Document:

Exhibit 10.19

                          CONSULTING SERVICES AGREEMENT

THIS CONSULTING SERVICES AGREEMENT (THE "Agreement"), DATED April 16, 2004 is
made by and between Delta Mutual, Inc., a corporation organized under the laws
of the State of Delaware, having its principal office located at 111 North
Branch Street, Sellersville, PA 18960 ("Delta") and Basic Investors, Inc.,
having its principal address at 510 Broadhollow Road, Suite 306, Melville, NY
11747 ("Consultant").

      WHEREAS, Delta and the Consultant have been in discussions and
negotiations in connection with Consultant's offer to provide advisory services
to Delta which Delta has decided to accept; and

      WHEREAS, Delta and Consultant have agreed on the scope of the advisory
services Consultant shall render to Delta and the compensation that Delta shall
pay to the Consultant for such services and both parties desire to set forth in
this Agreement all the terms and provisions that shall govern their business
relationship.

      NOW, THEREFORE, in consideration of the mutual promises made by the
parties to each other, it is agreed as follows:

1.    APPOINTMENT Delta hereby appoints consultant to serve as an independent
      Consultant to Delta for the services described below for as long as this
      Agreement is in full force and effect, and Consultant hereby accepts such
      appointment.

2.    SCOPE OF SERVICES Delta and Consultant agree that Delta has retained
      Consultant to render Delta the following services:

      A.    To assist Delta in its development of marketing and strategic
            business plans and goals.

      B.    To provide strategic advisory and consulting services with respect
            to the exploration of strategic alternatives for maximum exposure in
            and penetration of Delta's target markets.

      C.    To organize periodic conference calls and meeting with
            representatives of potential strategic partners and marketing
            representatives and Delta client on a pre-approved basis.

      The foregoing are hereinafter generally referred to as "services".

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                                    Page 27
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3.    COMPENSATION In consideration for Consultant's agreement to execute and
      deliver this Agreement with Delta, Delta agrees to issue to Consultant
      Four Hundred Thousand (400,000) shares of its restricted common stock. The
      Company agrees to issue a legal opinion on the restricted common stock at
      the end of the one year holding period.

4.    TERM AND TERMINATION Subject to earlier termination, the term of this
      Agreement hall begin on the date hereof and will continue in effect for a
      period of 12 months (the "Term"). Either party may terminate this
      Agreement upon thirty days prior written notice.

5.    INDEPENDENT CONTRACTOR STATUS Consultant agrees that they are an
      independent contractor and is not an employee of Delta and Consultant will
      not hold themselves out as such or as an agent or employee. Consultant has
      no authority or responsibility to enter into any contracts on behalf of
      Delta.

6.    CONFIDENTIAL INFORMATION/TRADE SECRETS During the course of the
      performance of the Services, Consultant may have access to, have disclosed
      to them, or otherwise obtain information which Delta identifies in writing
      or through labeling as being of a confidential and/or a proprietary nature
      to it (the "Confidential Information") Consultant shall use such
      Confidential Information solely in performance of their obligations under
      this Agreement and shall not disclose or divulge it to, or use for the
      benefit of, any third parties without Delta's written consent. Information
      shall not be deemed as confidential if such information is i) already
      known to Consultant free of any restrictions at the time it is obtained,
      ii) subsequently learned from an independent third party free of any
      restriction; or iii) available publicly.

7.    Publicity Consultant will not represent its business relationship with
      Delta or this Agreement to any persons or entities, publicly or privately
      in any term or to any extent, except as is described in Section 2 of this
      Agreement. Any press release or the public disclosure of this Agreement or
      of the business relationship between Consultant and Delta must e approved
      in advance thereof by both Consultant and Delta in writing. Neither party
      shall use the other's name, logo, trademarks, or service marks in any
      advertising, publicity releases, or in any other materials without that
      party's prior written approval.

8.    BEST EFFORTS Delta understands that Consultant shall utilize his best
      efforts in providing the Services set forth in Section 2. Delta fully
      understands that Consultant does not and cannot promise that any specific
      result will be achieved through engagement of Consultant. Furthermore,
      Delta understands that Consultant will never attempt to improperly
      influence any governmental or corporate official or entity or otherwise
      seek to accomplish any improper goal on behalf of Delta.

9.    DISPUTE RESOLUTION The parties agree that any and all disputes rising out
      of or relating to this Agreement shall be determined exclusively by
      confidential, final and binding arbitration in New York City in accordance
      with the American Arbitration Association, except that Delta and
      Consultant shall retain the right to seek injunctive and equitable relief
      for any actual or threatened breach of Sections 6 and 7 of this Agreement
      in any state, federal, or international court of competent jurisdiction.
      Without limitation of the foregoing, each party acknowledges that it is
      hereby waiving any right to have such dispute resolved by jury trial.

10.   AMENDMENTS No amendments or modifications shall be binding upon either
      party unless made in writing and signed by both parties.

IN WITNESS WHEREOF, the parties have executed this Agreement effective as of the
date and year first written above.

CONSULTANT:                               DELTA MUTUAL, INC.

BY: _____________________                 BY:__________________
Name:  Richard Belz                       Name:  Peter F. Russo
Title: Vice President                     Title: President & CEO

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                                    Page 28Exhibit 10.20

                           MEMORANDUM OF UNDERSTANDING

This Memorandum of Understanding, executed this 17th day of March, 2004, by and
PT Faryan Nusantara ("Faryan"), located at Jl. Kramat 6 , No. 18 Jakarta 10430,
Indonesia, Crescent Aeronautical Technology ("CAT"), located at Taman Alfa Indah
H5/17, Jakarta Selatan 12260, Indonesia and Delta-Envirotech ("Envirotech"),
located at 1725 Gosnell Road, Vienna, Virginia, USA.

WHEREAS, Faryan holds a contract to purchase oil sludge from Pertamina for
approximately 6,000,000 tons on an exclusive basis for a term of one year,
subject to performance effective the 18th day of March, 2004; and

WHEREAS, CAT has the ability to assist in the financing of the purchase of the
oil sludge, and can assist in the disposal of processed products, and

WHEREAS, Envirotech has the technology to process the oil sludge to yield
saleable products, and LIPI will be asked for approval of the technology on an
advisory basis and is willing to assist in the successful completion of the
project, and

WHEREAS, the parties have agreed to the responsibilities of each other to
accomplish successful fulfillment of each project;

NOW, THEREFORE, the parties have established the following responsibilities and
obligations to each other for the mutual benefit of all:

      1 - Faryan will purchase the product from Pertamina, or other locations as
      designated; transport the products and perform preliminary treatment to
      facilitate transport.

      2 - CAT will arrange the capital needed to purchase the oil sludge,
      payment for transportation and required equipment and, in cooperation with
      Faryan, assist in marketing the processed products.

      3 - Envirotech will provide the technology and equipment to process the
      oil sludge based upon Envirotech's analysis of the composition in
      consultation with LIPI.

The parties agree that the profits from the project will be shared on an equal
after all costs have been charged to the project.

The parties agree that the activities will begin within thirty (30) days of the
execution of this Memorandum of Understanding as dated above.

By copy of this Memorandum of Understanding, Envirotech will begin discussions
with LIPI as to the specifications of the oil sludge and testing requirements.

Executed in Jakarta this 17th day of March, 2004 by:

PT Faryan Nusantara

BY:     /S/ JAN LEIJEN
        --------------------
Seal:

Crescent Aeronautical Technology

BY:  /S/ REGINALD THEIJS
        --------------------
Delta-Envirotech, Inc.

BY:  /S/ DAVID RAZMARA
        --------------------
Seal:

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                                    Page 29Exhibit 10.1

     AMENDMENT  No. 6,  dated as of January 1,  2004,  to AMENDED  AND  RESTATED
MANAGEMENT  AGREEMENT,  dated as of January 1, 1999, as amended by Amendment No.
1, dated as of January  1, 2000,  Amendment  No. 2, dated as of January 1, 2001,
Amendment No. 3, dated as of June 27, 2001, Amendment No. 4, dated as of January
1, 2002 and  Amendment  No. 5, dated as of January 1, 2003 (as so  amended,  the
"Agreement"),  by and  among  G-I  Holdings  Inc.,  Merick  Inc.,  International
Specialty Products Inc. ("ISP"),  International Specialty Holdings Inc. ("ISH"),
ISP Investco LLC ("Investco"),  ISP Synthetic Elastomers LP ("Elastomers"),  GAF
Broadcasting Company,  Inc., Building Materials Corporation of America ("BMCA"),
and ISP Management Company, Inc. (the "Company"), as assignee of ISP Chemco Inc.
Capitalized  terms used and not otherwise defined herein shall have the meanings
ascribed to them in the Agreement.

         WHEREAS, ISH and Elastomers desire to become members of the Overhead
Group to utilize the Services provided by the Company under the Agreement, and
the Company desires to provide ISH and Elastomers with such Services; and

         WHEREAS, in accordance with Section 7 of the Agreement, the parties
desire to adjust the management fees payable to the Company under the Agreement
in order to properly reflect the costs to the Company of providing services
thereunder;

         NOW, THEREFORE, the parties hereby amend the Agreement as follows:

         1. Effective as of the date hereof, ISH and Elastomers shall each
become a party to the Agreement and shall each constitute a member of the
Overhead Group.

         2. The second sentence of the last paragraph of Section 2 of the
Agreement is hereby amended, effective as of the date hereof, to read in its
entirety as follows:

                  "It is understood and agreed by BMCA and the Company that (a)
                  computer services, corporate human resources, risk management
                  and certain other administrative services, such as telephone,
                  telecopy, telex and photocopy, shall not be within the scope
                  of, or provided by the Company to BMCA under this Agreement
                  and (b) to the extent that certain facilities services and
                  utilities are furnished to BMCA pursuant to the sublease
                  referred to in Section 3 of this Agreement, such services and
                  utilities shall not be within the scope of, or provided by the
                  Company to BMCA under, this Section 2."

         3. Section 3 of the Agreement is hereby amended, effective as of the
date hereof, to read in its entirety as follows:

                  "In consideration of the Company providing Services hereunder,
                  each of the parties listed below shall pay to the Company a
                  management fee (the "Management Fee") at the following
                  respective rates for the quarter ending April 4, 2004 and for
                  each quarter thereafter for which this Agreement has been
                  extended as provided in Section 1 of this Agreement: BMCA (on
                  behalf of itself, its parent and its subsidiaries) - $951,000;
                  ISP - $5,000; ISH - $20,000; Elastomers - $244,982 and
                  Investco (on behalf of itself and its subsidiaries) -
                  $749,750. The Management Fee shall be payable monthly in
                  arrears.

<PAGE>

                  In addition to the Management Fee, a wholly owned subsidiary
                  of BMCA shall pay to Company (as successor to both the
                  overlandlord's and sublandlord's interests in the subject real
                  property) rent payments pursuant to and in accordance with the
                  terms of the Sublease (as amended) between such wholly owned
                  subsidiary of BMCA and Company, the form of which is attached
                  as Exhibit A hereto and made a part hereof.

                  In consideration of BMCA providing G-I Services hereunder, G-I
                  Holdings Inc. (on behalf of itself and its subsidiaries other
                  than BMCA and BMCA's subsidiaries) shall pay to BMCA a
                  management fee (the "G-I Management Fee") at the rate of
                  $200,250 for the quarter ended April 4, 2004 and for each
                  quarter thereafter for which this Agreement has been extended
                  as provided in Section 1 of this Agreement. The G-I Management
                  Fee shall be payable monthly in arrears."

         4. Exhibit A to the Agreement is hereby amended to substitute therefore
Exhibit A to this Amendment.

         5. In all other respects, the Agreement as previously amended shall
remain in full force and effect.

         6. This Amendment is subject to the approval of the Board of Directors
of the Company.

         7. This Amendment may be executed in one or more counterparts, each of
which shall be an original but all of which, taken together, shall constitute
one and the same instrument. Failure by any one party to execute this Amendment
shall not affect the rights and obligations of any other party signatory hereto.

                            [signature page follows]

                                       2
<PAGE>

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

G-I HOLDINGS INC.                              GAF BROADCASTING COMPANY, INC.

By:    /s/ Richard A. Weinberg                 By:   /s/ Susan B. Yoss
       -----------------------                       -----------------
Name:  Richard A. Weinberg                     Name:  Susan B. Yoss
Title: President, Chief Executive Officer,     Title: Senior Vice President,
       General Counsel and Secretary                  Chief Financial Officer
                                                      and Treasurer

MERICK INC.                                    BUILDING MATERIALS
                                               CORPORATION OF AMERICA

By:    /s/ Susan B. Yoss                       By:   /s/ John F. Rebele
       -----------------                             ------------------
Name:  Susan B. Yoss                           Name:  John F. Rebele
Title: Senior Vice President,                  Title: Senior Vice President and
       Chief Financial Officer and Treasurer          Chief Financial Officer

INTERNATIONAL SPECIALTY                        ISP MANAGEMENT COMPANY, INC.
PRODUCTS INC.

By:    /s/ Neal E. Murphy                      By:   /s/ Neal E. Murphy
       ------------------                            ------------------
Name:  Neal E. Murphy                          Name:  Neal E. Murphy
Title: Senior Vice President and               Title: Senior Vice President and
       Chief Financial Officer                        Chief Financial Officer

ISP SYNTHETIC ELASTOMERS LP                    ISP INVESTCO LLC
By:  ISP Synthetic GP LLC,                     By: International Specialty
     its General Partner                           Holdings, Inc..
                                                   its sole member

By:    /s/ Neal E. Murphy                      By:   /s/ Susan B. Yoss
       ------------------                            -----------------
Name:  Neal E. Murphy                          Name:  Susan B. Yoss
Title: Senior Vice President and               Title: Executive Vice President -
       Chief Financial Officer                        Finance and Treasurer

                                       3

<PAGE>

INTERNATIONAL SPECIALTY
HOLDINGS INC.

By:    /s/ Neal E. Murphy
       ------------------
Name:  Neal E. Murphy
Title: Senior Vice President and
       Chief Financial Officer

                                       4

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