further notice, and on the condition that ConSil not be in
     default  with  respect to any of the terms of this Loan Agreement,  or
     with  respect  to  any outstanding note evidencing  any  advance  made
     hereunder, Hecla shall make available to ConSil a loan not  to  exceed
     SEVEN  HUNDRED  TWENTY  FIVE THOUSAND DOLLARS ($725,000)  (hereinafter
     referred  to  as the "Principal Sum"), on which Principal  Sum  ConSil
     shall pay interest thereon from the date of advancement of such funds,
     at  the  prime rate of interest specified in the Wall Street  Journal,
     plus one and one-half percent (1.5%) per year until paid, (hereinafter
     referred  to as the "Loan"), which Loan shall be repaid on  demand  by
     Hecla, but in no event later than March 31, 2002.

<PAGE>          2

      2.   Execution  of  Replacement Note, Assignments and Other  Certificates.
ConSil  shall  execute  a replacement note substantially in  the  form  attached
hereto  as  Exhibit  A, together with a certificate of its  corporate  Secretary
certifying that:

     (i)  the individuals executing this Eighth Amendment and all documents
          delivered in accordance herewith were the duly appointed officers of
          ConSil, authorized to execute and deliver the same; and

     (ii) all representations, warranties and conditions precedent set forth in
          the Agreement are and remain true, accurate, correct and fulfilled as
          of the date of the delivery of this Eighth Amendment.

     3.   Entire Agreement.  This Eighth Amendment and the Agreement shall
constitute the  entire  agreement  between the parties with  respect  to  the
transactions contemplated  herein and therein, and any prior understanding or
representation of  any kind preceding the date of this Eighth Amendment shall
not be binding on either party except to the extent incorporated in this Eighth
Amendment and  the Agreement.

     4.   Consideration.  The consideration for this Eighth Amendment shall be
deemed to  be the extension of additional credit and additional time for
repayment, all as  specified in Section 1 of this Eighth Amendment, the receipt
and adequacy of which ConSil and Hecla hereby expressly acknowledge.

     5.    Loan Agreement Effective and Otherwise Unaffected.  Hecla and ConSil
expressly acknowledge and agree that the Agreement is in full force and  effect,
no  default  has  occurred  and  except as  expressly  amended  by  this  Eighth
Amendment,  the  Agreement  shall  govern  the  terms  and  conditions  of   the
transactions contemplated herein and in the Agreement.

     IN  WITNESS  WHEREOF duly authorized officers of the parties executed  this
Eighth Amendment on the date first above written.

CONSIL CORP.                  HECLA MINING COMPANY

By:  /S/ Michael B. White          By:  /S/ William B. Booth
   ----------------------        ----------------------
Name:  Michael B. White             William B. Booth
       President                    Vice President - Environmental
                                      & Government Affairs

                                 ATTEST:

                                    /S/ Nigel Cave
                                 --------------------------
                                    Nigel Cave
                                    Secretary

<PAGE>          3

STATE OF IDAHO    )
                  ) ss.
County of Kootenai)

      On  this  28th  day  of  February, in the year of  2001,  before  me,  the
undersigned, a Notary Public in and for the State of Idaho, personally  appeared
William  B.  Booth,  known  or  identified to me to  be  the  Vice  President  -
Environmental and Government Affairs, of Hecla Mining Company, the  officer  who
executed  the instrument on behalf of said corporation, and acknowledged  to  me
that such corporation executed the same.

      IN  WITNESS  WHEREOF, I have hereunto set my hand and affixed my  notarial
seal the day and year in this certificate first above written.

                         /S/ Tami D. Hansen
                         ------------------------------
                         Notary Public
                         Residing at: Otis Orchards, Washington
                         My Commission Expires:  9/12/2003

STATE OF IDAHO    )
                  ) ss.
County of Kootenai)

      On  this  28th  day  of  February, in the year of  2001,  before  me,  the
undersigned, a Notary Public in and for the State of Idaho, personally  appeared
Michael B. White, known or identified to me to be the President of ConSil Corp.,
the  officer  who  executed the instrument on behalf of  said  corporation,  and
acknowledged to me that such corporation executed the same.

      IN  WITNESS  WHEREOF, I have hereunto set my hand and affixed my  notarial
seal the day and year in this certificate first above written.

                         /S/ Tami D. Hansen
                         ------------------------------
                         Notary Public
                         Residing at:  Otis Orchards, Washington
                         My Commission Expires:  9/12/2003

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