Document:

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                                                              EXHIBIT 10 (a)(3)

                              CONSULTING AGREEMENT

DATE:    December 31, 2002

PARTIES: Peter F. Secchia                   Universal Forest Products, Inc.
         2833 Bonnell SE                   (and its affiliates and subsidiaries)
         Grand Rapids, MI 49546             2801 East Beltline NE
                                            Grand Rapids, MI 49525
        (herein the "Advisor")             (herein "UFP")

PURPOSE OF THE AGREEMENT.

         Advisor has served the Company for many years as its Senior Executive
Officer and presently serves as Chairman of the Board of Directors. Advisor's
leadership has been an important force in the success, growth and prosperity of
UFP.

         Advisor intends to retire as an officer of UFP as of December 31, 2002.
UFP wishes to continue to utilize the experience, ability and skills of Advisor
as an advisor and consultant following his retirement. Advisor has agreed to (1)
provide those services upon the terms and conditions set forth in this
Agreement, and (2) restrict his services from being provided to any competitors
of UFP.

         The Parties agree as follows:

SECTION 1. RETENTION OF ADVISOR.

         1.1 EFFECTIVE DATE. Effective January 1, 2003 (herein the "Effective
Date") and during the term Consulting Term, UFP shall retain Advisor as an
independent contractor and consultant. Advisor accepts such consulting
relationship upon the terms and conditions set forth in this Agreement.

         1.2 SERVICES. Advisor agrees to provide business leadership,
management, and investor relations consulting services, as requested by senior
management or the Board of Directors of UFP, for the exclusive benefit of UFP.
Advisor shall perform such consulting services faithfully for UFP during the
term of this Agreement. Advisor agrees to serve as Chairman of the Board of UFP,
without additional compensation, until at least December 31, 2003, and as
requested by the Board of Directors thereafter.

         1.3 PROVISION OF SERVICES. Advisor agrees to submit recommendations to
the Chief Executive Officer and Board of Directors of UFP regarding business
leadership, management, and investor relations, and such other aspects of the
business of UFP as he,

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in his professional judgment and discretion, deems appropriate. Advisor shall
also provide specific consultation and recommendations on particular issues or
areas, as submitted to him by senior management or the Board of Directors of
UFP. Advisor shall, in providing these services, exercise autonomy in
determining the means and methods of accomplishing the result. If at any time
during the Consulting Term, Advisor engages in other full time employment,
Advisor shall not be deemed to be in breach of this Agreement, but unless such
employment consists of the Advisor providing services to one or more (a)
charitable or non-profit organizations, or (b) Advisor's family-owned for profit
entities, including corporations, trusts, partnerships, or LLC's, the Consulting
Term shall terminate and UFP shall have no further obligations under this
Agreement other than with respect to its obligations under the Nondisclosure and
Non-Compete Agreement ("Non-Compete Agreement"). Notwithstanding the foregoing,
subject to the Non-Compete Agreement, during the Consulting Term, Advisor may
provide part-time services to third parties, including serving as a member of
the board of directors of any such party. For purposes of this Agreement,
full-time employment shall mean Advisor working in a position or positions,
other than with UFP, which require Advisor to devote substantially all of a
standard forty (40) hour work week.

         1.4 PERSONAL SERVICES. Advisor agrees that this Consulting Agreement is
for the personal services of the Advisor, based on his significant experience
with the industry and his forty (40) years of service to UFP. Advisor may, at
his discretion and expense, hire others to assist him in fulfilling his
obligations under this Agreement, but he may not substitute or assign his
responsibilities on this Agreement to others without the written approval of
UFP.

SECTION 2. CONSULTING FEE AND EXPENSE REIMBURSEMENT.

         2.1 CONSULTING FEE. In full satisfaction for any and all consulting
services rendered by Advisor for UFP during the Consulting Term under this
Agreement, UFP shall pay Advisor a monthly consulting fee of Sixteen Thousand
Six Hundred Sixty Seven Dollars ($16,667.00).

         2.2 INCENTIVE PAYMENT. If the Board of Directors, in its discretion,
believes the services provided by Advisor have substantially improved the
performance of UFP during the term of this Agreement, Advisor will be eligible
for an incentive payment of up to One Hundred Thousand Dollars ($100,000.00) per
year. The Board of Directors shall make an annual determination of the amount,
if any, of the incentive payment.

         2.3 OTHER COMPENSATION AND FRINGE BENEFIT. Except as set forth in
Section 3 of this Agreement, Advisor shall not receive any other payments from
UFP, nor shall Advisor or any individual with whom he contracts to assist in the
providing of services under this Agreement be eligible to participate in or
receive benefits under any UFP fringe benefit programs, including, without
limitation, disability, life insurance, and profit sharing benefits.

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SECTION 3.  NATURE OF RELATIONSHIP; EXPENSES.

         3.1 INDEPENDENT CONTRACTOR. Advisor shall be an independent contractor
and shall not be an employee, servant, agent, partner, or joint venturer of UFP,
or any of its officers, directors, or employees. Except for participation in an
executive retirement health plan, if any, provided to other retired executives
of UFP, Advisor shall not have the right to or be entitled to any of the
employee benefits of UFP except as expressly agreed in writing.

         3.2 INSURANCE AND TAXES. Advisor agrees to arrange for Advisor's own
liability, disability, and workers' compensation insurance to cover himself and
any of Advisor's employees. Advisor agrees to be responsible for Advisor's own
tax obligations accruing as a result of payments for services rendered under
this Agreement, as well as for the tax withholding obligations with respect to
Advisor's employees, if any. It is expressly understood and agreed by Advisor
that should UFP for any reason incur tax liability or charges whatsoever as a
result of not making any withholdings from payments for services under this
Agreement, Advisor will reimburse and indemnify UFP for the same.

         3.3 BUSINESS EXPENSES. Advisor shall be responsible to pay all expenses
incurred to carry out Advisor's duties under this Agreement. These expenses
include, without limitation, all office costs, including rent, telephone,
utilities, and maintenance; office equipment; travel and entertainment; business
leadership meetings; community activities; and event attendance. Advisor or
Advisor's consulting entity shall invoice UFP each month for the total of these
expenses, and UFP agrees to reimburse Advisor for such expenses in an amount not
to exceed Sixteen Thousand Six Hundred Sixty Seven Dollars ($16,667.00) per
month. UFP will report this reimbursement on Form 1099 to Advisor or Advisor's
consulting entity.

         3.4 EQUIPMENT, TOOLS, EMPLOYEES, AND OVERHEAD. Other than the expense
reimbursement provided herein, UFP shall have no obligation to provide equipment
or tools needed to provide services under this Agreement, including the salaries
of and benefits provided to any employees of Advisor. Advisor shall be
responsible for all of Advisor's overhead costs and expenses.

         3.5 USE OF COMPANY AIRCRAFT. Advisor shall be eligible to use up to
twenty five (25) flight hours per year on Company aircraft. Such use shall be
subject to priority given to Company employees and compliance with all other use
requirements. Any usage by Advisor shall be treated as income to Advisor at the
applicable IRS rates.

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SECTION 4.  TERM.

         4.1 INITIAL TERM; RENEWAL. Unless otherwise terminated pursuant to the
provisions of Section 4.2, the consulting relationship under this Agreement
shall commence on the Effective Date and continue in effect until December 31,
2007 (the "Consulting Term"). The Company's Board of Directors, at its sole
discretion, may offer an extension of this Agreement for up to two (2)
additional one (1) year periods.

         4.2 EARLY TERMINATION. The consulting relationship under this Agreement
shall be terminated upon the death or Disability of Advisor, or by written
notice from UFP that, in UFP's reasonable determination: (a) Advisor has
refused, failed, or is unable to render consulting services under this
Agreement; or (b) Advisor has breached any of Advisor's other obligations under
this Agreement or the Non-Compete Agreement. If the consulting relationship is
terminated for any of the reasons set forth in the preceding sentence, the right
of Advisor to the compensation set forth in Section 2 of this Agreement shall
cease on the date of such termination, and UFP shall have no further obligation
to Advisor under any of the provisions of this Agreement. Disability shall mean
a physical or mental injury or illness that totally and permanently renders
Advisor unable to perform all of the functions called for under this Agreement.

         4.3 EFFECT OF TERMINATION. Termination of the consulting relationship
shall not affect the provisions of the Non-Compete Agreement, which provisions
shall survive a termination of this Agreement in accordance with their terms.

SECTION 5.  DESIGNS, INVENTIONS, PATENTS AND COPYRIGHTS.

         5.1 INTELLECTUAL PROPERTY. Advisor and UFP shall agree, at the outset
of any project, as to the scope of the project and Advisor's role therein (the
"Project Scope"). Advisor shall promptly disclose, grant, and assign to UFP for
its sole use and benefit any and all designs, inventions, improvements,
technical information, know-how and technology, and suggestions within the
Project Scope relating in any way to the products of UFP or capable of
beneficial use by customers to whom products or services of UFP are sold or
provided, that Advisor may conceive, develop, or acquire while consulting with
UFP (whether or not during usual working hours), together with all copyrights,
trademarks, design patents, patents, and applications for copyrights,
trademarks, divisions of pending patent applications, applications for reissue
of patents and specific assignments of such applications that may at any time be
granted for or upon any such designs, inventions, improvements, technical
information, know-how, or technology (Intellectual Property).

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         5.2 ASSIGNMENTS AND ASSISTANCE. In connection with the rights of UFP to
the Intellectual Property, Advisor shall promptly execute and deliver such
applications, assignments, descriptions, and other instruments as may be
necessary or proper in the opinion of UFP to vest in UFP title to the
Intellectual Property and to enable UFP to obtain and maintain the entire right
and title to the Intellectual Property throughout the world. Advisor shall also
render to UFP, at UFP's expense, such assistance as UFP may require in the
prosecution of applications for said patents or reissues thereof, in the
prosecution or defense of interferences which may be declared involving any of
said applications or patents, and in any litigation in which UFP may be involved
relating to the Intellectual Property.

         5.3 COPYRIGHTS. Advisor agrees to, and hereby grants to UFP, title to
all copyrightable material first designed, produced, or composed in the course
of or pursuant to the performance of work under this Agreement, which material
shall be deemed "works made for hire" under Title 17, United States Code,
Section 1.01 of the Copyright Act of 1976. Advisor hereby grants to UFP a
royalty-free, nonexclusive, and irrevocable license to reproduce, translate,
publish, use, and dispose of, and to authorize others so to do, any and all
copyrighted or copyrightable material created by Advisor as a result of work
performed under this Agreement but not first produced or composed by Advisor in
the performance of this Agreement, provided that the license granted by this
paragraph shall be only to the extent Advisor now has, or prior to the
completion of work under this Agreement or under any later agreements with UFP
relating to similar work may acquire, the right to grant such licenses without
UFP becoming liable to pay compensation to others solely because of such grant.

SECTION 6.  REMEDIES.

         Advisor acknowledges and agrees that UFP's remedy at law for a breach
or threatened breach of any of the provisions of Section 5 of this Agreement
would be inadequate and, in recognition of this fact, in the event of a breach
or threatened breach by Advisor of any of the provisions of Section 5, Advisor
agrees that, in addition to its remedies at law, at UFP's option, all rights of
Advisor, and obligations of UFP, under this Agreement may be terminated. UFP
shall be entitled to equitable relief in the form of specific performance,
temporary restraining order, temporary or permanent injunction, or any other
equitable remedy that may then be available. UFP shall not be required to post
bond, and Advisor agrees not to oppose UFP's request for equitable relief.
Advisor acknowledges that the granting of a temporary injunction, temporary
restraining order or permanent injunction merely prohibiting the use of
Proprietary Information would not be an adequate remedy upon breach or
threatened breach of Section 5, and consequently agrees upon any such breach or
threatened breach to the granting of injunctive relief prohibiting the design,
development, manufacture, marketing or sale of products and providing of
services of the kind designed, developed, manufactured, marketed, sold or

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provided by UFP or its subsidiaries during the term of Advisor's relationship
with UFP. Nothing contained in this Section 6 shall be construed as prohibiting
UFP from pursuing, in addition, any other remedies available to it for such
breach or threatened breach.

SECTION 7.  MISCELLANEOUS PROVISIONS.

         7.1 ASSIGNMENT. This Agreement shall not be assignable by either party,
except by UFP to any subsidiary or affiliate of UFP (now or hereafter existing)
or to any successor in interest to UFP's business, provided that in the case of
assignment to an affiliate or subsidiary, UFP shall remain liable as a guarantor
for any payments due to Advisor hereunder.

         7.2 BINDING EFFECT. The provisions of this Agreement shall be binding
upon and inure to the benefit of the heirs, personal representatives,
successors, and assigns of the parties.

         7.3 NOTICE. Any notice or other communication required or permitted to
be given under this Agreement shall be in writing and shall be mailed by
certified mail, return receipt requested, postage prepaid, addressed to the
parties at the address stated on the first page of this Agreement. The address
of a party to which notices or other communications shall be mailed may be
changed from time to time by giving written notice to the other party.

         7.4 LITIGATION EXPENSE. In the event of a default under this Agreement,
the defaulting party shall reimburse the non-defaulting party for all costs and
expenses reasonably incurred by the non-defaulting party in connection with the
default, including without limitation reasonable attorney's fees. The
non-defaulting party may seek reimbursement in a court of competent
jurisdiction. Additionally, in the event a suit or action is filed to enforce
this Agreement or with respect to this Agreement, the prevailing party or
parties shall be reimbursed by the other party for all costs and expenses
incurred in connection with the suit or action, including without limitation
reasonable attorney's fees at the trial level and on appeal.

         7.5 WAIVER. No waiver of any provision of this Agreement shall be
deemed, or shall constitute, a waiver of any other provision, whether or not
similar, nor shall any waiver constitute a continuing waiver. No waiver shall be
binding unless executed in writing by the party making the waiver.

         7.6 APPLICABLE LAW. This Agreement shall be governed by and shall be
construed in accordance with the laws of the State of Michigan.

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         7.7 ENTIRE AGREEMENT. This Agreement constitutes the entire Agreement
between the parties pertaining to its subject matter, and it supersedes all
prior contemporaneous agreements, representations, and understandings of the
parties. No supplement, modification, or amendment of this Agreement shall be
binding unless executed in writing by all parties.

                                             UNIVERSAL FOREST PRODUCTS, INC.:

                                             By:
                                                -------------------------------

                                             By:
                                                -------------------------------

                                             ADVISOR:

                                             ----------------------------------
                                             Peter F. Secchia

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<PAGE>

                                   ASSIGNMENT

         THIS ASSIGNMENT effective this 1st day of January, 2003, between
SIBSCO, LLC, 220 Lyon Street NW, Suite 510, Grand Rapids, MI 49503 ("Assignee"),
Peter F. Secchia, 2833 Bonnell SE, Grand Rapids, MI 49506 ("Assignor"), and
Universal Forest Products, Inc., 2801 East Beltline NE, Grand Rapids, MI 49525
("Company").

                                    Recitals

         WHEREAS, on December 31, 2002, Assignor and Company entered into a
Consulting Agreement ("Agreement"), attached hereto as Exhibit "A," which is
incorporated herein by reference. Assignor desires to assign and transfer the
Agreement to Assignee, subject to Company approval; and

         WHEREAS, Assignee desires to accept said transfer upon the terms and
conditions hereinafter set forth.

IT IS AGREED:

         1. Assignment. Assignor hereby sells, assigns, and transfers to
Assignee all of Assignor's right, title, and interest to and under the
Agreement. The assignment shall be effective January 1, 2003, herein the
"Effective Date."

         2. Acceptance and Indemnification. Assignee hereby accepts the
foregoing assignment and transfer, and promises to faithfully perform all
covenants, stipulations, agreements, and obligations under the Agreement
accruing on and after the Effective Date, or otherwise attributable to the
period commencing on said date and continuing thereafter, and Assignor shall be
responsible for the period thereto. Assignee shall indemnify and save Assignor
harmless from any and all claims, demands, actions, causes of action, suits,
proceedings, damages, liabilities, and costs and expenses of every nature
whatsoever which relate to the Agreement arising on or after the Effective Date.
Assignor shall indemnify and save Assignee harmless from any and all claims,
demands, actions, causes of action, suits, proceedings, damages, liabilities,
and costs and expenses of every nature whatsoever which relate to the Agreement
arising prior to the Effective Date.

         3. Modification of Agreement. Other than as expressly provided herein,
Company and Assignor may not change, modify, or amend the Agreement in any way.

         4. Consent of Company. Company hereby consents, as of the Effective
Date, to the assignment of the Agreement by Assignor to Assignee, provided that
Assignor must remain the managing principal of Assignee throughout the term of
the Agreement. The Company hereby consents to a re-assignment, if desired, by
Assignee back to Assignor

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during the term of the Agreement. The Agreement terms regarding the death or
disability of Assignor shall survive the assignment.

         5. Acceptance of Agreement. Assignee hereby accepts the Agreement.

         6. Binding Effect. This Assignment shall be binding upon the successors
and assigns of the parties. The parties shall execute and deliver such further
and additional instruments, agreements, and other documents as may be necessary
to evidence or carry out the provisions of this Assignment.

         7. Non-Waiver. No delay or failure by either party to exercise any
right under this Assignment, and no partial or single exercise of that right,
shall constitute a waiver of that or any other right, unless otherwise expressly
provided herein.

         8. Governing Law. This Assignment shall be construed in accordance with
and governed by the laws of the State of Michigan.

         9. Counterparts. This Assignment may be executed in two or more
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument.

         10. Amendments. This Assignment may not be amended, modified, or
terminated except by instrument, in writing, executed by the parties hereto.

SIBSCO, LLC (Assignee)                      Peter F. Secchia (Assignor)

By:
     -------------------------------        ------------------------------------

Its:
     -------------------------------

Universal Forest Products, Inc. (Company)

By:
    --------------------------------

Its:
     -------------------------------<PAGE>
                                                              EXHIBIT 10 (a)(4)

                     NONDISCLOSURE AND NON-COMPETE AGREEMENT

This Agreement is entered into as of the 31st day of December, 2002 by and
between Universal Forest Products, Inc., and its affiliates and subsidiaries,
2801 East Beltline NE, Grand Rapids, MI 49525 (herein "UFP"), and Peter F.
Secchia, an individual, of 2833 Bonnell SE, Grand Rapids, MI 49546 (herein
"Secchia").

                                    RECITALS

A.       Secchia intends to retire as an officer of UFP as of December 31, 2002.
         UFP wishes to restrict his services from being provided to any
         competitors of UFP.

The Parties agree as follows:

SECTION 1. DISCLOSURE OF INFORMATION.

         Secchia acknowledges that UFP's trade secrets, private or secret
processes as they exist from time to time, and information concerning customers
and their identity, products, developments, manufacturing techniques, new
product plans, equipment, inventions, discoveries, patent applications, ideas,
designs, engineering drawings, sketches, renderings, other drawings,
manufacturing and test data, computer programs, progress reports, materials,
costs, specifications, processes, methods, research, procurement and sales
activities and procedures, promotion and pricing techniques, and credit and
financial data concerning customers of UFP, as well as information relating to
the management, operation, or planning of UFP, herein the ("Proprietary
Information") are valuable, special, and unique assets of UFP, access to and
knowledge of which may be essential to the performance of Secchia's duties under
this Agreement. In light of the highly competitive nature of the industries in
which UFP conducts businesses, Secchia agrees that all Proprietary Information
obtained by Secchia as a result of its relationship with UFP shall be considered
confidential. In recognition of this fact, Secchia agrees that except as may be
necessary for UFP's benefit, in Secchia's reasonable judgment, Secchia will not,
during and after the Non-Compete Period, disclose any of such Proprietary
Information to any person or entity for any reason or purpose whatsoever without
the written consent of UFP, and Secchia will not make use of any Proprietary
Information for Secchia's own purposes or for the benefit of any other person or
entity (except UFP) under any circumstances.

SECTION 2. NON-COMPETITION AGREEMENT.

         In order to further protect the confidentiality of the Proprietary
Information and in recognition of the highly competitive nature of the
industries in which UFP conducts its businesses, and for the consideration set
forth herein, Secchia further agrees that during and for the period commencing
on January 1, 2003 and ending on December 31, 2009 (the "Non-Compete Period"):

<PAGE>

         2.1 Secchia will not directly or indirectly engage in any Business
Activities (hereinafter defined), other than on behalf of UFP, whether such
engagement is as an officer, director, proprietor, employee, partner, investor
(other than as a holder of less than 1% of the outstanding capital stock of a
publicly-traded corporation), advisor, agent, or other participant, in any
geographic area in which the products or services of UFP have been distributed
or provided during the period of Secchia's consulting relationship with UFP. For
purposes of this Agreement, the term "Business Activities" shall mean the
design, development, manufacture, sale, marketing, or servicing of UFP's
products, together with all other activities engaged in by UFP or any of its
subsidiaries at any time during Secchia's relationship with UFP, and activities
in any way related to activities with respect to which Secchia renders
consulting services under this Agreement.

         2.2 Secchia will not directly or indirectly engage in any of the
Business Activities (other than on behalf of UFP) by supplying products or
providing services to any customer with whom UFP has done any business during
the consulting relationship with UFP, whether such engagement is as an officer,
director, proprietor, employee, partner, investor (other than as a holder of
less than one percent (1%) of the outstanding capital stock of a publicly traded
corporation), advisor, agent, or other participant.

         2.3 ASSISTANCE TO OTHERS. Secchia will not directly or indirectly
assist others in engaging in any of the Business Activities in any manner
prohibited to Secchia under this Agreement.

         2.4 UFP'S EMPLOYEES. Secchia will not directly or indirectly induce
employees of UFP to engage in any activity hereby prohibited to Secchia or to
terminate their employment with UFP.

         2.5 NON-COMPETE PAYMENTS. In exchange for Secchia's agreements and
obligations under this Section 2, Secchia will receive a payment of Twelve
Thousand Five Hundred Dollars ($12,500.00) per month for the term of the
Non-Compete Period, subject to earlier termination upon the death or Disability
of Secchia. Disability shall mean a physical or mental injury or illness that
totally and permanently renders Secchia unable to perform all of the functions
called for under this Agreement.

SECTION 3. INTERPRETATION.

         Although Secchia and UFP consider the restrictions contained in
Sections 1 and 2 of this Agreement reasonable for the purpose of preserving the
goodwill, proprietary rights, and going concern value of UFP, if a final
judicial determination is made by a

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court having jurisdiction that the time or territory or any other restriction
contained in Section 2 is an unenforceable restriction on the activities of
Secchia, the provisions of such restriction shall not be rendered void but shall
be deemed amended to apply as to such maximum time and territory and to such
other extent as such court may judicially determine or indicate to be
reasonable. Alternatively, if the court referred to above finds that any
restriction contained in Section 2 or any remedy provided in Section 4 of this
Agreement is unenforceable, and such restriction or remedy cannot be amended so
as to make it enforceable, such finding shall not affect the enforceability of
any of the other restrictions contained in this Agreement or the availability of
any other remedy. The provisions of Sections 1 and 2 shall in no respect limit
or otherwise affect the obligations of Secchia under other agreements with UFP.

SECTION 4. REMEDIES.

         Secchia acknowledges and agrees that UFP's remedy at law for a breach
or threatened breach of any of the provisions of Sections 1 and 2 of this
Agreement would be inadequate and, in recognition of this fact, in the event of
a breach or threatened breach by Secchia of any of the provisions of Sections 1
and 2, Secchia agrees that, in addition to its remedies at law, at UFP's option,
all rights of Secchia, and obligations of UFP, under this Agreement may be
terminated. UFP shall be entitled to equitable relief in the form of specific
performance, temporary restraining order, temporary or permanent injunction, or
any other equitable remedy which may then be available. UFP shall not be
required to post bond, and Secchia agrees not to oppose UFP's request for
equitable relief. Secchia acknowledges that the granting of a temporary
injunction, temporary restraining order or permanent injunction merely
prohibiting the use of Proprietary Information would not be an adequate remedy
upon breach or threatened breach of Sections 1 and 2, and consequently agrees
upon any such breach or threatened breach to the granting of injunctive relief
prohibiting the design, development, manufacture, marketing or sale of products
and providing of services of the kind designed, developed, manufactured,
marketed, sold or provided by UFP or its subsidiaries during the term of
Secchia's relationship with UFP. Nothing contained in this Section 4 shall be
construed as prohibiting UFP from pursuing, in addition, any other remedies
available to it for such breach or threatened breach.

SECTION 5. MISCELLANEOUS PROVISIONS.

         5.1 ASSIGNMENT. This Agreement shall not be assignable by either party,
except by UFP to any subsidiary or affiliate of UFP (now or hereafter existing)
or to any successor in interest to UFP's business, provided that in the case of
an assignment to an affiliate or subsidiary, UFP shall remain liable as a
guarantor for payments due to Secchia hereunder.

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<PAGE>

         5.2 BINDING EFFECT. The provisions of this Agreement shall be binding
upon and inure to the benefit of the heirs, personal representatives,
successors, and assigns of the parties.

         5.3 NOTICE. Any notice or other communication required or permitted to
be given under this Agreement shall be in writing and shall be mailed by
certified mail, return receipt requested, postage prepaid, addressed to the
parties at the address stated on the first page of this Agreement. The address
of a party to which notices or other communications shall be mailed may be
changed from time to time by giving written notice to the other party.

         5.4 LITIGATION EXPENSE. In the event of a default under this Agreement,
the defaulting party shall reimburse the non-defaulting party for all costs and
expenses reasonably incurred by the non-defaulting party in connection with the
default, including without limitation reasonable attorney's fees. The
non-defaulting party may seek reimbursement in a court of competent
jurisdiction. Additionally, in the event a suit or action is filed to enforce
this Agreement or with respect to this Agreement, the prevailing party or
parties shall be reimbursed by the other party for all costs and expenses
incurred in connection with the suit or action, including without limitation
reasonable attorney's fees at the trial level and on appeal.

         5.5 WAIVER. No waiver of any provision of this Agreement shall be
deemed, or shall constitute, a waiver of any other provision, whether or not
similar, nor shall any waiver constitute a continuing waiver. No waiver shall be
binding unless executed in writing by the party making the waiver.

         5.6 APPLICABLE LAW. This Agreement shall be governed by and shall be
construed in accordance with the laws of the State of Michigan.

         5.7 ENTIRE AGREEMENT. This Agreement constitutes the entire Agreement
between the parties pertaining to its subject matter, and it supersedes all
prior contemporaneous agreements, representations, and understandings of the
parties. No supplement, modification, or amendment of this Agreement shall be
binding unless executed in writing by all parties.

[SIGNATURES ON FOLLOWING PAGE.]

                                       4
<PAGE>

                                              UNIVERSAL FOREST PRODUCTS, INC.:

                                              By:
                                                 -----------------------------

                                              Its:
                                                 -----------------------------

                                              --------------------------------
                                              Peter F. Secchia

                                       5

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