Document:

<PAGE>   1
                                                                    EXHIBIT 4.11

                    [SCHNEIDER SECURITIES, INC. LETTERHEAD]

              FINANCIAL CONSULTING AND INVESTMENT BANKING AGREEMENT

         THIS AGREEMENT is made as of January 11, 2001 by and between ELITE
LOGISTICS, INC., an Idaho corporation having its principal office at 1201 North
Ave. H, Freeport, TX, 77541 (the "Company"), and SCHNEIDER SECURITIES, INC., a
Colorado corporation having an office at 1120 Lincoln Street, Suite 900, Denver,
Colorado 80203 ("SSI").

         In consideration of the mutual premises contained herein and on the
terms and conditions hereinafter set forth, the Company and SSI agree as
follows:

1. PROVISION OF SERVICES. The Company hereby retains SSI to perform
non-exclusive consulting services related to corporate finance and investment
banking matters, and SSI hereby accepts such retention and shall undertake all
reasonable efforts to perform for the Company the duties described herein. In
this regard, SSI shall devote such time and attention to the business of the
Company as shall be determined by SSI, in its sole discretion.

         (a) SSI agrees, to the extent reasonably required in the conduct of the
business of the Company, and at the Company's written request to SSI's Senior
Vice President of Corporate Finance (or such other person designated by SSI), to
place at the disposal of the Company its judgment and experience and to provide
business development services to the Company including the following:

                  (i) advice with regard to stockholder relations and public
relations matters, and

                  (ii) evaluation of financial matters and assistance in
financial arrangements and investment banking transactions, including assistance
and advice with regard to maximization of shareholder value and merger and
acquisition candidates.

         (b) At SSI's request, the Company will provide "due diligence"
presentations to Registered Representatives of SSI and other brokerage firms.
SSI agrees to use reasonable efforts to arrange such meetings.

         (c) Notwithstanding the foregoing, SSI shall provide general services
to the Company in connection with mergers, acquisitions, consolidations, joint
ventures, divestitures and similar corporate finance transactions; however,
subject to paragraph 3(d) below, for each such specific transaction or
transactions, SSI and the Company will formalize their arrangement in a separate
agreement at the time specific service is provided.

         (d) SSI shall use reasonable efforts in furnishing advice
recommendations, and for this purpose SSI shall at all times maintain or keep
and make available qualified personnel or a network of qualified outside
professionals for the performance of its obligations under this Agreement, at
its sole expense. To the extent reasonably practicable, SSI shall so use its own
personnel rather than outside professionals.

<PAGE>   2

         (e) The Company shall use reasonable efforts to invite a representative
appointed by SSI to attend and participate in at least one meeting of its Board
of Directors for every year that this Agreement is in effect. The Company shall
provide notice of such meeting each year to SSI at least two (2) weeks prior to
the date that the meeting is scheduled to occur. SSI will use its reasonable
efforts to attend any other meetings of the Company's Board of Directors to
which the Company requests SSI's attendance. Any expenses incurred by SSI in
attending such meetings shall be borne by the Company.

2. TERM. Unless otherwise provided for in this Agreement, SSI's retention
hereunder shall be for a term of two (2) years, commencing on the date of this
Agreement and expiring on the second anniversary date of this Agreement (the
"Termination Date"). Except as provided for in paragraph 8 below, SSI may not
terminate this Agreement without the written consent of the Company prior to the
Termination Date. In the event that the Company desires to terminate this
Agreement prior to the Termination Date, it shall provide SSI with at least
sixty (60) days prior written notice of its intention to terminate this
Agreement and this Agreement shall so terminate following the expiration of this
sixty (60) day period; without any further responsibility for either party;
provided, however, that SSI shall be entitled to receive all compensation,
including any unpaid cash compensation and all vested Warrants (as set forth
below), and un-reimbursed expenses, if any, outstanding as of the Termination
Date.

3. COMPENSATION. In consideration for the services provided by SSI hereunder,
the Company shall:

         (a) pay to SSI the sum of $41,000 as follows: $5,000 payable upon the
execution of this Agreement, an additional $4,500 on April 1, 2001, and $4,500
on the first day of each and every calendar quarter thereafter, with the last
payment due January 1, 2003.

         (b) [Intentionally Omitted]; and

         (c) issue to SSI a warrant (the "Warrant") to purchase up to 100,000
shares of the common stock of the Company (the "Underlying Common Stock") on the
following terms: 50,000 shares (the "First Tranche") at a per share price of
$2.50 (the "Strike Price"), and 50,000 shares (the "Second Tranche") at a Strike
Price of $4.50 per share. The Warrant shall "vest" in favor of SSI in accordance
with the Vesting Schedule attached hereto as Schedule A. Notwithstanding the
foregoing, the Warrant shall immediately and completely vest, in favor of SSI,
and shall become immediately exercisable, in the event of the sale of the
Company (or substantially all of the assets thereof) or the acquisition (or
merger) transaction of the Company by or into another entity. The Warrant shall
be issued to SSI in the form of a warrant agreement (the "Warrant Agreement"),
which shall be in form and content satisfactory to SSI. The Warrant Agreement
shall provide for, among other provisions, the above terms and the following:

                  (i) that SSI may exercise the Warrant at any time after the
first anniversary date of the Warrant Agreement. The Warrant shall expire five
(5) years from the date that the Warrant Agreement is issued.

                  (ii) anti-dilution provisions for stock dividends, splits,
mergers, sale of substantially all of the Company's assets, except for sale of
stock pursuant to the Company's Stock Option Plan(s).

                  (iii) that, in lieu of any cash payment required by SSI in
connection with the exercise of the Warrant, the holder(s) of the Warrant shall
have the right at any time and from time to time, to exercise the Warrant in
full or in part by surrendering the Warrant Agreement as payment of

<PAGE>   3
the aggregated Strike Price. The number of shares of Underlying Common Stock to
be issued upon exercise shall be determined by multiplying the number of the
shares of common stock within the Warrant to be exercised by an amount equal to
the market price per share less the Strike Price, and then dividing the product
thereof by the market price per share. Solely for the purposes of this
paragraph, market price shall be calculated as the average of the closing prices
for each of the five (5) trading days preceding the date notice is given that
the holder(s) intend(s) to exercise the Warrant.

                  (iv) that the Company shall reserve, and at all times have
available, a sufficient number of shares of its common stock to be issued upon
the exercise of the Warrant. Furthermore, the Company shall accept, and shall so
instruct its transfer agent to accept, an appropriate Rule 144 opinion letter
from any qualified securities attorney representing SSI or any of its employees
or agents that are holders of the Warrant.

                  (v) that the Company shall, subject to the conditions listed
below, grant "piggy back" registration rights to include the shares of the
Underlying Common Stock in any registration statement (except for Form S-4 or
S-8 filings, or any equivalent thereto) filed by the Company under the
Securities Act of 1933 relating to an underwriting of the sale of shares of
common stock or other security of the Company, subject to customary and
reasonable underwriter imposed lock-up requirements. In the event that the
Company grants registration rights to any other stockholder, which stockholder
became a stockholder as a result of the efforts of SSI), on terms and conditions
that SSI deems to be more favorable than those granted hereunder, the Company
shall grant the same rights to SSI. Furthermore, in the event that the Company
grants registration rights to any other stockholder, the Company shall issue
written notice thereof to SSI at least 10 business days prior to the date that
the Company files any such registration statement.

         (d) pay to SSI, an amount equal to the following percentages of the
consideration paid by or to the Company in connection with such transaction, if,
within two years from the date of this Agreement, the Company enters into any
agreement or understanding with any person or entity introduced by SSI involving
(i) the sale of all or substantially all of the assets and properties of the
Company, (ii) the merger or consolidation of the Company (other than a merger or
consolidation effected for the purpose of changing the Company's domicile) (iii)
the acquisition by the Company of the assets or stock of another business
entity, which agreement or understanding is consummated during such two year
period or within one year of the expiration of such two year period or (iv) any
financing transactions done with The Company involving entities introduced to
The Company by SSI:

                  (i) 5% of the first $1,000,000 or portion thereof, of such
consideration;

                  (ii) 4% of the second $1,000,000 or portion thereof, of such
consideration;

                  (iii) 3% of the third $1,000,000 or portion thereof, of such
consideration;

                  (iv) 2% of the fourth $1,000,000 or portion thereof, of such
consideration; and

                  (v) 1% of the remaining consideration in excess of the first
$4,000,000 of such consideration.

Unless otherwise agreed, in writing by SSI, the above amount shall be payable to
SSI in cash, upon closing or consummation of any such transaction. It is
understood that this provision is not exclusive and that SSI shall not be
entitled to the foregoing amounts unless it participates in the introduction, or
is otherwise engaged by the Company to structure, facilitate or negotiate any
such transaction.

<PAGE>   4

4. REPRESENTATIONS AND WARRANTIES OF SSI. SSI represents and warrants that:

         (a) it is a securities broker-dealer duly licensed and registered
pursuant to federal and state securities laws rules and regulations;

         (b) it has the authority and ability to provide the services
contemplated in this Agreement; and

         (c) it is a member in good standing with the NASD and is in good
standing with all states within which it is registered to conduct securities
business.

5. INDEMNIFICATION. The Company agree to indemnify and hold harmless SSI and its
affiliates, the respective directors, officers, partners, agents and employees
and each other person, if any, controlling SSI or any of its affiliates
(collectively the "SSI Parties") from all losses, claims, damages, liabilities
and expenses incurred by them (including attorney's fees and disbursements) that
result from any "material" violations of securities laws or rules by the Company
or any untrue statements made or any statements omitted to be made by the
Company, its agents and employees, in connection with securities related
matters. SSI will indemnify and hold harmless the Company and the respective
directors, officers, agents and employees of the Company (the "Company Parties")
from and against all losses, claims, damages, liabilities and expenses that
result from malfeasance, or gross negligence in the performance of SSI's duties
hereunder. Each person or entity seeking indemnification hereunder shall
promptly notify the Company, or SSI as applicable, of any loss, claim, damage or
expense for which the Company or SSI as applicable, may become liable pursuant
to this Section 5. Neither party shall pay, settle or acknowledge liability
under any such claim without the written consent of the party liable for
indemnification, and shall permit the Company or SSI as applicable a reasonable
opportunity to cure any underlying problem or to mitigate damages. The scope of
this indemnification between SSI and the Company shall be limited to, and
pertain only to certain transactions contemplated or entered into pursuant only
to this Agreement.

The Company or SSI, as applicable, shall have the opportunity to defend any
claim for which it may be liable hereunder, provided it notifies the party
claiming the right to indemnification within fifteen (15) days of notice of the
claim.

6. STATUS OF SSI. SSI shall at all times be an independent contractor of the
Company and, except as expressly provided or authorized in this Agreement, shall
have no authority to act for or represent the Company or bind it to any
agreements.

7. OTHER ACTIVITIES OF SSI. The Company recognizes that SSI now renders and may
continue to render financial consulting, management, investment banking and
other services to other companies that may or may not conduct business and
activities similar to those of the Company. SSI shall be free to render such
advice and other services and the Company hereby consents thereto. SSI shall not
be required to devote its full time and attention to the performance of its
duties under this Agreement, but shall devote only so much of its time and
attention as it deems reasonable or necessary for such purposes, in its sole
discretion.

8. COVENANTS OF THE COMPANY. The Company covenants, promises and agrees that:

<PAGE>   5

         (a) during the term of this Agreement, the Company shall provide SSI at
least thirty (30) days prior written notice of the proposed sale of any
securities of the Company in a "Regulation S" or "Regulation D" offering. Such
notice shall specify the type of securities to be offered, the purchase price
thereof, the terms and conditions of the offering and the proposed offering
date. SSI shall be entitled to immediately terminate this Agreement and retain
all of the compensation due to date, including all vested and non-vested
Warrants, set forth herein without offset and with no further liability to the
Company, in the event that, during the term of this Agreement, the Company
completes a sale of its securities pursuant to a Regulation D or S offering,
without providing such notice to SSI.

         (b) it shall immediately notify SSI in the event that it is de-listed
from the NASDAQ OTC:BB Market.

         (c) during the term of this Agreement, the Company shall furnish SSI
with copies of its annual, quarterly and proxy filings with the SEC, immediately
upon the Company's filing thereof.

9. COVENANTS OF SSI. SSI will comply with all applicable requirements of the
Securities Act, the Exchange Act, any applicable state securities or Blue Sky
laws and all NASD conduct rules or other laws, with respect to SSI's obligation
under this agreement.

10. CONTROL. Nothing contained herein shall be deemed to require the Company to
take any action contrary to its Certificate of Incorporation or By-Laws, or any
applicable statute or regulation, or to deprive its Board of Directors of their
responsibility for any control of the affairs of the Company.

11. PUBLIC DISCLOSURE REQUIREMENT. Within thirty (30) business days of the final
execution of this Agreement, the Company shall cause the release of a public
announcement which sets forth, in pertinent part, a description of this
Agreement, including without limitation, the name of SSI, the nature of the
services to be provided hereunder by SSI and the compensation paid to it in
connection herewith. At least three (3) business days prior to the dissemination
of any such public announcement or filing containing the above required
description, the Company shall submit to SSI, for its review and comment, the
proposed public announcement or description. SSI shall thereafter have three (3)
business days within which to submit its editions or amendments to the public
announcement and/or description for inclusion therein, which editions and
amendments shall be incorporated in the final version disseminated by the
Company, unless, in the reasonable judgment of counsel to the Company, such
editions or amendments cannot be incorporated.

12. NOTICES. Any notices hereunder shall be sent to the Company and SSI at their
respective addresses above set forth. Any notice shall be given by registered or
certified mail, postage prepaid, and shall be deemed to have been given when
deposited in the United States mail. Either party may designate any other
address to which notice shall be given, by giving written notice to the other of
such change of address in the manner herein provided.

13. ENTIRE AGREEMENT. This Agreement contains the entire agreement and
understanding between the parties with respect to its subject matter and
supersedes all prior discussion, agreements and understandings between them with
respect thereto. This Agreement may not be modified except in a writing signed
by the parties.

<PAGE>   6

14. JURISDICTION AND VENUE. This Agreement has been made in the State of
Colorado and shall be governed by and construed in accordance with the laws
thereof without regard to principles of conflict of laws. Any proceeding
commenced by SSI to enforce or interpret any provision of this Agreement may be
brought in the City and County of Denver, Colorado. The Company hereby submits
to the jurisdiction of the courts of the State of Colorado, including the
federal courts, for such purposes.

15. NO ASSIGNMENT. Neither this Agreement nor the rights of either party
hereunder shall be assigned by either party without the prior written consent of
the other party.

16. COUNTERPARTS. This Agreement may be executed in one or more counterparts,
each of which shall be deemed an original, but all of which together shall
constitute one and the same instrument.

17. NON-COMPLIANCE. If any provision of this Agreement conflicts with any law,
rule or regulation of any federal, state or self-regulatory organization,
including the Securities and Exchange Commission, the blue-sky laws of any
state, the National Association of Securities Dealers, Inc., or any other
governmental authority having jurisdiction over the activities or services
described herein, then in that event, the Company and SSI shall amend this
Agreement to bring any affected provision into compliance with such regulations.

         IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
executed the day and year first above written.

SCHNEIDER SECURITIES, INC.                     ELITE LOGISTICS, INC.

/s/  THOMAS J. O' ROURKE                        /s/  JOSEPH D. SMITH
------------------------                       ------------------------
By:  Thomas J. O' Rourke                       By:   Joseph D. Smith
Its: President                                 Its:  President and CEO

<PAGE>   7

                                   SCHEDULE A
                            WARRANT VESTING SCHEDULE

<TABLE>
<CAPTION>

          Date:                           Underlying Common Shares Vesting
          -----                           --------------------------------
<S>                                       <C>
          December 1, 2000                50,000 of the First Tranche

          June 1,2001                     50,000 of the Second Tranche
</TABLE><PAGE>   1

                                                                   EXHIBIT 10.20

                 SECOND AMENDMENT TO FIRST AMENDED AND RESTATED
                  REVOLVING CREDIT LOAN AND SECURITY AGREEMENT

         This Second Amendment to First Amended and Restated Revolving Credit
Loan and Security Agreement ("Second Amendment") is entered into as of the 2nd
day of January, 2001, by and among KeyBank National Association ("Bank") and
Brookwood Companies Incorporated ("Brookwood"), Kenyon Industries, Inc.
("Kenyon"), Brookwood Laminating, Inc. ("Laminating"), Ashford Bromley, Inc.
("Ashford"), XtraMile, Inc. ("Xtra"), and Land and Ocean III, Inc. ("Land" and,
together with Brookwood, Kenyon, Laminating, Ashford and Xtra, being sometimes
hereinafter collectively referred to as "Borrower").

                                    RECITALS:

         WHEREAS, Borrower and Bank entered into a certain First Amended and
Restated Revolving Credit Loan and Security Agreement dated as of June 6, 2000
(the "Existing Agreement"); and

         WHEREAS, the Existing Agreement was amended and modified by that
certain First Amendment and Restated Revolving Credit Loan and Security
Agreement dated October 23, 2000 ("First Amendment"); and

         WHEREAS, Borrower has requested Bank to make certain changes to the
Existing Agreement, as amended and modified by the First Amendment, all as more
particularly set forth in this Second Amendment;

                             PRELIMINARY STATEMENT:

         A. Unless otherwise defined herein. capitalized terms as used herein
shall have the meanings ascribed to them in the Existing Agreement.

         B. Unless otherwise indicated, all section and subsection numbers
correspond with those in the Existing Agreement.

         C. In the event of a conflict between the terms and conditions of the
Existing Agreement, as amended and modified by the First Amendment, and the
terms and conditions of this Second Amendment, the terms and conditions of this
Second Amendment shall prevail and the Existing Agreement shall be interpreted
and construed so as to give maximum effect to the intent and terms and
conditions of this Second Amendment.

         NOW THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged by Borrower and Bank, the parties
hereto agree that the Existing Agreement is hereby amended as follows:

<PAGE>   2

         1. This Second Amendment is being entered into in connection with a
certain letter between Bank and Borrower dated January 2, 2001, a copy of which
is attached hereto as Exhibit A (the "Waiver Letter").

         2. The pricing grid under Section 2.6.1 of the Existing Agreement
relating to the Working Capital Revolving Credit Loans is revised as follows:

<TABLE>
<CAPTION>
                         TOTAL FUNDED DEBT
          TIER               TO EBITDA          PRIME RATE +          LIBOR +
          ----           -----------------      ------------          -------
<S>                      <C>                    <C>                   <C>
            1                 >=3.25               0.25%               3.00%
            2             >=3.00x <3.25            0.25%               2.50%
            3             >=2.50x <3.00x           0.25%               2.25%
            4               2.00x <2.50x           0.25%               2.00%
            5                 <2.00x               0.25%               1.75%
</TABLE>

                  The pricing grid under Section 2.6.2 of the Existing Agreement
relating to the Acquisition Revolving Credit Loans only is revised as follows
(the pricing grid under Section 2.6.2 relating to the Equipment Revolving Credit
Loans will remain unchanged):

<TABLE>
<CAPTION>
                         TOTAL FUNDED DEBT
          TIER               TO EBITDA          PRIME RATE +          LIBOR +
          ----           -----------------      ------------          -------
<S>                      <C>                    <C>                   <C>
           1                 >=3.25                0.25%               3.25%
           2               >=3.00x <3.25           0.25%               2.75%
           3               >=2.50x <3.00x          0.25%               2.50%
           4               >=2.00x <2.50x          0.25%               2.25%
           5                  <2.00x               0.25%               2.00%
</TABLE>

         4. Notwithstanding the pricing grids noted in Paragraphs 2 and 3,
above, Borrower understands that the initial interest rate pricing for the
Acquisition Revolving Credit Loans outlined in Section 2.6.3 of the Existing
Agreement, as modified and amended by the First Amendment, remains in full force
and effect.

         5. Section 2.3.3(a)(3)(iv) of the Existing Agreement, requiring an
additional contribution from Hallwood to Brookwood of $500,000 in cash no later
than one year from the date of Brookwood's acquisition of Uzzi's assets, is
waived and replaced with the following:

                  (iv)     additional contribution from Hallwood to Brookwood of
                           $500,000 in cash prior to the opening of any new Uzzi
                           retail store financed by Brookwood.

                                       2

<PAGE>   3

         6. Section 8.4 of the Existing Agreement is hereby amended to restrict
distributions and tax payments to Hallwood until Bank's receipt and satisfactory
review of covenant compliance certificates for the fiscal year ending 12/31/00
and the quarter ending 3/31/01; provided however, that such covenant compliance
certificates show full compliance with all Financial Covenants contained in
Section 9. Prior to any future distribution or tax payment to Hallwood,
Brookwood shall submit a pro forma covenant compliance certificate reflecting
full compliance with all Financial Covenants. Said pro forma covenant compliance
certificate shall be submitted as of the end of the then current quarter during
which any planned distribution or tax payments are to be made.

         7. Section 9.3 is hereby amended as follows:

                  9.3 EBITDA to Total Fixed Charges Ratio. Borrower shall
                  maintain a minimum EBITDA (trailing four quarters) to Total
                  Fixed Charges Ratio of 1.15:1.0 for the quarters ending
                  12/31/00 and 3/31/01, and 1.25:1.0 as of 6/30/01 and
                  thereafter.

         8. Except as expressly amended by this Second Amendment, the terms and
conditions of the Existing Agreement, as amended and modified by the First
Amendment, shall remain in full force and effect and Borrower acknowledges and
confirms that its representations and warranties contained in the Existing
Agreement are true, correct and complete in all material respects as of the date
hereof and there exists no Default or Event of Default under the Existing
Agreement, as amended and modified by the First Amendment, as of the date hereof
except as set forth in the Waiver Letter.

         IN WITNESS WHEREOF, the undersigned have duly executed this Second
Amendment as a sealed instrument as of the date first set forth above.

ATTEST:                                      BORROWER:

                                             BROOKWOOD COMPANIES INCORPORATED

/s/ ANN NOLAN WALL                           By:  /s/ DUANE O. SCHMIDT
----------------------------                      ------------------------------
Witness                                           Name: Duane O. Schmidt
                                                  Title: Vice President Finance
                                                         Chief Financial Officer

                                             KENYON INDUSTRIES, INC.

/s/ ANN NOLAN WALL                           By:  /s/ DUANE O. SCHMIDT
----------------------------                      ------------------------------
Witness                                           Name: Duane O. Schmidt
                                                  Title: Treasurer and Secretary

                                       3
<PAGE>   4

                                             BROOKWOOD LAMINATING, INC.

/s/ ANN NOLAN WALL                           By:  /s/ DUANE O. SCHMIDT
----------------------------                      ------------------------------
Witness                                           Name: Duane O. Schmidt
                                                  Title: Treasurer

                                             ASHFORD BROMLEY, INC.

/s/ ANN NOLAN WALL                           By:  /s/ DUANE O. SCHMIDT
----------------------------                      ------------------------------
Witness                                           Name: Duane O. Schmidt
                                                  Title: Assistant Treasurer

                                             XTRAMILE, INC.

/s/ ANN NOLAN WALL                           By:  /s/ DUANE O. SCHMIDT
----------------------------                      ------------------------------
Witness                                           Name: Duane O. Schmidt
                                                  Title: Assistant Treasurer

                                             LAND AND OCEAN III, INC.

/s/ ANN NOLAN WALL                           By:  /s/ DUANE O. SCHMIDT
----------------------------                      ------------------------------
Witness                                           Name: Duane O. Schmidt
                                                  Title: Treasurer

                                             ACCEPTED BY BANK:
                                             KEYBANK NATIONAL ASSOCIATION

/s/ JENNIFER O'REAH                          By:  /s/ KAREN L. CUMMINGS
----------------------------                      ------------------------------
Witness                                           Name: Karen L. Cummings
                                                  Title: Vice President

                                       4

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