Document:

Exhibit 4.1

Bank of America [LOGO]

                                 LOAN AGREEMENT

This Agreement dated as of January 12, 2005, is between Bank of America, N.A.
(the "Bank") and Decorize, Inc. (the "Borrower').

1.    DEFINITIONS

In addition to the terms which are defined elsewhere in this Agreement, the
following terms have the meanings indicated for the purposes of this Agreement:

1.1   "Borrowing Base" means the sum of:

(a)   85% of the balance due on Acceptable Receivables; and

(b)   the lowest of:
      (i)   One Million Five Hundred Thousand and 00/100 Dollars
            ($1,500,000.00);
      (ii)  50% of the value of Acceptable Inventory

in determining the value of Acceptable Inventory to be included in the Borrowing
Base, the Bank will use the lowest of (i) the Borrower's cost, (ii) the
Borrower's estimated market value, or (iii) the Bank's independent determination
of the resale value of such inventory in such quantities and on such terms as
the Bank deems appropriate.

After calculating the Borrowing Base as provided above, the Bank may deduct such
reserves as the Bank may establish from time to time in its reasonable credit
judgment, including, without limitation, reserves for rent at leased locations
subject to statutory or contractual landlord's liens, inventory shrinkage,
dilution, customs charges, warehousemen's or bailees' charges, liabilities to
growers of agricultural products which are entitled to lien rights under the
federal Perishable Agricultural Commodities Act or any applicable state law, and
the amount of estimated maximum exposure, as determined by the Bank from time to
time, under any interest rate contracts which the Borrower enters into with the
Bank (including interest rate swaps, caps, floors, options thereon, combinations
thereof, or similar contracts).

1.2   "Acceptable Receivable" means an account receivable which satisfies the
      following requirements:

(a)   The account has resulted from the sale of goods by the Borrower in the
      ordinary course of the Borrower's business and without any further
      obligation on the part of the Borrower to service, repair, or maintain any
      such goods sold other than pursuant to any applicable warranty.

(b)   There are no conditions which must be satisfied before the Borrower is
      entitled to receive payment of the account. Accounts arising from COD
      sales, consignments or guaranteed sales are not acceptable.

(c)   The debtor upon the account does not claim any defense to payment of the
      account, whether well founded or otherwise.

(d)   The account is not the obligation of an account debtor who has asserted
      any counterclaims or offsets against the Borrower (including offsets for
      any "contra accounts" owed by the Borrower to the account debtor for goods
      purchased by the Borrower or for services performed for the Borrower).

(e)   The account represents a genuine obligation of the debtor for goods sold
      to and accepted by the debtor. To the extent any credit balances exist in
      favor of the debtor, such credit balances shall be deducted from the
      account balance.

(f)   The account balance does not include the amount of any finance or service
      charges payable by the account debtor. To the extent any finance charges
      or service charges are included, such amounts shall be deducted from the
      account balance.

(g)   The Borrower has sent an invoice to the debtor in the amount of the
      account.

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(h)   The Borrower is not prohibited by the laws of the state where the account
      debtor is located from bringing an action in the courts of that state to
      enforce the debtor's obligation to pay the account. The Borrower has taken
      all appropriate actions to ensure access to the courts of the state where
      the account debtor is located, including, where necessary, the filing of a
      Notice of Business Activities Report or other similar filing with the
      applicable state agency or the qualification by the Borrower as a foreign
      corporation authorized to transact business in such state.

(i)   The account is owned by the Borrower free of any title defects or any
      liens or interests of others except the security interest in favor of the
      Bank.

(j)   The debtor upon the account is not any of the following:

      (i)   An employee, affiliate, parent or subsidiary of the Borrower, or an
            entity which has common officers or directors with the Borrower.

      (ii)  The U.S. government or any agency or department of the U.S.
            government unless the Bank agrees in writing to accept the
            obligation, the Borrower complies with the procedures in the Federal
            Assignment of Claims Act of 1940 (41 U.S.C. ss.15) with respect to
            the obligation, and the underlying contract expressly provides that
            neither the U.S. government nor any agency or department thereof
            shall have the right of set-off against the Borrower.

      (iii) Any state, county, city, town or municipality.

      (iv)  Any person or entity located in a foreign country.

(k)   The account is not in default. An account will be considered in default if
      any of the following occur:

      (i)   The account is not paid within ninety (90) days from its invoice
            date or sixty (60) days from its due date, whichever occurs first;

      (ii)  The debtor obligated upon the account suspends business, makes a
            general assignment for the benefit of creditors, or fails to pay its
            debts generally as they come due; or

      (iii) Any petition is filed by or against the debtor obligated upon the
            account under any bankruptcy law or any other law or laws for the
            relief of debtors.

(l)   The account is not the obligation of a debtor who is in default (as
      defined above) on 25% or more of the accounts upon which such debtor is
      obligated.

(m)   The account does not arise from the sale of goods which remain in the
      Borrower's possession or under the Borrower's control.

(n)   The account is not evidenced by a promissory note or chattel paper, nor is
      the account debtor obligated to the Borrower under any other obligation
      which is evidenced by a promissory note.

(o)   The account is otherwise acceptable to the Bank.

In addition to the foregoing limitations, the dollar amount of accounts included
as Acceptable Receivables which are the obligations of a single debtor shall not
exceed the concentration limit established for that debtor. To the extent the
total of such accounts exceeds a debtor's concentration limit, the amount of any
such excess shall be excluded. The concentration limit for each debtor shall be
equal to 40% of the total amount of the Borrower's total accounts receivable at
that time. It is provided, however, that if the debtor obligated upon an account
is La-Z-Boy (or other accounts that the Bank may approve), the concentration
limit applicable to such debtor will he increased to 60%.

1.3   "Acceptable Inventory" means inventory which satisfies the following
      requirements:

(a)   The inventory is owned by the Borrower free of any title defects or any
      liens or interests of others except the security interest in favor of the
      Bank. This does not prohibit any statutory liens which may exist in favor
      of the growers of agricultural products which are purchased by the
      Borrower.

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(b)   The inventory is located at locations which the Borrower has disclosed to
      the Bank and which are acceptable to the Bank. If the inventory is covered
      by a negotiable document of title (such as a warehouse receipt) that
      document must be delivered to the Bank. Inventory which is in transit is
      not acceptable.

(c)   The inventory is held for sale in the ordinary course of the Borrower's
      business and is of good and merchantable quality. Display items,
      work-in-process, parts, raw materials, samples, and packing and shipping
      materials are not acceptable. Inventory which is obsolete, unsalable,
      damaged, defective, used, discontinued or slow-moving, or which has been
      returned by the buyer, is not acceptable.

(d)   The inventory is covered by insurance as required in the "Covenants"
      section of this Agreement.

(e)   The inventory is not subject to any licensing agreements which would
      prohibit or restrict in any way the ability of the Bank to sell the
      inventory to third parties.

(f)   The inventory has been produced in compliance with the requirements of the
      U.S. Fair Labor Standards Act (29 U.S.C. ss.ss.201 et seq.).

(g)   The inventory is not placed on consignment.

(h)   The inventory is otherwise acceptable to the Bank.

1.4   "Credit Limit" means the maximum amount indicated for each period
set forth below that may be outstanding under this Agreement. At no time shall
the sum of the amounts outstanding under Facility No. 1 and Facility No. 2
exceed the amounts set forth below:

          Period                                               Amount
          ------                                               ------

          From the date of this Agreement
          until May 31, 2005                                    $4,000,000.00

          From June 1, 2005 until the                           $3,000,000.00
          Facility No. 1 Expiration Date

2.    FACILITY NO. 1: LINE OF CREDIT AMOUNT AND TERMS

2.1   Line of Credit Amount.

(a)   During the availability period described below, the Bank will provide a
      line of credit to the Borrower. The amount of the line of credit (the
      "Facility No 1 Commitment") is equal to the lesser of (i) the Credit Limit
      or (ii) the Borrowing Base.

(b)   This is a revolving line of credit. During the availability period, the
      Borrower may repay principal amounts and reborrow them.

(c)   The Borrower agrees not to permit the principal balance outstanding to
      exceed the Facility No. 1 Commitment. If the Borrower exceeds this limit,
      the Borrower will immediately pay the excess to the Bank upon the Bank's
      demand.

2.2   Availability Period. The line of credit is available between the date of
this Agreement and December 31, 2005, or such earlier date as the availability
may terminate as provided in this Agreement (the "Facility No. 1 Expiration
Date").

The availability period for this line of credit will be considered renewed if
and only if the Bank has sent to the Borrower a written notice of renewal
effective as of the Facility No. 1 Expiration Date for the line of credit (the
"Renewal Notice"). If this line of credit is renewed, it will continue to be
subject to all the terms and conditions set forth in this Agreement except as
modified by the Renewal Notice. The Borrower specifically understands and agrees
that the interest rate applicable to this line of credit may be increased upon
renewal and that the new interest rate will apply to the entire outstanding
principal balance of the line of credit. If this line of credit is renewed, the
term "Expiration Date" shall mean the date set forth in the Renewal Notice as
the Expiration Date and the same process for renewal will apply to any
subsequent (f)

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renewal of this line of credit. A renewal fee may be charged at the Bank's
option. If so, the amount will be specified in the Renewal Notice.

2.3   Conditions to Availability of Credit. In addition to the items required to
be delivered to the Bank under the paragraph entitled "Financial Information" in
the "Covenants" section of this Agreement, the Borrower will promptly deliver
the following to the Bank at such times as may be requested by the Bank:

(a)   A borrowing certificate, in form and detail satisfactory to the Bank,
      setting forth the Acceptable Receivables and the Acceptable Inventory on
      which the requested extension of credit is to be based.

(b)   Copies of the invoices or the record of invoices from the Borrower's sales
      journal for such Acceptable Receivables and a listing of the names and
      addresses of the debtors obligated thereunder.

(c)   Copies of the delivery receipts, purchase orders, shipping instructions,
      bills of lading and other documentation pertaining to such Acceptable
      Receivables.

(d)   Copies of the cash receipts journal pertaining to the borrowing
      certificate.

2.4   Repayment Terms.

(a)   The Borrower will pay interest on January 31, 2004, and then on the same
      day of each month thereafter until payment in full of any principal
      outstanding under this facility.

(b)   The Borrower will repay in full any principal, interest or other charges
      outstanding under this facility no later than the Facility No. 1
      Expiration Date.

2.5   Interest Rate.

(a)   The interest rate is a rate per year equal to the Telerate LIBOR Daily
      Floating Rate plus 2 percentage point(s).

(b)   The Telerate LIBOR Daily Floating Rate is a fluctuating rate of interest
      equal to the average per annum interest rate (rounded upwards to the
      nearest 1/100 of one percent) at which U.S. dollar deposits would be
      offered for one month by major banks in the London inter-bank market, as
      shown on Telerate Page 3750 (or any successor page) as determined for each
      banking day at approximately 11:00 a.m. London time two (2) London Banking
      Days prior to the date in question, as adjusted from time to time in the
      Bank's sole discretion for reserve requirements, deposit insurance
      assessment rates and other regulatory costs. If such rate does not appear
      on Telerate Page 3750 (or any successor page), the rate will be determined
      by such alternate method as reasonably selected by the Bank. A "London
      Banking Day" is a day on which the Bank's London Banking Center is open
      for business and dealing in offshore dollars. Interest will accrue on any
      non-banking day at the rate in effect on the immediately preceding banking
      day.

3.    FACILITY NO. 2: THE LETTER OF CREDIT FACILITY

3.1   Letters of Credit.

(a)   At the request of the Borrower, between the date of this Agreement and
      December 31, 2005, (the "Facility No. 2 Expiration Date"), the Bank will
      issue:

      (i)   commercial letters of credit with a maximum maturity riot to extend
            more than one hundred eighty (180) days beyond the Facility No. 2
            Expiration Date. Each commercial letter of credit will require
            drafts payable at sight or up to one hundred eighty (180) days after
            sight.

      (ii)  standby letters of credit with a maximum maturity of three hundred
            sixty-five (365) days but not to extend more than one hundred eighty
            (180) days beyond the Facility No. 2 Expiration Date. The standby
            letters of credit may include a provision providing that the
            maturity date will be automatically extended each year for an
            additional year unless the Bank gives written notice to the
            contrary.

(b)   The amount of the letters of credit outstanding at any one time (including
      the drawn and unreimbursed amounts of the letters of credit) may not
      exceed Two Hundred Fifty Thousand and 00/100 Dollars ($250,000.00).

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3.2   Other Terms. The Borrower agrees:

(a)   If there is a default under this Agreement, to immediately prepay and make
      the Bank whole for any outstanding letters of credit.

(b)   The issuance of any letter of credit and any amendment to a letter of
      credit is subject to the Bank's written approval and must be in form and
      content satisfactory to the Bank and in favor of a beneficiary acceptable
      to the Bank.

(c)   To sign the Bank's form Application and Agreement for Commercial Letter of
      Credit or Application and Agreement for Standby Letter of Credit, as
      applicable.

(d)   To pay any issuance and/or other fees that the Bank notifies the Borrower
      will be charged for issuing and processing letters of credit for the
      Borrower.

(e)   To allow the Bank to automatically charge its checking account for
      applicable fees, discounts, and other charges.

(f)   To pay the Bank a non-refundable fee equal to 2% per annum of the
      outstanding undrawn amount of each standby letter of credit, payable
      annually in advance, calculated on the basis of the face amount
      outstanding on the day the fee is calculated.

4.    COLLATERAL

4.1   Personal Property. The personal property listed below now owned or owned
in the future by the parties listed below will secure the Borrower's obligations
to the Bank under this Agreement. The collateral is further defined in security
agreement(s) executed by the owners of the collateral. In addition, all personal
property collateral owned by the Borrower securing this Agreement shall also
secure all other present and future obligations of the Borrower to the Bank
(excluding any consumer credit covered by the federal Truth in Lending law,
unless the Borrower has otherwise agreed in writing or received written notice
thereof). All personal property collateral securing any other present or future
obligations of the Borrower to the Bank shall also secure this Agreement.

(a)   Equipment and fixtures owned by the Borrower.

(b)   Inventory owned by the Borrower.

(c)   Receivables owned by the Borrower.

(d)   Patents, trademarks and other general intangibles owned by the Borrower.

5.    FEES AND EXPENSES

5.1   Fees.

(a)   Loan Fee. The Borrower agrees to pay a loan fee in the amount of Fifteen
      Thousand and 00/100 Dollars ($15,000.00). Seven Thousand Five Hundred and
      00/100 Dollars ($7,500.00) of this fee is due by January 12, 2005 and the
      remaining Seven Thousand Five Hundred and 00/100 Dollars ($7,500.00) of
      this fee is due by March 31, 2005.

(b)   Unused Commitment Fee. The Borrower agrees to pay a fee on any difference
      between the Facility No. 1 Commitment and the amount of credit it actually
      uses, determined by the average of the daily amount of credit outstanding
      during the specified period. The fee will be calculated at 0.15% per year.

      This fee is due on March 31, 2005, and on the same day of each following
      quarter until the expiration of the availability period.

(c)   Waiver Fee. If the Bank, at its discretion, agrees to waive or amend any
      terms of this Agreement, the Borrower will, at the Bank's option, pay the
      Bank a fee for each waiver or amendment in an amount advised by the Bank
      at the time the Borrower requests the waiver or amendment. Nothing in this
      paragraph shall imply that the Bank is obligated to agree to any waiver or
      amendment requested by the Borrower. The Bank may impose additional
      requirements as a condition to any waiver or amendment.

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(d)   Late Fee. To the extent permitted by law, the Borrower agrees to pay a
      late fee in an amount not to exceed four percent (4%) of any payment that
      is more than fifteen (15) days late. The imposition and payment of a late
      fee shall not constitute a waiver of the Bank's rights with respect to the
      default.

5.2   Expenses. The Borrower agrees to immediately repay the Bank for expenses
      that include, but are not limited to, filing, recording and search fees,
      appraisal fees, title report fees, and documentation fees.

5.3   Reimbursement Costs.

(a)   The Borrower agrees to reimburse the Bank for any expenses it incurs in
      the preparation of this Agreement and any agreement or instrument required
      by this Agreement. Expenses include, but are not limited to, reasonable
      attorneys' fees, including any allocated costs of the Bank's in-house
      counsel to the extent permitted by applicable law.

(b)   The Borrower agrees to reimburse the Bank for the cost of periodic field
      examinations of the Borrower's books, records and collateral, and
      appraisals of the collateral, at such intervals as the Bank may reasonably
      require. The actions described in this paragraph may be performed by
      employees of the Bank or by independent appraisers. Unless the Borrower is
      in default, field examinations will be conducted no more frequently than
      annually.

6.    DISBURSEMENTS, PAYMENTS AND COSTS

6.1   Disbursements and Payments.

(a)   Each payment by the Borrower will be made in U.S. Dollars and immediately
      available funds by direct debit to a deposit account as specified below
      or, for payments not required to be made by direct debit, by mail to the
      address shown on the Borrower's statement or at one of the Bank's banking
      centers in the United States.

(b)   Each disbursement by the Bank and each payment by the Borrower will be
      evidenced by records kept by the Bank. In addition, the Bank may, at its
      discretion, require the Borrower to sign one or more promissory notes.

6.2   Telephone and Telefax Authorization.

(a)   The Bank may honor telephone or telefax instructions for advances or
      repayments and telefax requests for the issuance of letters of credit
      given, or purported to be given, by any one of the individuals authorized
      to sign loan agreements on behalf of the Borrower, or any other individual
      designated by any one of such authorized signers.

(b)   Advances will be deposited in and repayments will be withdrawn from
      account number 003482185058 owned by Decorize, Inc. or such other of the
      Borrower's accounts with the Bank as designated in writing by the
      Borrower.

(c)   The Borrower will indemnify and hold the Bank harmless from all liability,
      loss, and costs in connection with any act resulting from telephone or
      telefax instructions the Bank reasonably believes are made by any
      individual authorized by the Borrower to give such instructions. This
      paragraph will survive this Agreement's termination, and will benefit the
      Bank and its officers, employees, and agents.

6.3   Direct Debit (Pre-Billing).

(a)   The Borrower agrees that the Bank will debit deposit account number
      003482185058 owned by Decorize, Inc. or such other of the Borrower's
      accounts with the Bank as designated in writing by the Borrower (the
      "Designated Account") on the date each payment of principal and interest
      and any fees from the Borrower becomes due (the "Due Date")

(b)   Prior to each Due Date, the Bank will mail to the Borrower a statement of
      the amounts that will be due on that Due Date (the "Billed Amount"). The
      bill will be mailed a specified number of calendar days prior to the Due
      Date, which number of days will be mutually agreed from time to time by
      the Bank and the Borrower. The calculations in the bill will be made on
      the assumption that no new extensions of credit or payments will be made
      between the date of the billing statement and the Due Date, and that there
      will be no changes in the applicable interest rate.

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 (c)     The Bank will debit the Designated Account for the Billed Amount,
         regardless of the actual amount due on that date (the "Accrued
         Amount"). If the Billed Amount debited to the Designated Account
         differs from the Accrued Amount, the discrepancy will be treated as
         follows:

            (i)   If the Billed Amount is less than the Accrued Amount, the
                  Billed Amount for the following Due Date will be increased by
                  the amount of the discrepancy. The Borrower will not be in
                  default by reason of any such discrepancy.

            (ii)  If the Billed Amount is more than the Accrued Amount, the
                  Billed Amount for the following Due Date will be decreased by
                  the amount of the discrepancy.

            Regardless of any such discrepancy, interest will continue to accrue
            based on the actual amount of principal outstanding without
            compounding. The Bank will not pay the Borrower interest on any
            overpayment.

(d)   The Borrower will maintain sufficient funds in the Designated Account to
      cover each debit. If there are insufficient funds in the Designated
      Account on the date the Bank enters any debit authorized by this
      Agreement, the Bank may reverse the debit.

(e)   If the Borrower terminates this arrangement, then the principal amount
      outstanding under this Agreement will at the option of the Bank bear
      interest at a rate per annum which is 0.5 percentage point(s) higher than
      the rate of interest otherwise provided under this Agreement.

6.4   Banking Days. Unless otherwise provided in this Agreement, a banking day
is a day other than a Saturday, Sunday or other day on which commercial banks
are authorized to close, or are in fact closed, in the state where the Bank's
lending office is located, and, if such day relates to amounts bearing interest
at an offshore rate (if any), means any such day on which dealings in dollar
deposits are conducted among banks in the offshore dollar interbank market. All
payments and disbursements which would be due on a day which is not a banking
day will be due on the next banking day. All payments received on a day which is
not a banking day will be applied to the credit on the next banking day.

6.5   Interest Calculation. Except as otherwise stated in this Agreement, all
interest and fees, if any, will be computed on the basis of a 360-day year and
the actual number of days elapsed. This results in more interest or a higher fee
than if a 365-day year is used. Installments of principal which are not paid
when due under this Agreement shall continue to bear interest until paid.

6.6   Default Rate. Upon the occurrence of any default under this Agreement, all
amounts outstanding under this Agreement, including any interest, fees, or costs
which are not paid when due, will at the option of the Bank bear interest at a
rate which is 6.0 percentage point(s) higher than the rate of interest otherwise
provided under this Agreement. This may result in compounding of interest. This
will not constitute a waiver of any default.

6.7   Overdrafts. At the Bank's sole option in each instance, the Bank may do
one of the following:

(a)   The Bank may make advances under this Agreement to prevent or cover an
      overdraft on any account of the Borrower with the Bank. Each such advance
      will accrue interest from the date of the advance or the date on which the
      account is overdrawn, whichever occurs first, at the interest rate
      described in this Agreement The Bank may make such advances even if the
      advances may cause any credit limit under this Agreement to be exceeded.

(b)   The Bank may reduce the amount of credit otherwise available under this
      Agreement by the amount of any overdraft on any account of the Borrower
      with the Bank.

This paragraph shall not be deemed to authorize the Borrower to create
overdrafts on any of the Borrower's accounts with the Bank.

6.8   Payments in Kind. If the Bank requires delivery in kind of the proceeds of
      collection of the Borrower's accounts receivable, such proceeds shall be
      credited to interest, principal, and other sums owed to the Bank under
      this Agreement in the order and proportion determined by the Bank in its
      sole discretion. All such credits will be conditioned upon collection and
      any returned items may, at the Bank's option, be charged to the Borrower.

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7.    CONDITIONS

Before the Bank is required to extend any credit to the Borrower under this
Agreement, it must receive any documents and other items it may reasonably
require, in form and content acceptable to the Bank, including any items
specifically listed below.

7.1   Authorizations. If the Borrower or any guarantor is anything other than a
natural person, evidence that the execution, delivery and performance by the
Borrower and/or such guarantor of this Agreement and any instrument or agreement
required under this Agreement have been duly authorized.

7.2   Governing Documents. If required by the Bank, a copy of the Borrower's
organizational documents.

7.3   Guaranties. Guaranties signed by SRC Holdings Corporation ("SRC").

7.4   Security Agreements. Signed original security agreements covering the
personal property collateral which the Bank requires.

7.5   Perfection and Evidence of Priority. Evidence that the security interests
and liens in favor of the Bank are valid, enforceable, properly perfected in a
manner acceptable to the Bank and prior to all others' rights and interests,
except those the Bank consents to in writing on Schedule 7.5. All title
documents for motor vehicles which are part of the collateral must show the
Bank's interest.

7.6   Payment of Fees. Payment of all fees and other amounts due and owing to
the Bank, including without limitation payment of all accrued and unpaid
expenses incurred by the Bank as required by the paragraph entitled
"Reimbursement Costs."

7.7   Repayment of Other Credit Agreement. Evidence that the existing
indebtedness with GE Capital Commercial Services, and The CIT Group/Commercial
Services, Inc. has been or will be repaid and cancelled on or before the first
disbursement under this Agreement.

7.8   Good Standinq. Certificates of good standing for the Borrower from its
state of formation and from any other state in which the Borrower is required to
qualify to conduct its business.

7.9   Subordination Agreements. Subordination agreements in favor of the Bank
signed by SRC Holdings Corporation and James K. Parsons.

7.10  Landlord Agreement. For any personal property collateral located on real
property which is subject to a mortgage or deed of trust or which is not owned
by the Borrower (or the grantor of the security interest) an agreement from the
owner of the real property and the holder of any such mortgage or deed of trust.

7.11  Insurance Evidence of insurance coverage, as required in the "Covenants"
section of this Agreement.

8.    REPRESENTATIONS AND WARRANTIES

When the Borrower signs this Agreement, and until the Bank is repaid in full,
the Borrower makes the following representations and warranties. Each request
for an extension of credit constitutes a renewal of these representations and
warranties as of the date of the request

8.1   Formation. If the Borrower is anything other than a natural person, it is
duly formed and existing under the laws of the state or other jurisdiction where
organized.

8.2   Authorization. This Agreement, and any instrument or agreement required
hereunder, are within the Borrower's powers, have been duly authorized, and do
not conflict with any of its organizational papers.

8.3   Enforceable Agreement. This Agreement is a legal, valid and binding
agreement of the Borrower, enforceable against the Borrower in accordance with
its terms, and any instrument or agreement required hereunder, when executed and
delivered, will be similarly legal, valid, binding and enforceable.

8.4   Good Standing. In each state in which the Borrower does business, it is
properly licensed, in good standing, and, where required, in compliance with
fictitious name statutes.

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8.5   No Conflicts. This Agreement does not conflict with any law, agreement,
or obligation by which the Borrower is bound.

8.6   Financial Information. All financial and other information that has been
or will be supplied to the Bank is sufficiently complete to give the Bank
accurate knowledge of the Borrower's (and any guarantor's) financial condition,
including all material contingent liabilities. Since the date of the most recent
financial statement provided to the Bank, there has been no material adverse
change in the business condition (financial or otherwise), operations,
properties or prospects of the Borrower (or any guarantor). If the Borrower is
comprised of the trustees of a trust, the foregoing representations shall also
pertain to the trustor(s) of the trust.

8.7   Lawsuits. There is no lawsuit, tax claim or other dispute pending or
threatened against the Borrower which, if lost, would materially impair the
Borrower's financial condition or ability to repay the loan, except as have been
disclosed in writing to the Bank.

8.8   Collateral. All collateral required in this Agreement is owned by the
grantor of the security interest free of any title defects or any liens or
interests of others, except those which have been approved by the Bank in
writing.

8.9   Permits, Franchises. The Borrower possesses all permits, memberships,
franchises, contracts and licenses required and all trademark rights, trade name
rights, patent rights, copyrights and fictitious name rights necessary to enable
it to conduct the business in which it is now engaged.

8.10  Other Obligations. The Borrower is not in default on any obligation for
borrowed money, any purchase money obligation or any other material lease,
commitment, contract, instrument or obligation, except as have been disclosed in
writing to the Bank.

8.11  Tax Matters. The Borrower has no knowledge of any pending assessments or
adjustments of its income tax for any year and all taxes due have been paid,
except as have been disclosed in writing to the Bank.

8.12  No Event of Default. There is no event which is, or with notice or lapse
of time or both would be, a default under this Agreement.

8.13  Insurance. The Borrower has obtained, and maintained in effect, the
insurance coverage required in the "Covenants" section of this Agreement.

8.14  Merchantable Inventory; Compliance with FLSA. All inventory which is
included in the Borrowing Base is of good and merchantable quality and free from
defects, and has been produced in compliance with the requirements of the U.S.
Fair Labor Standards Act (29 U.S.C. ss.201 et seq.).

9.    COVENANTS

The Borrower agrees, so long as credit is available under this Agreement and
until the Bank is repaid in full:

9.1   Use of Proceeds.

(a)   To use the proceeds of Facility No. 1 only for AIR and Inventory
      Financing.

(b)   To use the proceeds of Facility No. 2 only for Commercial and Standby
      Letters of Credit.

9.2   Financial Information. To provide the following financial information and
statements in form and content acceptable to the Bank, and such additional
information as requested by the Bank from time to time:

(a)   Within ninety (90) days of the fiscal year end, the annual financial
      statements of the Borrower. These financial statements must be audited by
      the Borrower's Certified Public Accountant. The statements shall be
      prepared on a consolidated basis.

(b)   Within forty-five (45) days of the period's end (including the last period
      in each fiscal year), quarterly financial statements of the Borrower.
      These financial statements may be company-prepared. The statements shall
      be prepared on a consolidated basis.

                                       9
<PAGE>

(c)   Within ninety (90) days of the end of each fiscal year and within
      forty-five (45) days of the end of each quarter, a compliance certificate
      of the Borrower signed by an authorized financial officer, and setting
      forth (i) the information and computations (in sufficient detail) to
      establish that the Borrower is in compliance with all financial covenants
      at the end of the period covered by the financial statements then being
      furnished and (ii) whether there existed as of the date of such financial
      statements and whether there exists as of the date of the certificate, any
      default under this Agreement and, if any such default exists, specifying
      the nature thereof and the action the Borrower is taking and proposes to
      take with respect thereto.

(d)   A borrowing certificate setting forth the amount of Acceptable Receivables
      and Acceptable Inventory as of the last day of each month within
      twenty-five (25) days after month end and, upon the Bank's request, copies
      of the invoices or the record of invoices from the Borrower's sales
      journal for such Acceptable Receivables, copies of the delivery receipts,
      purchase orders, shipping instructions, bills of lading and other
      documentation pertaining to such Acceptable Receivables, and copies of the
      cash receipts journal pertaining to the borrowing certificate.

(e)   If the Bank requires the Borrower to deliver the proceeds of accounts
      receivable to the Bank upon collection by the Borrower, a schedule of the
      amounts so collected and delivered to the Bank.

(f)   Promptly upon the Bank's request, such other books, records, statements,
      lists of property and accounts, budgets, forecasts or reports as to the
      Borrower and as to each guarantor of the Borrower's obligations to the
      Bank as the Bank may request.

9.3   Tangible Net Worth. To maintain on a consolidated basis Tangible Net Worth
equal to at least the amounts indicated for each period specified below:

                  Period                                     Amounts
                  ------                                     -------

                  At June 30, 2005                           $1,585,000.00

                  At September 30, 2005                      $1,600,000.00

                  At December 31, 2005                       $1,800,000.00

"Tangible Net Worth" means the value of total assets (including leaseholds and
leasehold improvements and reserves against assets but excluding goodwill,
patents, trademarks, trade names, organization expense, unamortized debt
discount and expense, capitalized or deferred research and development costs,
deferred marketing expenses, and other like intangibles, and monies due from
affiliates, officers, directors, employees, shareholders, members or managers)
less total liabilities, including but not limited to accrued and deferred income
taxes, but excluding the non-current portion of Subordinated Liabilities.

"Subordinated Liabilities" means liabilities subordinated to the Borrower's
obligations to the Bank in a manner acceptable to the Bank in its sole
discretion.

9.4   Basic Fixed Charge Coverage Ratio. To maintain on a consolidated basis a
Basic Fixed Charge Coverage Ratio of at least 1.2:1.0 beginning June 30, 2005
and thereafter.

"Basic Fixed Charge Coverage Ratio" means the ratio of (a) the sum of EBITDA
plus lease expense and rent expense, minus income tax, minus dividends,
withdrawals, and other distributions, to (b) the sum of interest expense, lease
expense, rent expense, the current portion of long term debt and the current
portion of capitalized lease obligations.

"EBITDA" means net income, less income or plus loss from discontinued operations
and extraordinary items, plus income taxes, plus interest expense, plus
depreciation, depletion, and amortization. This ratio will be calculated at the
end of each reporting period for which the Bank requires financial statements,
using the results of the twelve-month period ending with that reporting period.
The current portion of long-term liabilities will be measured as of the date
twelve (12) months prior to the current financial statement.

9.5   Bank as Principal Depository. To maintain the Bank as its principal
depository bank, including for the maintenance of business, cash management,
operating and administrative deposit accounts.

9.6   Other Debts. Not to have outstanding or incur any direct or contingent
liabilities or lease obligations (other than those to the Bank), or become
liable for the liabilities of others, without the Bank's written consent. This
does not prohibit:

                                       10
<PAGE>

(a)   Acquiring goods, supplies, or merchandise on normal trade credit.

(b)   Endorsing negotiable instruments received in the usual course of business.

(c)   Obtaining surety bonds in the usual course of business.

(d)   Liabilities, lines of credit and leases in existence on the date of this
      Agreement disclosed in writing to the Bank.

9.7   Other Liens. Not to create, assume, or allow any security interest or lien
(including judicial liens) on property the Borrower now or later owns, except:

(a)   Liens and security interests in favor of the Bank.

(b)   Liens for taxes not yet due.

(c)   Liens outstanding on the date of this Agreement disclosed in writing to
      the Bank.

9.8   Maintenance of Assets.

(a)   Not to sell, assign, lease, transfer or otherwise dispose of any part of
      the Borrower's business or the Borrower's assets except in the ordinary
      course of the Borrower's business.

(b)   Not to sell, assign, lease, transfer or otherwise dispose of any assets
      for less than fair market value, or enter into any agreement to do so.

(c)   Not to enter into any sale and leaseback agreement covering any of its
      fixed assets.

(d)   To maintain and preserve all rights, privileges, and franchises the
      Borrower now has.

(e)   To make any repairs, renewals, or replacements to keep the Borrower's
      properties in good working condition.

9.9   Investments. Not to have any existing, or make any new, investments in any
individual or entity, or make any capital contributions or other transfers of
assets to any individual or entity, except for:

(a)   Existing investments disclosed to the Bank in writing.

(b)   Investments in the Borrower's current subsidiaries.

(c)   Investments in any of the following:

      (i)   certificates of deposit,

      (ii)  U.S. treasury bills and other obligations of the federal government;

      (iii) readily marketable securities (including commercial paper, but
            excluding restricted stock and stock subject to the provisions of
            Rule 144 of the Securities and Exchange Commission).

(d)   Other investments approved in writing by Bank.

9.10  Loans. Not to make any loans, advances or other extensions of credit to
any individual or entity, except for:

(a)   Existing extensions of credit disclosed to the Bank in writing.

(b)   Extensions of credit to the Borrowers current subsidiaries.

(c)   Extensions of credit in the nature of accounts receivable or notes
      receivable arising from the sale or lease of goods or services in the
      ordinary course of business to non-affiliated entities.

                                       11
<PAGE>

9.11  Additional Negative Covenants. Not to, without the Bank's written consent:

(a)   Enter into any consolidation, merger, or other combination, or become a
      partner in a partnership, a member of a joint venture, or a member of a
      limited liability company.

(b)   Acquire or purchase a business or its assets.

(c)   Engage in any business activities substantially different from the
      Borrower's present business.

(d)   Liquidate, dissolve or voluntarily suspend the Borrowers business.

(e)   Voluntarily suspend its business.

9.12  Notices to Bank. To promptly notify the Bank in writing of:

(a)   Any lawsuit over Two Hundred Fifty Thousand and 00/100 Dollars
      ($250,000.00) against the Borrower (or any guarantor or, if the Borrower
      is comprised of the trustees of a trust, any trustor).

(b)   Any substantial dispute between any governmental authority and the
      Borrower (or any guarantor or, if the Borrower is comprised of the
      trustees of a trust, any trustor).

(c)   Any event of default under this Agreement, or any event which, with notice
      or lapse of time or both, would constitute an event of default.

(d)   Any material adverse change in the Borrower's (or any guarantor's, or, if
      the Borrower is comprised of the trustees of a trust, any trustor's)
      business condition (financial or otherwise), operations, properties or
      prospects, or ability to repay the credit.

(e)   Any change in the Borrower's name, legal structure, place of business, or
      chief executive office if the Borrower has more than one place of
      business.

(f)   Any actual contingent liabilities of the Borrower (or any guarantor or, if
      the Borrower is comprised of the trustees of a trust, any trustor), and
      any such contingent liabilities which are reasonably foreseeable.

9.13  Insurance.

(a)   General Business Insurance. To maintain insurance satisfactory to the Bank
      as to amount, nature and carrier covering property damage (including loss
      of use and occupancy) to any of the Borrower's properties, business
      interruption insurance, public liability insurance including coverage for
      contractual liability, product liability and workers' compensation, and
      any other insurance which is usual for the Borrower's business. Each
      policy shall provide for at least 30 days prior notice to the Bank of any
      cancellation thereof.

(b)   Insurance Covering Collateral. To maintain all risk property damage
      insurance policies covering the tangible property comprising the
      collateral. Each insurance policy must be for the full replacement cost of
      the collateral and include a replacement cost endorsement. The insurance
      must be issued by an insurance company acceptable to the Bank and must
      include a lender's loss payable endorsement in favor of the Bank in a form
      acceptable to the Bank.

(c)   Evidence of Insurance. Upon the request of the Bank, to deliver to the
      Bank a copy of each insurance policy, or, if permitted by the Bank, a
      certificate of insurance listing all insurance in force

Unless Borrower provides evidence of the insurance coverage required by this
agreement with the Bank, the Bank may purchase insurance at Borrower's expense
to protect the Bank's interest in Borrower's collateral. This insurance may, but
need not, protect Borrower's interests. The coverage that the Bank purchases may
not pay any claim that the Borrower makes or any claim that is made against
Borrower in connection with the collateral. Borrower may later cancel any
insurance purchased by the Bank, but only after providing evidence that Borrower
has obtained insurance as required by this agreement. If the Bank purchases
insurance for the collateral, Borrower will be responsible for the costs of that
insurance, including the insurance premium, interest and any other charges the
Bank may impose in connection with the placement of the insurance, until the
effective date of the cancellation or expiration of the insurance. The costs of
the

                                       12
<PAGE>

insurance may be added to Borrower's total outstanding balance or obligation.
The costs of the insurance may be more than the cost of insurance Borrower may
be able to obtain on its own.

9.14  Compliance with Laws. To comply with the laws (including any fictitious or
trade name statute), regulations, and orders of any government body with
authority over the Borrower's business.

9.15  ERISA Plans. Promptly during each year, to pay and cause any subsidiaries
to pay contributions adequate to meet at least the minimum funding standards
under ERISA with respect to each and every Plan; file each annual report
required to be filed pursuant to ERISA in connection with each Plan for each
year; and notify the Bank within ten (10) days of the occurrence of any
Reportable Event that might constitute grounds for termination of any capital
Plan by the Pension Benefit Guaranty Corporation or for the appointment by the
appropriate United States District Court of a trustee to administer any Plan.
"ERISA" means the Employee Retirement Income Security Act of 1974, as amended
from time to time. Capitalized terms in this paragraph shall have the meanings
defined within ERISA.

9.16  Books and Records. To maintain adequate books and records.

9.17  Audits. To allow the Bank and its agents to inspect the Borrower's
properties and examine, audit, and make copies of books and records at any
reasonable time. If any of the Borrower's properties, books or records are in
the possession of a third party, the Borrower authorizes that third party to
permit the Bank or its agents to have access to perform inspections or audits
and to respond to the Bank's requests for information concerning such
properties, books and records. Bank represents and warrants that it has standard
internal procedures relating to the confidentiality of customer information and
that it will use reasonable care to maintain nonpublic information obtained from
the Borrower in connection with this Agreement in confidence in accordance with
those procedures.

9.18  Perfection of Liens. To help the Bank perfect and protect its security
interests and liens, and reimburse it for related costs it incurs to protect its
security interests and liens.

9.19  Cooperation. To take any action reasonably requested by the Bank to carry
out the intent of this Agreement.

10.   DEFAULT AND REMEDIES

If any of the following events of default occurs, the Bank may do one or more of
the following: declare the Borrower in default, stop making any additional
credit available to the Borrower, and require the Borrower to repay its entire
debt immediately and without prior notice. If an event which, with notice or the
passage of time, will constitute an event of default has occurred and is
continuing, the Bank has no obligation to make advances or extend additional
credit under this Agreement. In addition, if any event of default occurs, the
Bank shall have all rights, powers and remedies available under any instruments
and agreements required by or executed in connection with this Agreement, as
well as all rights and remedies available at law or in equity. If an event of
default occurs under the paragraph entitled "Bankruptcy," below, with respect to
the Borrower, then the entire debt outstanding under this Agreement will
automatically be due immediately.

10.1  Failure to Pay. The Borrower fails to make a payment under this Agreement
when due.

10.2  Other Bank Agreements. Any default occurs under any other agreement the
Borrower (or any Obligor) or any of the Borrower's related entities or
affiliates has with the Bank or any affiliate of the Bank. For purposes of this
Agreement, "Obligor" shall mean any guarantor, any party pledging collateral to
the Bank, or, if the Borrower is comprised of the trustees of a trust, any
trustor.

10.3  Cross-default. Any default occurs under any agreement in connection with
any credit the Borrower (or any Obligor) or any of the Borrower's related
entities or affiliates has obtained from anyone else or which the Borrower (or
any Obligor) or any of the Borrower's related entities or affiliates has
guaranteed.

10.4  False Information. The Borrower or any Obligor has given the Bank
false or misleading information or representations.

10.5  Bankruptcy. The Borrower, any Obligor, or any general partner of the
Borrower or of any Obligor files a bankruptcy petition, a bankruptcy petition is
filed against any of the foregoing parties, or the Borrower, any Obligor, or any
general partner of the Borrower or of any Obligor makes a general assignment for
the benefit of creditors.

                                       13
<PAGE>

10.6  Receivers. A receiver or similar official is appointed for a substantial
portion of the Borrowers or any Obligor's business, or the business is
terminated, or, if any Obligor is anything other than a natural person, such
Obligor is liquidated or dissolved.

10.7  Lien Priority. The Bank fails to have an enforceable first lien (except
for any prior liens to which the Bank has consented in writing) on or security
interest in any property given as security for this Agreement (or any guaranty).

10.8  Judgments. Any judgments or arbitration awards are entered against the
Borrower or any Obligor, or the Borrower or any Obligor enters into any
settlement agreements with respect to any litigation or arbitration, in an
aggregate amount of Two Hundred Fifty Thousand and 00/100 Dollars ($250,000.00)
or more in excess of any insurance coverage.

10.9  Material Adverse Change. A material adverse change occurs, or is
reasonably likely to occur, in the Borrower's (or any Obligor's) business
condition (financial or otherwise), operations, properties or prospects, or
ability to repay the credit; or the Bank determines that it is insecure for any
other reason.

10.10 Government Action. Any government authority takes action that the Bank
believes materially adversely affects the Borrower's or any Obligor's financial
condition or ability to repay.

10.11 Default under Related Documents. Any default occurs under any guaranty,
subordination agreement, security agreement, deed of trust, mortgage, or other
document required by or delivered in connection with this Agreement or any such
document is no longer in effect, or any guarantor purports to revoke or disavow
the guaranty.

10.12 ERISA Plans. Any one or more of the following events occurs with respect
to a Plan of the Borrower subject to Title IV of ERISA, provided such event or
events could reasonably be expected, in the judgment of the Bank, to subject the
Borrower to any tax, penalty or liability (or any combination of the foregoing)
which, in the aggregate, could have a material adverse effect on the financial
condition of the Borrower:

(a)      A reportable event shall occur under Section 4043(c) of ERISA with
         respect to a Plan.

(b)      Any Plan termination (or commencement of proceedings to terminate a
         Plan) or the full or partial withdrawal from a Plan by the Borrower or
         any ERISA Affiliate.

10.13 Other Breach Under Agreement. A default occurs under any other term or
condition of this Agreement not specifically referred to in this Article. This
includes any failure or anticipated failure by the Borrower (or any other party
named in the Covenants section) to comply with the financial covenants set forth
in this Agreement, whether such failure is evidenced by financial statements
delivered to the Bank or is otherwise known to the Borrower or the Bank.

11. ENFORCING THIS AGREEMENT: MISCELLANEOUS

11.1  GAAP. Except as otherwise stated in this Agreement, all financial
information provided to the Bank and all financial covenants will be made under
generally accepted accounting principles, consistently applied.

11.2  Missouri Law. This Agreement is governed by Missouri state law.

11.3  Successors and Assigns. This Agreement is binding on the Borrower's and
the Bank's successors and assignees. The Borrower agrees that it may not assign
this Agreement without the Bank's prior consent. The Bank may sell
participations in or assign this loan, and may exchange financial information
about the Borrower with actual or potential participants or assignees. If a
participation is sold or the loan is assigned, the purchaser will have the right
of set-off against the Borrower.

11.4  Arbitration

(a)   This paragraph concerns the resolution of any controversies or claims
      between the parties, whether arising in contract, tort or by statute,
      including but not limited to controversies or claims that arise out of or
      relate to: (i) this agreement (including any renewals, extensions or
      modifications), or (ii) any document related to this agreement
      (collectively a "Claim"). For the purposes of this arbitration provision
      only, the term "parties" shall include any parent corporation, subsidiary
      or affiliate of the Bank involved in the servicing, management or
      administration of any obligation described or evidenced by this agreement.

                                       14
<PAGE>

(b)   At the request of any party to this agreement, any Claim shall be resolved
      by binding arbitration in accordance with the Federal Arbitration Act
      (Title 9, U.S. Code) (the "Act"). The Act will apply even though this
      agreement provides that it is governed by the law of a specified state.

(c)   Arbitration proceedings will be determined in accordance with the Act, the
      applicable rules and procedures for the arbitration of disputes of JAMS or
      any successor thereof ("JAMS"), and the terms of this paragraph. In the
      event of any inconsistency, the terms of this paragraph shall control.

(d)   The arbitration shall be administered by JAMS and conducted, unless
      otherwise required by law, in any U.S. state where real or tangible
      personal property collateral for this credit is located or if there is no
      such collateral, in the state specified in the governing law section of
      this agreement. All Claims shall be determined by one arbitrator; however,
      if Claims exceed Fifty Thousand Dollars ($50,000), upon the request of any
      party, the Claims shall be decided by three arbitrators. All arbitration
      hearings shall commence within ninety (90) days of the demand for
      arbitration and close within ninety (90) days of commencement and the
      award of the arbitrator(s) shall be issued within thirty (30) days of the
      close of the hearing. However, the arbitrator(s), upon a showing of good
      cause, may extend the commencement of the hearing for up to an additional
      sixty (60) days. The arbitrator(s) shall provide a concise written
      statement of reasons for the award. The arbitration award may be submitted
      to any court having jurisdiction to be confirmed and enforced.

(e)   The arbitrator(s) will have the authority to decide whether any Claim is
      barred by the statute of limitations and, if so, to dismiss the
      arbitration on that basis. For purposes of the application of the statute
      of limitations, the service on JAMS under applicable JAMS rules of a
      notice of Claim is the equivalent of the filing of a lawsuit. Any dispute
      concerning this arbitration provision or whether a Claim is arbitrable
      shall be determined by the arbitrator(s). The arbitrator(s) shall have the
      power to award legal fees pursuant to the terms of this agreement.

(f)   This paragraph does not limit the right of any party to: (i) exercise
      self-help remedies, such as but not limited to, setoff; (ii) initiate
      judicial or non-judicial foreclosure against any real or personal property
      collateral; (iii) exercise any judicial or power of sale rights, or (iv)
      act in a court of law to obtain an interim remedy, such as but not limited
      to, injunctive relief, writ of possession or appointment of a receiver, or
      additional or supplementary remedies.

(g)   The filing of a court action is not intended to constitute a waiver of the
      right of any party, including the suing party, thereafter to require
      submittal of the Claim to arbitration.

11.5  Severability; Waivers. If any part of this Agreement is not enforceable,
the rest of the Agreement may be enforced. The Bank retains all rights, even if
it makes a loan after default. If the Bank waives a default, it may enforce a
later default. Any consent or waiver under this Agreement must be in writing.

11.6  Attorneys' Fees. The Borrower shall reimburse the Bank for any reasonable
costs and attorneys' fees incurred by the Bank in connection with the
enforcement or preservation of any rights or remedies under this Agreement and
any other documents executed in connection with this Agreement, and in
connection with any amendment, waiver, "workout" or restructuring under this
Agreement. In the event of a lawsuit or arbitration proceeding, the prevailing
party is entitled to recover costs and reasonable attorneys' fees incurred in
connection with the lawsuit or arbitration proceeding, as determined by the
court or arbitrator. In the event that any case is commenced by or against the
Borrower under the Bankruptcy Code (Title 11, United States Code) or any similar
or successor statute, the Bank is entitled to recover costs and reasonable
attorneys' fees incurred by the Bank related to the preservation, protection, or
enforcement of any rights of the Bank in such a case. As used in this paragraph,
"attorneys' fees" includes the allocated costs of the Bank's inhouse counsel.

11.7  One Aqreement. This Agreement and any related security or other
agreements required by this Agreement, collectively:

(a)   represent the sum of the understandings and agreements between the Bank
      and the Borrower concerning this credit;

(b)   replace any prior oral or written agreements between the Bank and the
      Borrower concerning this credit; and

(c)   are intended by the Bank and the Borrower as the final, complete and
      exclusive statement of the terms agreed to by them.

                                       15
<PAGE>

In the event of any conflict between this Agreement and any other agreements
required by this Agreement, this Agreement will prevail. Any reference in any
related document to a "promissory note" or a "note" executed by the Borrower and
dated as of the date of this Agreement shall be deemed to refer to this
Agreement, as now in effect or as hereafter amended, renewed, or restated.

11.8  Disposition of Schedules and Reports. The Bank will not be obligated to
return any schedules, invoices, statements, budgets, forecasts, reports or other
papers delivered by the Borrower. The Bank will destroy or otherwise dispose of
such materials at such time as the Bank, in its discretion, deems appropriate.

11.9  Returned Merchandise. Until the Bank exercises its rights to collect the
accounts receivable as provided under any security agreement required under this
Agreement, the Borrower may continue its present policies for returned
merchandise and adjustments. Credit adjustments with respect to returned
merchandise shall be made immediately upon receipt of the merchandise by the
Borrower or upon such other disposition of the merchandise by the debtor in
accordance with the Borrower's instructions. If a credit adjustment is made with
respect to any Acceptable Receivable, the amount of such adjustment shall no
longer be included in the amount of such Acceptable Receivable in computing the
Borrowing Base.

11.10 Verification of Receivables. The Bank may at any time, either orally or in
writing, request confirmation from any debtor of the current amount and status
of the accounts receivable upon which such debtor is obligated.

11.11 Waiver of Confidentiality. The Borrower authorizes the Bank to discuss the
Borrower's financial affairs and business operations with any accountants,
auditors, business consultants, or other professional advisors employed by the
Borrower, and authorizes such parties to disclose to the Bank such financial and
business information or reports (including management letters) concerning the
Borrower as the Bank may request. Bank represents and warrants that it has
standard internal procedures relating to the confidentiality of customer
information and that it will use reasonable care to maintain nonpublic
information obtained from the Borrower in connection with this Agreement in
confidence in accordance with those procedures.

11.12 Indemnification. The Borrower will indemnify and hold the Bank harmless
from any loss, liability, damages, judgments, and costs of any kind relating to
or arising directly or indirectly out of (a) this Agreement or any document
required hereunder, (b) any credit extended or committed by the Bank to the
Borrower hereunder, (c) any claim, whether well-founded or otherwise, that there
has been a failure to comply with any law regulating the Borrower's sales or
leases to or performance of services for debtors obligated upon the Borrower's
accounts receivable and disclosures in connection therewith, and (d) any
litigation or proceeding related to or arising out of this Agreement, any such
document, any such credit, or any such claim. This indemnity includes but is not
limited to attorneys' fees (including the allocated cost of in-house counsel).
This indemnity extends to the Bank, its parent, subsidiaries and all of their
directors, officers, employees, agents. successors, attorneys, and assigns. This
indemnity will survive repayment of the Borrower's obligations to the Bank. All
sums due to the Bank hereunder shall be obligations of the Borrower, due and
payable immediately without demand.

11.13 Notices. Unless otherwise provided in this Agreement or in another
agreement between the Bank and the Borrower, all notices required under this
Agreement shall be personally delivered or sent by first class mail, postage
prepaid, or by overnight courier, to the addresses on the signature page of this
Agreement, or sent by facsimile to the fax numbers listed on the signature page,
or to such other addresses as the Bank and the Borrower may specify from time to
time in writing. Notices and other communications shall be effective (i) if
mailed, upon the earlier of receipt or five (5) days after deposit in the U.S.
mail, first class, postage prepaid, (ii) if telecopied, when transmitted, or
(iii) if hand-delivered, by courier or otherwise (including telegram, lettergram
or mailgram), when delivered.

11.14 Headings. Article and paragraph headings are for reference only and shall
not affect the interpretation or meaning of any provisions of this Agreement.

11.15 Counterparts. This Agreement may be executed in as many counterparts as
necessary or convenient, and by the different parties on separate counterparts
each of which, when so executed, shall be deemed an original but all such
counterparts shall constitute but one and the same agreement.

ORAL AGREEMENTS OR COMMITMENTS TO LOAN MONEY EXTEND CREDIT OR TO FORBEAR FROM
ENFORCING REPAYMENT OF A DEBT INCLUDING PROMISES TO EXTEND OR RENEW SUCH DEBT
ARE NOT ENFORCEABLE, REGARDLESS OF THE ELGAL THEORY UPON WHICH IT IS BASED THAT
IS IN ANY WAY RELATED TO THE CREDIT AGREEMENT. TO PROTECT YOU (BORROWER(S)) AND
US (CREDITOR) FROM MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTS WE REACH
COVERING SUCH MATTERS ARE

                                       16
<PAGE>

CONTAINED IN THIS WRITING, WHICH IS THE COMPLETE AND EXCLUSIVE STATEMENT OF THE
AGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING TO MODIFY IT.

THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE ENFORCED BY
THE PARTIES.

This Agreement is executed as of the date stated at the top of the first page.

Borrower                                  Bank

Decorize, Inc                             Bank of America, N.A.

By:/s/ Steve Crowder / President          By:
-------------------------------------     --------------------------------------
Steve Crowder, President/CEO              Robert Bratcher,
                                          Assistant Vice President

By:/s/ Brent Olson
-------------------------------------
Brent Olson, Vice President Finance

Address where notices to the Borrower     Address where notices to the Bank
are to be sent:                           are to be sent:
1938 East Phelps                          St. Louis CCS, Attn: Notice Desk
-------------------------------------     --------------------------------------

Springfield, MO 65802                     800 Market Street / M01-800-07-05
-------------------------------------     --------------------------------------

Telephone:                                St. Louis, MO 63101
-------------------------------------     --------------------------------------

Facsimile:
-------------------------------------

                                       17
<PAGE>

Schedule 7.5--Other security interests and liens;

The following security interests, liens and rights exist with respect to
Borrower's assets and Bank consents to them by execution of this Schedule 7.5:

LIENS (INCLUDING CAPITAL LEASES):

Jim Parsons(1)                                  $  845,468
Jim Parsons(2)                                  $1,000,000
Nest USA                                        $  120,408
SRC Holdings Corporation                        $  750,000
Liberty Bank - SBA                              $   61,935
AI Credit Corporation                           $   10,505
Westover Financial Inc.                         $   19,068
NMHG Financial Services                         $   12,013
IFC Credit Corporation, Inc.                    $   35,358
CITI Capital                                    $   13,762
CIT Technology Financial Services               $    2,169

Bank of America, N.A.

By: /s/ Robert W. Bratcher
--------------------------------------
Print Name: Robert W. Bratcher
           ---------------------------
Title: Client Manager
      --------------------------------
Date: January 12, 2005
     ---------------------------------

                                       18Exhibit 4.2

Bank of America [LOGO]

                          COMMERCIAL SECURITY AGREEMENT
================================================================================

Grantor: Decorize. Inc.                       Lendor:   Bank of America, N.A.
         1938 East Phelps                               CCS-Commercial Banking
         Springfield, MO 65802                          M01 800-07-06
                                                        800 Market Street
                                                        St. Louis, MO 63101

================================================================================

THIS COMMERCIAL SECURITY AGREEMENT dated January 12, 2005, is made and executed
between Decorize, Inc. ("Grantor") and Bank of America, N.A. ("Lender").

GRANT OF SECURITY INTEREST. For valuable consideration, Grantor grants to Lender
a security interest in the Collateral to secure the Indebtedness and agrees that
Lender shall have the rights stated in this Agreement with respect to the
Collateral, in addition to all other rights which Lender may have by law.

COLLATERAL DESCRIPTION. The word "Collateral" as used in this Agreement means
the following described property, whether now owned or hereafter acquired,
whether now existing or hereafter arising, and wherever located in which
Grantor is giving to Lender a security interest for the payment of the
Indebtness and performance of all other obligations under the Note and this
Agreement.

      All Inventory, Chanel Paper, Accounts, Equipment and General Intangibles

In addition, the word "Collateral" also includes all the following, whether now
owned or hereafter acquired, whether now existing or hereafter arising, and
wherever located:

      (A) All accessions, attachments, accessories, tools, parts, supplies,
      replacements of and additions to any of the collateral described herein,
      whether added now or later.

      (B) All products and produce of any of the property described in this
      Collateral section.

      (C) All accounts, general intangibles, instruments, rents, monies,
      payments, and all other rights, arising out of a sale, lease, consignment
      or other disposition of any of the property described in this Collateral
      section.

      (D) All proceeds (including insurance proceeds) from the sale,
      destruction, or other disposition of any of the property described in this
      Collateral section, and sums due from a third party who has damaged or
      destroyed the Collateral or from that party's insurer, whether due to
      judgment, settlement or other process.

      (E) All records and data relating to any of the property
      described in this Collateral section, whether in the form of a writing,
      photograph,  microfilm, microfiche, or electronic media, together with all
      of Grantor's right, title, and interest in and to all computer software
      required to utilize, create, maintain, and process any such records or
      data on electronic media.

Despite any other provision of this Agreement, Lender a nor granted, and will
not have, a nonpurchase money security interest in household goods, to the
extent such a security interest would be prohibited by applicable law. In
addition, if because of the type of any Property, Lender is required to give a
notice of the right to cancel under Truth in Lending for the Indebtedness, then,
Lender will not have a security interest in such Collateral unless and until
such a notice's given.

CROSS COLLATERALIZATION. In addition to the Note, title Agreement secures the
following described additional indebtedness: All obligations, debts and all
liabilities, including any swap, option or forward obligations, plus interest
thereon, of Borrower to Lender, or any one or more of them, as well as all
claims by lender against Borrower or any other party to this Agreement or any
one or more of them, whether now existing or hereafter arising, whether related
or unrelated to the purpose of the Note, whether voluntary or otherwise, whether
due or not due, direct or indirect, absolute or contingent, liquidated or
unliquidated and whether Borrower or any other party to this Agreement may be
liable individually or jointly with others, whether obligated as guarantor,
surety, accommodation party or otherwise, and whether recovery upon such amounts
may be or hereafter may become barred by any statute of limitations, and whether
the obligation to repay such amounts may be or hereafter may become otherwise
unenforceable. Unless the Borrower and any other party to this Agreement shall
have otherwise agreed in writing or received written notice thereof, this
Agreement shall not secure any obligation owing to Lender which constitutes
"consumer credit" subject to the disclosure requirements of the Federal Truth in
Lending Act and any regulations promulgated thereunder.

RIGHT OF SETOFF. To the extent permitted by applicable law, Lender reserves a
right of setoff in all Grantor's accounts with Lender (whether checking,
savings, or some other account). This includes all accounts Grantor holds
jointly with someone else and all accounts Grantor may open in the future.
However, this does not induce any IRA or Keogh accounts, or any trust accounts
for which setoff would be prohibited by law. Grantor authorizes Lender, to the
extent permitted by applicable law, to charge or setoff all sums owing on the
Indebtedness against any and all such accounts.

GRANTOR'S REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THE COLLATERAL. With
respect to the Collateral, Grantor represents and promises to Lender that:

      Perfection of Security Interest. Grantor agrees to take whatever actions
      are requested by Lender to perfect and continue Lender's security interest
      in the Collateral. Upon request of Lender, Grantor with deliver to Lender
      any and all of the documents evidencing or constituting the Collateral,
      and Grantor will note Lender's interest upon any and all chattel paper and
      instruments if not delivered to Lender for possession by Lender. This is a
      continuing Security Agreement and will continue in effect even though all
      or any part of the Indebtedness is paid in full and even though for a
      period of time Grantor may not be Indebted to Lender.

      Notices to Lender - Grantor will promptly notify Lender in writing at
      Lender's address shown above lot such other addresses as Lender may
      designate from time to time prior to any (1) change in Grantor's name;
      (2) change in Grantor a assumed business name; (3) change in the
      management of the Corporation Grantor; (4) change in the authorized
      signers(s); (5) change in Grantor's principal office address: (6) change
      in Grantor's state of organization; (7) conversion of Grantor to a new or
      different type of business entity; or (8) change in any other aspect of
      Grantor that directly or indirectly relates to any agreements between
      Grantor and Lendor. No change in Grantor's name or state of organization
      will take effect until after Lender has received notice.

      No Violation. The execution and delivery of this Agreement will not
      violate any law or agreement governing Grantor or to which Grantor is a
      party, and its certificate or articles of incorporation and bylaws do not
      prohibit any term or condition of this Agreement.

      Enforceability of Collateral. To the extent the Collateral consists of
      accounts, chattel paper, or general intangibles, as defined by the Uniform
      Commercial Code, the Collateral is enforceable in accordance with its
      terms, is genuine, and fully compiles with all applicable laws

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                                                          Page 2

and regulations concerning form, content and manner of preparation and
execution, and all persons appearing to be obligated on the Collateral have
authority and capacity to contract and are in fact obligated as they appear to
be on the Collateral. At the time any account becomes subject to a security
interest in favor of Lender, the account shell be a good and valid account
representing an undisputed, bona fide indebtedness incurred by the account
debtor, for merchandise held subject to delivery instructions or previously
shipped or delivered pursuant to a contract of sale, or for services previously
performed by Grantor with or for the account debtor. So long as this Agreement
remains in effect, Grantor shall not, without Lender's prior written consent,
compromise, settle, adjust, or extend payment under or with regard to any such
Accounts. There shall be no setoffs or counterclaims against any of the
Collateral, and no agreement shall have been made under which any deductions of
discounts may be claimed concerning the Collateral except those disclosed to
Lender in writing.

Location of the Collateral. Except in the ordinary course of Grantor's business,
Grantor agrees to keep the Collateral (or to the extent the Collateral consists
of intangible property such as accounts or general intangibles, the records
concerning the Collateral) at Grantor's address shown above or at such other
locations as are acceptable to Lender. Upon Lender's request, Grantor will
deliver to Lender in form satisfactory to Lender a schedule of real properties
and Collateral locations relating to Grantor's operations, including without
limitation the following: (1) all real property Grantor owns or is purchasing;
(2) all real property Grantor is renting or leasing: (3) all storage facilities
Grantor owns, rents, leases, or uses; and (4) all other properties where
Collateral is or may be located.

Removal of the Collateral. Except in the ordinary course of Grantor's Business,
including the sales of inventory, Grantor shell not remove the Collateral from
its existing location without Lender's prior written consent. To the extent
that the Collateral consists of vehicles, or other titled property, Grantor
shall not take or permit any action which would require application for
certificates of title for the vehicles outside the State of Delaware, without
Lender's prior written consent. Grantor shall, whenever requested, advise Lender
of the exact location, of the Collateral.

Transactions Involving Collateral - Except for inventory sold or accounts
collected in the ordinary course of Grantor's business, or as otherwise provided
for in this Agreement, Grantor Shall not sell, offer to sell, or otherwise
transfer or dispose of the Collateral. While Grantor is not in default under
this Agreement, Grantor may sell inventory, but only in the ordinary course of
its business and only to buyers who qualify as a buyer in the ordinary course of
business. A sale in the ordinary course of Grantor's business does not include a
transfer in partial or total satisfaction of a debt or any bulk sale. Grantor
shall not pledge, mortgage, encumber or otherwise permit the Collateral to be
subject to any lien, security interest, encumbrance, or charge other than the
security interest provided for in this Agreement, without the prior written
consent of Lender. This includes security interests even if junior in right to
the security interests granted under this Agreement. Unless waived by Lender,
all proceeds from any disposition of the Collateral (for whatever reason) shall
be held in trust for Lender and shall not be commingled with any other funds;
provided however, this requirement shall not constitute consent by Lender to any
sale or other disposition. Upon receipt, Grantor shall immediately deliver any
such proceeds to Lender.

Title. Grantor represents and warrants to Lender that Grantor holds good and
marketable title to the Collateral, free and clear of all liens and encumbrances
except for the lien of this Agreement. No financing statement covering any of
the Collateral is on file in any pubic office other than those which reflect the
security interest created by this Agreement or to which Lender has specifically
consented. Grantor shall defend Lender's rights in the Collateral against the
claims and demands of all other persons.

Repairs and Maintenance. Grantor agrees to keep and maintain, and to cause
others to keep and maintain, the Collateral in good order, repair and condition
at all times while this Agreement remains in effect Grantor further agrees to
pay when due all claims for work done on, or services rendered or material
furnished in connection with the Collateral so that no lien or encumbrance may
ever attach to or be filed against the Collateral.

Inspection of Collateral. Lender and Lender's designated representatives and
agents shall have the right at al1 reasonable times to examine and inspect the
Collateral wherever located.

Taxes, Assessments and Liens. Grantor will pay when due all taxes, assessments
and liens upon the Collateral, its use or operation, upon this Agreement, upon
any promissory note or notes evidencing this Indebtedness, or upon any of the
other Related Documents. Grantor may withhold any such payment or may elect to
contest any lien if Grantor is in good faith conducting an appropriate
proceeding to contest the obligation to pay and so long as Lender's interest in
the Collateral is not jeopardized in Lendor's sole opinion. If the Collateral is
subjected to a lien which is not discharged within fifteen (15) days. Grantor
shall deposit with Lender cash, a sufficient corporate surety bond or other
security satisfactory to Lender in an amount adequate to provide for the
discharge of the lien plus any interest, costs, reasonable attorneys' fees or
other charges that could accrue as a result of foreclosure or sale of the
Collateral. In any contest Grantor shall defend itself and Lender and shall
satisfy any final adverse judgment before enforcement against the Collateral.
Grantor shall name Lender as an additional obligee under any surety bond
furnished in the contest proceedings. Grantor further agrees to furnish Lender
with evidence that such taxes, assessments, and governmental and other charges
have been paid in full and in a timely manner. Grantor may withhold any such
payment or may elect to contest any lien if Grantor is in good faith conducting
an appropriate proceeding to contest the obligation to pay and so long as
Lender's interest in the Collateral is not jeopardized.

Compliance with Governmental Requirements. Grantor shall comply promptly with
all laws, ordinances, rules and regulations of all governmental authorities, now
or hereafter in effect, applicable to the ownership, production, disposition, or
use of the Collateral, including all laws or regulations relating to the undue
erosion of highly-erodible land or relating to the conversion of wetlands for
the production or an agricultural product or commodity. Grantor may contest in
good faith any such law, ordinance or regulation and withhold compliance during
any proceeding, including appropriate appeals, so long as Lender's interest in
the Collateral, in Lender's opinion, not jeopardized.

Hazardous Substances. Grantor represents and warrants that the Collateral never
has been, and never will be so long as this Agreement remains a lien on the
Collateral, used in violation of any Environmental Laws or for the generation,
manufacture, storage, transportation, treatment, disposal, release or threatened
release of any Hazardous Substance. The representations and warranties contained
herein are based on Grantor's due diligence in investigating the Collateral for
Hazardous Substances. Grantor hereby (l) releases and waives any false claims
against Lender for indemnity or contribution in the event Grantor becomes liable
for cleanup of other costs under any Environmental Laws and (2) agrees to
indemnify and hold harmless Lender against any and all claims and losses
resulting from a breach of unit provision of this Agreement. This obligation to
indemnify shall survive the payment of the Indebtedness and the satisfaction of
this Agreement.

Maintenance of Casualty Insurance. Grantor shall procure and maintain all risks
insurance, including without limitation fire, theft and liability coverage
together with such other insurance as Lender may require with respect to the
Collateral in form, amounts, coverages, and basis reasonably acceptable to
Lender and issued by a company or companies reasonably acceptable to Lender.
Grantor, upon request of Lender, will deliver to Lender from time to time the
policies or certificates of insurance in form satisfactory to Lender including
stipulations that coverages will not be cancelled or diminished without at least
thirty (30) days' prior written notice to Lender and not including any
disclaimer of the insurer's liability for failure to give such a notice. Each
insurance policy also shall include an endorsement providing that coverage in
favor of Lender will not be impaired in any way by any act, omission or default
of Grantor or any other person. In connection with all policies covering assets
in which Lender holds or is offered a security interest. Grantor will provide
Lender with such loss payable or other endorsements as Lender may require. If
Grantor at any time fails to obtain or maintain any insurance as required under
this

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                     Page 3

Agreement, Lender may (but shall not be obligated to  obtain such insurance as
Lender deems appropriate, including if Lender so chooses "single interest
insurance," which will cover only Lender's interest in the Collateral.

      Application of Insurance Proceeds. Grantor shall promptly notify Lender
      of any loss or damage to Collateral. Lender may make proof of loss if
      Grantor fails to do so within fifteen (15) days of the casualty. All
      proceeds of any insurance on the Collateral, including accrued proceeds
      thereon, shall be held by Lender as part of the Collateral. If Lender
      consents to repair or replacement of the damaged or destroyed Collateral,
      Lender shall, upon satisfactory proof of expenditure, pay or reimburse
      Grantor from the proceeds for the reasonable cost of repair or
      restoration. If Lender does not consent to repair or replacement, of the
      Collateral, Lender shall retain a sufficient amount of the proceeds to pay
      all of the Indebtedness, and shall pay the balance to Grantor. Any
      proceeds which have not been disbursed within six (6) months after their
      receipt and which Grantor has not committed to the repair or restoration
      of the Collateral shall be used to prepay the Indebtedness.

      Insurance Reserves. Lender may require Grantor to maintain with Lender
      reserves for payment of insurance premiums, which reserves shall be
      created by monthly payments from Grantor of a sum estimated by Lender to
      be sufficient to produce, at least fifteen (15) days before the premium
      due date, amounts at least equal to the insurance premiums to be paid. If
      fifteen (15) days before payment is due, the reserve funds are
      insufficient, Grantor shall upon demand pay any deficiency to Lender. The
      reserve funds shall be held by Lender as a general deposit and shall
      constitute a non-interest-bearing account which Lender may satisfy by
      payment of the insurance premiums required to be paid by Grantor as they
      become due. Lender does not hold the reserve funds in trust for Grantor,
      and Lender is not the agent of Grantor for payment of the insurance
      premiums required to be paid by Grantor. The responsibility for the
      payment of premiums shall remain Grantor's sole responsibility.

      Insurance Reports. Grantor, upon request of Lender, shall furnish to
      Lender reports on each existing policy of insurance showing such
      information as Lender may reasonably request including the following: (1)
      the name of the insurer; (2) the risks insured; (3) the amount of the
      policy; (4) the property insured; (5) the then current value on the basis
      of which insurance has been obtained and the manner of determining that
      value and (6) the expiration date of the policy. In addition, Grantor
      shall upon request by Lender (however not more often than annually) have
      an independent appraiser satisfactory to Lender determine, ass applicable,
      the cash value or replacement cost of the Collateral.

      Financing Statements. Grantor authorizes Lender to file a UCC financing
      statement, or alternatively, a copy of this Agreement to perfect Lender's
      security interest. At Lender's request, Grantor additionally agrees too
      sign all other documents that are necessary to perfect, protect, and
      continue Lender's security interest in the Property. Grantor will pay all
      filing fees, title transfer fees, and other fees and costs involved unless
      prohibited by law or unless Lender is required by law to pay such fees and
      costs. Grantor irrevocably appoints Lender to execute documents necessary
      to transfer title if there is a default. Lender may file a copy or this
      Agreement as a financing statement. If Grantor changes Grantor's name or
      address, or the name or address of any person granting a security interest
      under this Agreement changes, Grantor w11 promptly notify the Lender of
      such change.

GRANTOR'S RIGHT TO POSSESSION AND TO COLLECT ACCOUNTS. Until default and except
as otherwise provided below with respect to accounts, Grantor may have
possession of the tangible personal property and beneficial use of all the
Collateral and may use it in any lawful manner not inconsistent with this
Agreement or the Related Documents, provided that Grantor's right to possession
and beneficial use shall lot apply to any Collateral where possession of this
Collateral by Lender is required by law to perfect Lender's security interest in
such Collateral, Until otherwise notified by Lender, Grantor may collect any of
the Collateral consisting of accounts. At any time end even though no Event of
Default exists, Lender may exercise its rights to collect the accounts and to
notify account debtors' to make payments directly to Lender for application to
the Indebtedness. If Lender at any time has possession of any Collateral whether
before or after an Event of Default, Lender shall be deemed to have exercised
reasonable care in the custody and preservation of the Collateral if Lender
takes such action for that purpose as Grantor shall request or as Lender, in
Lender's sole discretion, shall deem appropriate under the circumstances, but
failure to honor any request by Grantor shall not of itself be deemed to be a
failure to exercise reasonable care. Lender shall not be required to take any
steps necessary to preserve any rights in the Collateral against prior parties,
nor to protect, preserve or maintain any security interest given to secure the
Indebtedness.

LENDER'S EXPENDITURES. If any action or proceeding is commenced that would
materially affect Lender's interest in the Collateral or if Grantor fails to
comply with any provision of this Agreement or any Related Documents, including
but not limited to Grantor's failure to discharge or pay when due any amounts
Grantor is required to discharge or pay under this Agreement or any Related
Documents. Lender on Grantors behalf may (but shall not be obligated to) take
any action that Lender deems appropriate, including but not limited to
discharging or paying all taxes, liens, security interests, encumbrances and
other claims, at any time levied or placed on the Collateral and paying all
costs for insuring, maintaining and preserving the Collateral. All such
expenditures incurred or paid by Lender for such purposes will then bear
interest at the rate charged under the Note from the date incurred or paid by
Lender to the date of repayment by Grantor. All such expenses will become a part
of the indebtedness and, at Lender's option, will (A) be payable on demand; (B)
be added to the balance of the Note and be apportioned among and be payable with
any installment payments to become due during either (1) the term of any
applicable insurance policy; or (2) the remaining term of the Note; or (C) be
treated as a balloon payment which will be due and payable at the Note's
maturity. The Agreement also will secure payment of these amounts. Such right
shall be in addition to all other rights and remedies to which Lender may be
entitled upon Default.

DEFAULT. Each of the following shall constitute an Event of Default under this
Agreement:

      Payment Default. Grantor fails to make any payment when due under the
      Indebtedness.

      Other Defaults. Grantor fails to comply with or to perform any other term,
      obligation, covenant or condition contained in this Agreement or in any of
      the Related Documents or to comply with or to perform any term,
      obligation, covenant or condition contained in any other agreement between
      Lender and Grantor.

      Default in Favor of Third Parties. Should Borrower or any Grantor default
      under any loan, extension of credit, security agreement, purchase or sales
      agreement, or any other agreement, in favor of any other creditor or
      person that may materially affect any of Grantor's property or Grantor's
      or any Grantor's ability to repay the Indebtedness or perform their
      respective obligations under this Agreement or any of the Related
      Documents.

      False Statements. Any warranty, representation or statement made or
      furnished to Lender by Grantor or on Grantor's behalf under this Agreement
      or the Related Documents is false or misleading in any material respect,
      either now or at the time made or furnished or becomes false or misleading
      at any time thereafter.

      Defective Collaterallizatlon. This Agreement or any of the Related
      Documents ceases to be in full force, and effect (including failure of any
      collateral document to create a valid and perfected security interest or
      lien) at any time and for any reason.

      Insolvency. This dissolution or termination of Grantor's existence as a
      going business, the insolvency of Grantor, the appointment of a receiver
      for any part of Grantor's property, any assignment for the benefit of
      creditors, any type of creditor workout, or the commencement of any
      proceeding under any bankruptcy or insolvency laws by or against Grantor.

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                                                          Page 4

      Creditor or Forfeiture Proceedings. Commencement of foreclosure or
      forfeiture proceedings, whether by judicial proceeding, self-help,
      repossession or any other method, by any creditor of Grantor or by any
      governmental agency against any collateral securing the Indebtedness. This
      includes a garnishment of any of Grantor's accounts, including deposit
      accounts, with Lender. However, this Event of Default shall not apply if
      there is a good faith dispute by Grantor as to the validity or
      reasonableness of the claim which is the basis of the creditor or
      forfeiture proceeding and if, Grantor elves Lender written notice of the
      creditor or forfeiture proceeding and deposits with Lender monies or a
      surety bond for the creditor or forfeiture proceeding, in an amount
      determined by Lender, in its sole discretion, as being an adequate reserve
      or bond for the dispute.

      Events Affecting Guarantor. Any of the preceding events occurs with
      respect to any Guarantor of any of the Indebtedness or Guarantor dies or
      becomes incompetent or revokes or disputes the validity of, or liability
      under, any Guaranty of the Indebtedness.

      Adverse Change. A material adverse change occurs in Grantor's financial
      condition, or Lender believes the prospect of payment or performance of
      the Indebtedness is impaired.

      Insecurity. Lender in good faith believes itself insecure.

RIGHTS AND REMEDIES ON DEFAULT. If an Event of Default occurs under this
Agreement, at any time thereafter, Lender shall have all the rights of a secured
party under the Delaware Uniform Commercial Code, In addition and without
Limitation, Lender may exercise any one or more of the following rights and
remedies:

      Accelerate Indebtedness. Lender may declare the entire indebtedness,
      including any prepayment penalty which Grantor would be required to pay,
      immediately due and payable, without notice of any kind to Grantor.

      Assemble Collateral. Lender may require Grantor to deliver to Lender all
      or any portion or the Collateral and any and all certificates of title and
      other documents relating to the Collateral. Lender may require Grantor
      to assemble the Collateral and make it available to Lender at a place to
      be designated by Lender. Lender also shall have full power to enter upon
      the property of Grantor to take possession of and remove the Collateral.
      If the Collateral contains other goods not covered by this Agreement at
      the time of repossession, Grantor agrees Lender may take such other goods,
      provided that Lender makes reasonable efforts to return them to Grantor
      after repossession.

      Sell the Collateral. Lender shall have full power to sell, lease,
      transfer, or otherwise deal with the Collateral or proceeds thereof in
      Lender's own name or that of Grantor. Lender may sell the Collateral at
      public auction or private sale. Unless the Collateral threatens to decline
      speedily in value or is of a type customarily sold on a recognized market,
      Lender will give Grantor, and other parsons as required by law, reasonable
      notice of the time and place of any public sale, or the time after which
      any private sale or any other disposition of the Collateral is to be made.
      However, no notice need be provided to any person who, after Event of
      Default occurs, enters into and authenticates an agreement waiving that
      person's right to notification of sale. The requirements of reasonable
      notice shall be met if each notice is given at least ten (10) days before
      the time of the Sale or disposition. All expenses relating to the
      disposition of the Collateral. Including without limitation the expenses
      of retaking, holding insuring, preparing for sale and selling the
      Collateral, shall become a part of the Indebtedness secured by this
      Agreement and shall be payable on demand, with interest at the Note rate
      from date of expenditure until repaid.

      Appoint Receiver. Lender shall have the right to have a receiver appointed
      to take possession of all or any part of the Collateral, with the power to
      protect and preserve the Collateral, to operate the Collateral preceding
      foreclosure or sale, and to collect the Rents from the Collateral and
      apply the proceeds, over and above the cost of the receivership, against
      the Indebtedness. The receiver may serve without bond if permitted by law.
      Lender's right to the appointment of a receiver shall exist whether or not
      the apparent value of the Collateral exceeds the Indebtedness by a
      substantial amount. Employment by Lender shall not disqualify a person
      from serving as a receiver.

      Collect Revenues, Apply Accounts. Lender, either itself or through a
      receiver, may collect the payments, rents, income, and revenues from the
      Collateral Lender may at any time in Lender's discretion transfer any
      Collateral into Lender's own name or that of Lender's nominee and receive
      the payments, rents, income, and revenues, therefrom and hold the same as
      security for the Indebtedness or apply it to payment of the Indebtedness
      in such order of preference as Lender may determine, insofar as the
      Collateral consists of accounts, general intangibles, insurance policies,
      instruments, chattel paper, Choses in action, or similar property, Lender
      may demand, collect, receipt for, settle. Compromise, adjust, sue for,
      foreclose,; or realize on the Collateral as Lender may determine, whether,
      nether or not Indebtedness or Collateral is then due for these purposes,
      Lender may, on behalf of and in the name of Grantor, receive, open and
      dispose of mail addressed to Grantor; change any address to which mail
      and payments are to be sent; and endorse notes checks, drafts, money
      orders, documents of title, instruments and items pertaining to payment,
      shipment, or storage of any Collateral. To facilitate collection, Lender
      may notify account debtors and obligors on any Collateral to make payments
      directly to Lender.

      Obtain Deficiency- If Lender chooses to sell any or all of the
      Collateral, Lender may obtain a judgment against Grantor for any
      deficiency remaining on the Indebtedness due to Lender after application
      of all amounts received from the exercise of the rights; provided in this
      Agreement. Grantor shall be liable for a deficiency even if the
      transaction described in this subsection is a sale of accounts or chattel
      paper.

      Other Rights and Remedies. Lender shall have all the rights and remedies
      of a secured creditor under the provisions of the Uniform Commercial Code,
      as may be amended from time to time. In addition, Lander shall have and
      may exercise any or all other rights, and remedies it may have available
      at law, in equity, or otherwise.

      Election of Remedies. Except as may be prohibited by applicable law, all
      of Lender's rights and remedies, whether evidenced by this Agreement,
      the Related Documents, or by any other writing, shall be cumulative and
      may be exercised singularly or concurrently. Election by Lendor to
      pursue any remedy shall not exclude pursuit of any other remedy, and an
      election to make expenditures or to take action to perform an obligation
      of Grantor under this Agreement, after Grantor's failure to perform, shall
      not affect Lender's right to declare a default and exercise its remedies.

ARBITRATION. (a) This paragraph concerns the resolution of any controversies or
claims between the parties, whether arising in contract, tort or by statute,
including but not limited to controversies or claims that arise out of or relate
to: (i) this agreement (including any renewals, extensions or modifications: or
(ii) any document related to this agreement (collectively, a "Claim"). For the
purposes of this arbitration provision only, the term "parties" shall include
any parent corporation, subsidiary or affiliate of the Bank involved in the
servicing, management or administration of any obligation described or evidenced
by this agreement

(b) At the request of any party to this agreement, any Claim shall be resolved
by binding arbitration in accordance with the Federal Arbitration Act (Title 9,
U.S. Code) (the "Act"). The Act will apply even though this agreement provides
that it is governed by the law of a specified state.

(c) Arbitration proceedings will be determined in accordance with the Act, the
applicable rules and procedures for the arbitration of disputes of JAMS or any
successor thereof ("JAMS"), and the terms of this paragraph. In the event of any
inconsistency, the terms of this paragraph shall control.

(d) The arbitration shall be administered by JAMS and conducted, unless
otherwise required by law, in any U.S. state where real or tangible personal
property collaterall for this credit is located or if there is no such
Collateral. In the state specified in the governing law section of this

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                                                          Page 5

agreement. All Claims shall be determined by one arbitrator; however, if Claims
exceed $50,000, upon the request of any party, the Claims shall be decided by
three arbitrators. All arbitration hearings shall commence within 90 days of the
demand for arbitration and close within 90 days of commencement and the award of
the arbitrators) shall be issued within 30 days of the close of the hearing.
However, the arbitrator(s), upon a showing of good cause, may extend the
commencement of the hearing for up to an additional 50 days. The arbitrator(s)
shall provide a concise written statement of reasons for the award. The
arbitration award may be submitted to any court having jurisdiction to be
confirmed and enforced.

(e) The arbitrator(s) will have the authority to decide whether any Claim is
barred by any statute of limitations and, if so, to dismiss the arbitration on
that basis. For purposes of the application of the statute of limitations, the
service on JAMS under applicable JAMS rules of a not.ce of Claim is the
equivalent of the filing of a lawsuit. Any dispute concerning this arbitration
provision or whether a Claim is arbitratable shall be determined by the
arbitrator(s). The arbitrator(s) shall have the power to award legal fees
pursuant to the terms of this agreement.

(f) This paragraph does not limit the right of any party to: (i) exercise
self-help remedies, such as but not limited to, setoff; (ii) initiate judicial
or nonjudicial foreclosure against any real or personal property collateral;
(iii) exercise any judicial or power of sale rights, or (iv) act in a court of
law to obtain an interim remedy, such as but not limited to, injunctive relief,
write of possession or appointment of a receiver, or additional or suplementary
remedies.

(g) The filing of a court action is not intended to constitute a waiver of the
right of any party, including the suing party, thereafter to require submittal
of the Claim to arbitration.

ADDITIONAL DEFAULTS. Each of the following shall constitute an event of
default ("Event of Default") under this Agreement

Event of Default Under Related Documents. A default or event of default occurs
under the terms of any Related Document executed by Borrower or any guarantor,
pledgor, accommodation party or other obligor.

COUNTERPARTS. This Agreement may be executed in any number of counterparts, each
of which when so executed shall be deemed to be an original and all of which
taken together shall constitute one and the same agreement.

FINAL AGREEMENT. BY SIGNING THIS DOCUMENT EACH PARTY REPRESENTS AND AGREES THAT:
(A) THIS DOCUMENT REPRESENTS THE FINAL AGREEMENT BETWEEN THE PARTIES WITH
RESPECT TO THE SUBJECT MATTER HEREOF. (B) THIS DOCUMENT SUPERSEDES ANY
COMMITMENT LETTER, TERM SHEET OR OTHER WRITTEN OUTLINE OF TERMS AND CONDITIONS
RELATING TO THE SUBJECT MATTER HEREOF, UNLESS SUCH COMMITMENT LETTER. TERM SHEET
OR OTHER WRITTEN OUTLINE OF TERMS AND CONDITIONS EXPRESSLY PROVIDES TO THE
CONTRARY, (C) THERE ARE NO ORAL AGREEMENTS BETWEEN THE PARTIES. AND (D) THIS
DOCUMENT MAY NOT BE CONTRADICTED BY EVIDENCE OF ANY PRIOR, CONTEMPORANEOUS, OR
SUBSEQUENT ORAL AGREEMENTS OR UNDERSTANDINGS OF THE PARTIES.

FINAL AGREEMENT. ORAL AGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT,
OR TO FORBEAR FROM ENFORCING REPAYMENT OF A DEBT INCLUDING PROMISES TO EXTEND OR
RENEW SUCH DEBT ARE NOT ENFORCEABLE. TO PROTECT YOU (BORROWER(S) AND US (LENDER)
FROM MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTS WE REACH COVERING SUCH
MATTERS ARE CONTAINED IN THIS WRITING WHICH IS THE COMPLETE AND EXCLUSIVE
STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING
TO MODIFY IT.

ADDRESS FOR NOTICES. Notwithstanding anything to the contrary herein, all
notices and communications to the Lender shall be directed to the following
address:

             Bank of America, N.A.
             St. Louis CCS, Attn: Notice Desk
             800 Market Street
             St. Louis, MO 63101

MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of
this Agreement:

      Amendments. This Agreement, together with any Related Documents,
      constitutes the entire understanding and agreement of the parties as to
      the matters set forth in this Agreement. No alteration of or amendment to
      this Agreement Shall be effective unless given in writing and signed by
      the party or parties sought to be charged or bound by the alteration or
      amendment.

      Attorneys' Fees; Expenses. Grantor agrees to pay upon demand all of
      Lender's costs and expenses, including Lender'S reasonable attorneys' fees
      and Lender's legal expenses, incurred in connection with the enforcement
      of this Agreement. Lender may hire or pay someone else to help enforce
      this Agreement, and Grantor shall pay the costs and expenses of such
      enforcement. Costs and expenses include Lender's reasonable attorneys'
      fees and legal expenses whether or not there is a lawsuit, including
      reasonable attorneys' fees and legal expanses for bankruptcy proceedings
      (including efforts to modify or vacate any automatic stay or injunction,
      appeals, and any anticipated post-judgment collection services. Lender may
      also recover from Grantor all court, alternative dispute resolution, or
      other collection costs (including, without limitation, fees and charges
      of collection agencies) actually incurred by Lender.

      Caption Headings. Caption headings in this Agreement are for convenience
      purposes only and are not to be used to intercept or define the provisions
      of this Agreement.

      Governing Law. This Agreement will be governed by, construed and enforced
      in accordance with federal law and the laws of the State of Missouri,
      except and only to the extent of procedural matters related to the
      perfection and enforcement of Lender's rights and remedies against the
      Collateral, which matters shall be governed by the laws at the State of
      Delaware. However, in the event that the enforceability or validity of any
      provision of this Agreement is challenged or questioned, such provision
      shall be governed by whichever applicable state or federal law would
      uphold or would enforce such challenged or questioned provision. The loan
      transaction which is evidenced by the Note and this Agreement has been
      applied for, considered, approved and made, and all necessary loan
      documents have been accepted by Lender in the State of Missouri.

      Choice of Venue. If there is a lawsuit, Grantor and agree to the
      jurisdiction of the courts of Greene County, State of Missouri.

      No Waiver by Lender. Lender shall not be deemed to be waived any rights
      under this Agreement unless such waiver is given in writing and signed by
      Lender. No delay or omission on the part of Lender in exercising any
      right shall operate as a waiver of suoh right or any other right. A waiver
      by Lender of a provision of this Agreement shall not prejudice or
      constitute a waiver of Lender's rights otherwise to demand strict
      compliance with that provision or any other provision of this Agreement.
      No prior waiver by Lander, nor any course of dealing between Lender and
      Grantor, shall constitute a waiver of any of Lender's rights or of any of
      Grantor's obligations as to any future transactions. Whenever the consent
      of Lender is required under this Agreement, the granting of such consent
      by Lender in any instance shall not constitute continuing consent to
      subsequent instances where such consent is required and in all cases suoh
      consent may be granted or withheld in the sole discretion of Lender.

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                                                          Page 6

      Notices. Any notice required to be given under this Agreement shall be
      given in writing, and shall be effective when actually delivered, when
      actually received by telefacsimile (unless otherwise required by law),
      when deposited with a nationally recognized overnight courier, or, if
      mailed, when deposited in the United States mail, as first class,
      certified or registered mail postage prepaid, directed to the addresses
      shown near the beginning of this Agreement. Any party may change its
      address for notices under this Agreement by giving formal written notice
      to the other parties, specifying that the purpose of the notice is to
      change the party's address. For notice purposes, Grantor agrees to keep
      lender informed at all times of Grantor's current address. Unless
      otherwise provided or required by law, if there is more than one Grantor,
      any notice given by Lender to any Grantor is deemed to be notice given to
      all Grantors.'

      Power of Attorney. Grantor hereby appoints Lender as Grantor's irrevocable
      attorney-in-fact for the purpose of executing any documents necessary to
      be perfect, amend, or to continue the security interest granted in this
      Agreement or to demand termination of filing of other secured parties.
      Lender may at any time, and without further authorization from Grantor,
      file a carbon, photographic or other reproduction of any financing
      statement or of this Agreement for use as a financing statement. Grantor
      will reimburse Lender for all expenses for the perfection and the
      continuation of the perfection of Lenders' security interest in the
      Collateral.

      Severability. If a court of competent jurisdiction finds any provision of
      this Agreement to be illegal, invalid, or unenforceable as to any
      circumstance, that finding shall not make the offending provision legal,
      invalid, or unenforceable as to any other circumstance. If feasible, the
      offending provision shall be considered modified so that it becomes legal,
      valid and enforceable. If the offending provision cannot be so modified,
      it shall be considered deleted from this Agreement. Unless otherwise
      required by law, the illegality, invalidity, or unenforceability of any
      provision of this Agreement shall not affect the legality, validity or
      enforceability of any other provision of this Agreement.

      Successors and Assigns. Subject to any limitations stated in this
      Agreement on transfer of Grantor's interest, this Agreement shall be
      binding upon and inure to the benefit of the parties, their successors and
      assigns. If ownership of the Collateral becomes vested in a person other
      than the Grantor, Lender, without notice to Grantor, may deal with
      Grantor's successors with reference to this Agreement and the indebtedness
      by way of forbearance or extension without releasing Grantor from the
      obligations of this Agreement or liability under the Indebtedness.

      Survival of Representations and Warranties. All representations,
      warranties, and agreements made by Grantor in this Agreement shall survive
      the execution and delivery of this Agreement, shall be continuing in
      nature, and shall remain in full force and effect until such time as
      Grantor's indebtedness shall be paid in full.

      Time is of the Essence. Time is of the essence in the performance of this
      Agreement.

DEFINITIONS. The following capitalized words and terms shall have the following
meanings when used in this Agreement. Unless specifically stated to the
contrary, all references to dollar amounts shall mean amounts in lawful money
of the United States of America. Words and terms used in the singular shall
include the plural, and the plural shall include the singular, as the context
may require. Words end terms not otherwise defined in this Agreement shall have
the meanings attributed to such terms in the Uniform Commercial Code:

      Agreement. The Word "Agreement" means this Commercial Security Agreement,
      as this Commercial Security Agreement may be amended or modified from time
      to time, together with all exhibits and schedules attached to this
      Commercial Security Agreement from time to time.

      Borrower. The word "Borrower" means Decorize. Inc. and includes all
      co-signers and co-makers signing this Note. The Collateral. The word
      "Collateral" means all of Grantor's right, title and interest in and to
      all the Collateral, as described in the Collateral. Description section of
      this Agreement.

      Default. The Word "Default" means the Default set forth in this Agreement
      in the section titled "Default", Environmental Laws. The words
      "Environmental Laws" mean any and all state, federal and local statutes,
      regulations and ordinances relating to the protection of human health or
      the environment, including without limitation the Comprehensive
      Environmental Response, Compensation, and. Liability Act of 1980, as
      amended, 42 U.S.C. Section 9601, et Seq. (CERCLA), the Superfund
      Amendments and Reauthorization Act of 1986, Pub. L. No. 99-499 ("SARA").
      the Hazardous Materials Transportation Act, 49 U.S.C. Section 1801, et
      seq., the Resource Conservation and Recovery Act, 42 U.S.C. Section 5901.
      et seq, or other applicable state or federal laws, rules, or regulations
      adopted pursuant thereto.

      Event of Default. The words "Event of Default" mean any of the events of
      default set forth in the Agreement in the default section of this
      Agreement.

      Grantor. The word "Grantor" means Decorize. Inc.

      Guarantor. The word "Guarantor" means any guarantor, surety, or
      accommodation party of any or all of the Indebtedness.

      Guaranty. The word "Guaranty" means the guaranty from Guarantor to Lender,
      including without limitation a guaranty of all or part of the Note.

      Hazardous Substances. The words "Hazardous Substances" mean materials
      that, because of their quantity, concentration or physical, chemical or
      infectious characteristics, may cause or pose a present or potential
      hazard to human health or the environment when improperly used, treated,
      stored, disposed of, generated, manufactured, transported or otherwise
      handled. The words "Hazardous Substances' are used in their very broadest
      sense and include without limitation any and all hazardous or toxic
      substances, materials or waste as defined by or listed under the
      Environmental Laws. The term "Hazardous Substances" also includes, without
      limitation, petroleum and petroleum by-products or any fraction thereof
      and asbestos,

      Indebtedness. The word "Indebtedness" means the indebtedness evidenced by
      the Note or Related Documents, including all principal and interest
      together with all other indebtedness and costs and expenses for which
      Borrower or Grantor or any other borrower, guarantor, pledgor, obligor or
      accommodation party is responsible under this Agreement or under any of
      the Related Documents, including any swap, option or forward obligations.

      Lender. The word "Lender" means Bank of America. N.A., its successor
      assigns.

      Note. The word "Note" means (i) a Loan Agreement dated January" 2005,
      which  provides for extensions of credit in a principal amount not
      exceeding ($4,000,000,001) (ii) any other promissory note, credit
      agreement or letter Of credit agreement now or hereafter executed by
      Borrower in favor of Lender with respect to the Indebtedness, including
      without limitation those promissory notes, credit agreements and letter of
      credit agreements described on any schedule or exhibit attached to this
      Agreement from time to time, and (iii) any renewals of, extensions of,
      modifications of, refinancings of, consolidations of, and substitutions
      for any of the foregoing.

      Property. The word "Property" means all of Grantor's right, title and
      interest in and to all the Property as described in the "Collateral
      Description" section of this Agreement.

<PAGE>

                          COMMERCIAL SECURITY AGREEMENT
                                   (Continued)

                                                                          Page 7

Related Documents. The words "Related Documents" mean all promissory notes,
credit agreements, loan agreements, environmental agreements, guaranties,
security agreements, mortgages, deeds of trust, security deeds, collateral
mortgages, and all other instruments, agreements and documents, whether now or
hereafter existing, executed in connection with the Indebtedness.

GRANTOR HAS READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS COMMERCIAL SECURITY
AGREEMENT AND AGREES TO ITS TERMS. THIS AGREEMENT IS DATED JANUARY 12, 2005.

THIS AGREEMENT IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS AGREEMENT IS AND
SHALL CONSTITUTE AND HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.
GRANTOR:
DECORIZE, INC.

DECORIZE, INC

By: /s/ Steve Crowder                         By: /s/ Brent Olson
  --------------------------------              --------------------------------
   Steve Crowder, President/CEO                  Brent Olson, Vice President
   of Decorize, Inc.                             Finance of Decorize, Inc.

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