Document:

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                                  EXHIBIT 10.18

                                    YEAR 2003

                                     ANNUAL
                              MANAGEMENT INCENTIVE
                                     PROGRAM

                                 USG CORPORATION

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                                     PURPOSE

To enhance USG Corporation's ability to attract, motivate, reward and retain key
employees of the Corporation and its operating subsidiaries and to align
management's interests with those of the Corporation's stockholders by providing
incentive award opportunities to managers who make a measurable contribution to
the Corporation's business objectives.

                                  INTRODUCTION

This Annual Management Incentive Program (the "Program") is in effect from
January 1, 2003 through December 31, 2003.

                                   ELIGIBILITY

Individuals eligible for participation in this Program are those officers and
other key employees occupying management positions in Broadband 11 or higher.
Employees who participate in any other annual incentive program of the
Corporation or any of its subsidiaries are not eligible to participate in this
Program but could be considered for special awards.

                                      GOALS

For the 2003 Annual Management Incentive Program, Consolidated Net Earnings and
consolidated, subsidiary and profit center Strategic Focus Targets will be
determined by the Compensation and Organization Committee of the USG Board of
Directors (the "Committee") after considering recommendations submitted from
management of USG Corporation and the Operating Subsidiaries.

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                                  AWARD VALUES

For the Annual Management Incentive Program, position target incentive values
are based on level of accountability and are expressed as a percent of approved
annualized salary. Resulting award opportunities represent a fully competitive
incentive opportunity for 100% (target) achievement of goals:

<TABLE>
<CAPTION>
                               POSITION TITLE OR
                            SALARY REFERENCE POINT                                   POSITION TARGET INCENTIVE
--------------------------------------------------------------------------------------------------------------
<S>                                                                                  <C>
-    Chairman & CEO, USG Corporation                                                            70%
--------------------------------------------------------------------------------------------------------------
-    Executive Vice President & Chief Financial Officer, USG Corporation                        50%

-    Senior Vice President, USG Corporation & President Building Systems

-    Senior Vice President Marketing & Corporate Strategy, USG Corporation and
      President International

-    Senior Vice President & General Counsel, USG Corporation

-    Senior Vice President Financial Operations, USG Corporation

--------------------------------------------------------------------------------------------------------------

-    Vice President Human Resources, USG Corporation                                            45%

-    Vice President Communications, USG Corporation

--------------------------------------------------------------------------------------------------------------

-    Vice President, USG Corporation & President & COO, L & W Supply Corp.                      40%

-    Vice President Research & Technology, USG Corporation

-    Vice President & Chief Information Officer, USG Corporation

-    Vice President & Controller, USG Corporation

-    Vice President International & Technology, USG Corporation

-    Vice President & Treasurer, USG Corporation

-    Vice President Comp., Benefits & Admin., USG Corporation

-    Corporate Secretary & Associate General Counsel, USG Corporation

--------------------------------------------------------------------------------------------------------------

-    Position Reference Point: $172,500 and over                                                35%

-    Position Reference Point: $158,460 - $172,499                                              30%

-    Position Reference Point: $144,480 - $158,459                                              25%

-    Position Reference Point: $129,720 - $144,479                                              20%

-    Position Reference Point: $115,560 - $129,719                                              15%

-    Position Reference Point: $101,760 - $115,559                                              10%
--------------------------------------------------------------------------------------------------------------
</TABLE>

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     AWARDS

     Incentive awards for all participants in the 2003 Annual Management
     Incentive Program will be reviewed and approved by the Committee. For all
     participants, the annual incentive award par opportunity is the annualized
     salary in effect at the beginning of the calendar year (March 1, 2003 of
     the calendar year for the sixteen most senior executives) multiplied by the
     applicable position target incentive value percent.

     Incentive awards for 2003 will be based on a combination of the following
     elements:

I.   CONSOLIDATED NET EARNINGS 50% OF INCENTIVE

     Consolidated Net Earnings will be as reported on the Corporation's year-end
     financial statements with adjustments for significant non-operational
     charges. Such adjustments have in the past been for Fresh Start Accounting,
     asbestos, restructuring charges, bankruptcy expenses and the cumulative
     impact of new accounting pronouncements (goodwill impairment). For 2003,
     likely adjustments would include bankruptcy expenses and FAS #143. For all
     participants, this portion of the award represents 50% of the incentive
     par. This portion of the award will be paid from a pool funded by
     Consolidated Net Earnings results according to the following schedule:

      $0 to $50 Million Net Earnings       2.50% of this tier will fund the pool

      $51 to $150 Million Net Earnings     2.25% of this tier will fund the pool

      $151 to $400 Million Net Earnings    1.75% of this tier will fund the pool

      $401 Million and above               1.00% of this tier will fund the pool

     Each tier of earnings is calculated separately and added together to
     determine the total pool. This amount is then divided by the total plan par
     (sum of each individual participant's Net Earnings par, or 50% of each
     participant's total par). The factor derived from this method is then
     applied to each participant's Net Earnings par to determine the individual
     award for this segment. There is no maximum award in this segment.

II.  STRATEGIC FOCUS TARGETS: 50% OF INCENTIVE

     Strategic Focus Targets will be measurable, verifiable and derived from the
     formal strategic planning process . For 2003, Strategic Focus Targets will
     include Overhead Reduction, Working Capital Reduction, Cost Reduction,
     Customer Satisfaction and Business Unit Operating Profit. The award
     adjustment factor for this segment will range from 0.5 (after achieving a
     minimum threshold performance level) to 2.0 for maximum attainment. The
     weighting on any individual Strategic Focus Target will be in 5% increments
     and not be less than 10%. The weighting of all assigned Strategic Focus
     Targets will equal 50% of the individual's total par.

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                         WEIGHTINGS OF PROGRAM ELEMENTS

     All participants in this Program, including the sixteen most senior
     executives, will have the same overall weightings, 50% on Consolidated Net
     Earnings and 50% on Strategic Focus Targets.

                                 SPECIAL AWARDS

     In addition to the incentive opportunity provided by this Program, a
     special award may be recommended for any participant or non-participant,
     other than a Corporation Officer, who has made an extraordinary
     contribution to the Corporation's welfare or earnings.

                               GENERAL PROVISIONS

     1.   The Compensation and Organization Committee of the USG Board of
          Directors reserves the right to adjust award amounts either up or down
          based on its assessment of the Corporation's overall performance
          relative to market conditions.

     2.   The Committee shall review and approve the awards recommended for
          officers and other employees who are eligible participants in the 2003
          Annual Management Incentive Program. The Committee shall submit to the
          Board of Directors, for their ratification, a report of the awards for
          all eligible participants including corporate officers approved by the
          Committee in accordance with the provisions of the Program.

     3.   The Committee shall have full power to make the rules and regulations
          with respect to the determination of achievement of goals and the
          distribution of awards. No awards will be made until the Committee has
          certified financial achievements and applicable awards in writing.

     4.   The judgement of the Committee in construing this Program or any
          provisions thereof, or in making any decision hereunder, shall be
          final and conclusive and binding upon all employees of the Corporation
          and its subsidiaries whether or not selected as beneficiaries
          hereunder, and their heirs, executors, personal representatives and
          assignees.

     5.   Nothing herein contained shall limit or affect in any manner or degree
          the normal and usual powers of management, exercised by the officers
          and the Board of Directors or committees thereof, to change the duties
          or the character of employment of any employee of the Corporation or
          to remove the individual from the employment of the Corporation at any
          time, all of which rights and powers are expressly reserved.

     6.   The awards made to employees shall become a liability of the
          Corporation or the appropriate subsidiary as of December 31, 2003 and
          all payments to be made hereunder will be made as soon as practicable
          after said awards have been approved by the Committee.

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                            ADMINISTRATIVE GUIDELINES

     1.   Award values will be based on annualized salary in effect for each
          qualifying participant at the beginning of the year (March 1, 2003 for
          the sixteen most senior executives). Any change in duties, dimensions
          or responsibilities of a current position resulting in an increase or
          decrease in salary range reference point or market rate will result in
          pro-rata incentive award. Respective reference points, target
          incentive values or goals will be applied based on the actual number
          of full months of service at each position.

     2.   As provided by the Program, no award is to be paid to any participant
          who is not a regular full-time employee, (or a part time employee as
          approved by the Vice President Human Resources, USG Corporation) in
          good standing at the end of the calendar year to which the award
          applies. However, if an eligible participant with three (3) or more
          months of active service in the Program year subsequently retires,
          becomes disabled, dies, is discharged from the employment of the
          Company without cause, or is on an approved unpaid leave, the
          participant (or beneficiary) may be recommended for an award which
          would otherwise be payable based on goal achievement, prorated for the
          actual months of active service during the year.

     3.   Employees participating in any other incentive or bonus program of the
          Corporation or a Subsidiary who are transferred during the year to a
          position covered by the Annual Management Incentive Program will be
          eligible to receive a potential award prorated for actual full months
          of service in the two positions with the respective incentive program
          and target incentive values to apply. For example, a Marketing Manager
          promoted to Director, Marketing on August 1, will be eligible to
          receive a pro-rata award for seven months based on the Marketing
          Manager Plan provisions and values, and for five months under the
          Annual Management Incentive Program provisions and target incentive
          values.

     4.   In the event of transfer of an employee from an assignment which does
          not qualify for participation in any incentive or bonus plan to a
          position covered by the Annual Management Incentive Program, the
          employee is eligible to participate in the Annual Management Incentive
          Program with any potential award prorated for the actual months of
          service in the position covered by the Program during the year. A
          minimum of three months of service in the eligible position is
          required.

     5.   Participation during the current Program year for individuals employed
          from outside the Corporation is possible with any award to be prorated
          for actual full months of service in the eligible position. A minimum
          of three full months of eligible service is required for award
          consideration.

     6.   Exceptions to established administrative guidelines can only be made
          by the Committee.

                                       93<PAGE>
                                                                    Exhibit 10.1

                         CONSULTING SERVICING AGREEMENT

         This Consulting Servicing Agreement ("Agreement") is entered into by
and between COLLINS GROWTH & INCOME FUND, LLC, a Delaware limited liability
company (`Client"), and COLLINS FINANCIAL SERVICES, INC., a Texas corporation
("Consultant"), and is effective as of the effectiveness of the registration
statement ("Registration Statement") on Form SB-2 filed with the Securities and
Exchange Commission by Client.

                                    RECITALS

         WHEREAS, Client intends to purchase defaulted and charged-off consumer
receivables ("Receivables") and subsequently collect and resell such
Receivables;

         WHEREAS, Client desires to retain Consultant to render advice
regarding, and to assist in implementing, Client's business plan (such plan, in
the initial form included in the Registration Statement attached as Exhibit A
hereto and the Initial Business Plan Summary attached as Exhibit B hereto and as
hereafter amended, revised or replaced pursuant to this Agreement, being
referred to herein, collectively as the "Business Plan") for buying, collecting,
and reselling Receivables;

         NOW, THEREFORE, in consideration of the mutual covenants, conditions,
promises and other good and valuable consideration set forth herein, the receipt
and sufficiency of which is hereby acknowledged, the parties hereto agree as
follows:

                              TERMS AND CONDITIONS

1.       SERVICES.

         (a) Subject to the terms and conditions of this Agreement, Client
hereby engages Consultant, and Consultant agrees to render, the services
described with respect to Consultant in the Business Plan (collectively
"Services"). From time to time, Client may submit to Consultant a written
proposal ("Proposal") amending or revising in whole or in part the Business Plan
then in effect as Client shall deem to be advisable to achieve its profitability
objectives and goals: provided, however, without Consultant's express written
consent no such Proposal shall (i) impair or adversely affect the compensation
for Services under this Agreement to Consultant or its Affiliates, (ii) modify
any provision of Sections 1, 5 or 6 of this Agreement, or (iii) become effective
until the thirtieth day after Consultant's receipt of same.

         (b) It is agreed that Client and Consultant shall cooperate as
necessary for Client to open an account ("Account") with a mutually agreeable
financial institution pursuant to which Client will, from time to time, deposit
money, and Consultant will be entitled to make withdrawals and deposits to be
used in accordance with the objectives and terms of this Agreement.

         (c) Consultant may contract with others, including Affiliates of
Consultant, for providing Services hereunder, but the aggregate of all fees for
all such services shall not exceed the fees provided for herein. The assets
purchased with funds from Client's Account shall be carried in the name of
Client or, if in the name of Consultant or any of its Affiliates, recorded to
indicate that they are owned by Client.

         (d) Client must approve any (i) sales of portfolios of Receivables with
a sales price of $250,000 or greater, and (ii) acquisitions of portfolios of
Receivables with a purchase price greater than $150,000. Client's approval shall
be indicated by Client in writing or by Client's failure to object to

<PAGE>

Consultant within two business days after being notified of such planned
transaction.

         (e) Consultant agrees and shall assure that Consultant and any of its
Affiliates utilized by Consultant to perform this Agreement shall be fully
licensed as required by law to perform collection services and shall perform
such services at a level equal to or exceeding prevailing industry standards.

2.       COMPENSATION OF CONSULTANT.

          In consideration for the Services, Client shall pay to Consultant or
its designated Affiliates, fees in accordance with the following:

         (a) An "Acquisition Fee" in an amount deemed by Consultant to be
appropriate, but in no event to exceed 5% of the purchase price of Receivables
acquired for Client's Account paid simultaneously with the acquisition of such
Receivables.

         (b) A "Sales Fee" in an amount up to 20% of the gross proceeds received
for Client's Account (whether paid in cash or property other than cash) from or
with respect to the sale, on a retail or wholesale basis, of Receivables from
Client's Account, payable immediately upon receipt of such proceeds on behalf of
Client's Account.

         (c) A "Collections Fee" in an amount equal to 50% of the gross proceeds
received for Client's Account (whether paid in cash or property other than cash)
resulting from efforts to collect the Receivables owned by Client's Account
other than as a result of third party collection efforts. The Collections Fee
shall be payable immediately upon receipt of such gross proceeds.

Consultant shall be entitled to withdraw from, or withhold from depositing into,
the Account each of the foregoing fees at any time after such fee becomes
payable. Any fees based on gross proceeds deposited into the Account will be
calculated as if the fees were deposited and then withdrawn from the Account.

3.       RECORDS AND REPORTS.

         (a) Consultant shall keep reasonable and appropriate records of all of
the transactions effected by Consultant for Client's account. Client shall be
entitled to review at its expense such records at Consultant's offices during
regular work hours, or as otherwise agreed to by the parties, after the
expiration of three (3) business days after Consultant is notified of such
desired review, or such shorter period as the parties shall otherwise agree.

         (b) Consultant shall furnish monthly reports to Client in such
reasonable form and with reasonable information as the parties shall mutually
agree.

4.       WITHDRAWAL RIGHTS.

         The parties acknowledge and agree that in order for Consultant to
provide appropriate services for transactions in Client's Account, Client must
not have the unlimited ability to withdraw funds from the Account. However, the
parties also acknowledge and agree that from time to time, Client may have the
business necessity to withdraw funds from the Account. Therefore, funds may be
withdrawn from the Account under the following terms and conditions:

         During any six month period of the term of the Account, Client may
         withdraw up to 10% of the aggregate amount of money that has been
         deposited by Client in said Account in accordance with the following
         procedures. Client shall notify Consultant of the amount of money it
         desires to withdraw from the Account. Consultant shall have 60 days
         after

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         receipt of said notice to liquidate assets in the Account as
         appropriate in order to fund said withdrawal needs. Client may withdraw
         such liquidation funds from the Account subject to the above
         limitations.

5.       TERM AND TERMINATION. This Agreement shall remain in effect until
the dissolution of Client under Delaware law; however, it may be terminated by
Client, without cause, for any reason, commencing three years after the
effective date of this Agreement, upon 90 days written notice of such
termination to Consultant. Any such termination before the expiration of the
general four-year term shall be effective at the Effective Date of Termination
as defined below. The "Effective Date of Termination" means the earlier to occur
of the expiration of nine months after delivery of the above termination notice
or the completion of the liquidation of the Account and distribution to Client
of the net cash proceeds less any Compensation (collectively "Net Cash
Proceeds"). Upon delivery of the termination notice, Consultant shall deliver to
Client all of the cash funds (less any Compensation), if any, held by Consultant
on behalf of Client at that time, and Consultant shall either (i) distribute the
Account assets to Client, or (ii) carry out and complete plans and actions to
liquidate the Receivables in Client's Account on or before the Effective Date of
Termination and, to the extent commercially reasonable, to avoid undue loss. The
Net Cash Proceeds thereof shall be returned to Client as such proceeds are
received for Client's Account.

This Agreement shall be in effect until the Effective Date of Termination.
Notwithstanding any contrary provision, all payment obligations of Client
accruing prior to the Effective Date of Termination shall survive such
termination, and Consultant may withhold all amounts due it hereunder from any
payments to Client.

6.       MISCELLANEOUS.

         (a) The parties agree that there are no third party beneficiaries to
this Agreement. The terms "Affiliate" or "Affiliated," as used to indicate a
relationship to a specified person or entity, mean any person or entity that,
directly or indirectly or through one or more intermediaries, controls, is
controlled by or is under common control with, such person or entity. Unless
otherwise expressly provided, the word "including" and all variants thereof do
not limit the preceding words or terms.

         (b) As promulgated under Client's Limited Liability Company Agreement,
attached hereto as Exhibit C, upon liquidation, Consultant, as Manager Member of
Client, shall be entitled to certain distributions in accordance with Section
5.4 of the Limited Liability Company Agreement.

         (c) The parties hereby agree that electronic mail shall be deemed to be
a writing signed by the person electronically indicated as the sender of such
e-mail, Any notice or communication required or permitted to be given hereunder
shall be made in writing and shall be deemed to have been given to the intended
recipient upon (i) hand delivery, (ii) actual or attempted delivery to such
parry's address according to evidence of delivery by a recognized independent
courier service, (iii) electronic facsimile transmission, when the appropriate
number and answerback are transmitted, or (iv) electronic confirmation of
electronic mail delivery, in each case at the address, telecopy number or e-mail
address set forth below:

            Client:                         Collins Growth and Income Fund, LLC
                                            2101 W. Ben White Blvd., Suite 103,
                                            Austin, Texas 78704
                                            E-mail: gwood@cfsi.net
                                            Fax: (512)347-1501

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            Consultant:                     Collins Financial Services, Inc.
                                            2101 W. Ben White Blvd., Suite 103
                                            Austin, TX 78704
                                            E-mail: Collins@cfsi.net
                                            Fax: (512)347-1501

Either party may designate a different address by notice to the other given in
accordance herewith.

         (d) This Agreement and the exhibits attached hereto constitute the
entire agreement among the parties with respect to the subject matter hereof,
and may be amended only by a written amendment executed by the parties hereto.
The Business Plan attached hereto is incorporated herein by reference and,
contemporaneously with its effectiveness under this Agreement, any amendment,
revision or replacement thereof pursuant to this Agreement shall be incorporated
by reference in this Agreement. The provisions of this Agreement supplement and,
to the extent of any conflict, control the provisions of the Business Plan.

         (e) This Agreement shall inure to the benefit of and be binding upon
the parties hereto and their respective heirs, executors, administrators,
successors and assigns. This Agreement may be executed in any number of
counterparts with the same effect as if all of the parties had signed the same
document; all counterparts shall be construed together and shall constitute one
agreement.

         (f) If any provision of this Agreement shall be held or made invalid by
a court decision statute rule or otherwise, the remainder of this Agreement
shall not be affected thereby, and such remainder shall remain in effect,

         (g) This Agreement shall be construed in accordance with the laws of
the State of Texas without reference to its conflicts of laws principles. If any
action or proceeding is necessary to enforce the provisions of this Agreement,
including any claim or demand, or to interpret this Agreement, the prevailing
party shall be entitled to reasonable attorney's fees, costs and necessary
disbursements in addition to any other relief to which it may otherwise be
entitled, whether or not such action or proceeding is prosecuted to judgment.

                            [SIGNATURE PAGE FOLLOWS]

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Executed to be effective as of the date first above written.

                                       CLIENT:

                                       COLLINS GROWTH & INCOME FUND, LLC

                                       By: /s/ GARY WOOD
                                           -------------------------------------
                                       Print Name: Gary Wood
                                       Title: Secretary and Director

                                       CONSULTANT:

                                       COLLINS FINANCIAL SERVICES, INC.

                                       By: /s/ WALT COLLINS
                                          --------------------------------------
                                          Walt Collins, Chief Executive Officer

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                                    EXHIBIT A

                             REGISTRATION STATEMENT

<PAGE>

                                    EXHIBIT B

                          INITIAL BUSINESS PLAN SUMMARY

         It is intended that Client shall maintain the ability to review and
approve certain transactions into which Consultant may enter on Client's behalf

         As noted in the Consulting Servicing Agreement, Client must approve any
(i) sales of portfolios of Receivables with a sales price of $250,000 or
greater, and (ii) acquisitions of portfolios of Receivables with a purchase
price greater than $150,000 (each a "Material Transaction"). Client has
determined that transactions of a lesser amount are "immaterial", and has
delegated the authority to effectuate such transactions without review and
approval to Consultant.

         Consultant will provide to Client monthly reports that will include all
such immaterial transactions, along with any Material Transactions, and Client
may review and request further information on any transactions included in these
reports.

         With respect to Material Transactions, Consultant will notify Client of
Consultant's intent to enter into such transactions, and Client may approve or
disapprove of each such transaction. Failure of Client to respond to such notice
within 2 business days shall be deemed to signify approval.

         Client authorizes Consultant to expend appropriate funds for
administrative and operating expenses without prior approval of Client.
Consultant agrees to provide Client with monthly financial statements that will
reflect such expenditures.

         Client may submit to Consultant at any time in accordance with Section
1(a) of the Services Agreement, a written proposal ("Proposal") amending or
revising in whole or in part the Business Plan as Client shall deem to be
advisable to achieve its profitability objectives and goals.

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