Document:

<PAGE>
                                                                   EXHIBIT 10.12

                      SPLIT-DOLLAR LIFE INSURANCE AGREEMENT

         This Agreement is entered into as of the 13th day of October, 1998, by
and between NCI Building Systems, Inc., a Delaware corporation (the
"Corporation") and Karen Rene Rosales, as Trustee (the "Trustee") of the Schulte
Investment Trust (the "Trust").

                                    RECITALS:

         WHEREAS, the Trustee desires to insure the lives of the Johnie Schulte,
Jr. (the "Employee") and Barbara C. Schulte, the spouse of Employee ("Spouse"),
for the benefit and protection of the Trust and its beneficiaries and, to
encourage the Employee to remain an employee of the Corporation, the Corporation
desires to assist the Trust with the Trust's life insurance program; and

         WHEREAS, the Trust is the owner of the life insurance policy described
herein maintained pursuant to the terms of this Agreement, subject to the
assignment of the policy to the Corporation as described herein as security for
the repayment of amounts the Corporation contributes toward the payment of
premiums on the policy; and

         WHEREAS, the Corporation and the Trustee, on behalf of the Trust,
desire to enter into a contractual arrangement to establish their respective
rights with respect to such policy;

         NOW THEREFORE, in consideration of the mutual covenants contained
herein, the parties hereto agree as follows:

         1. Designation of Policy. The life insurance policy which is the
subject of this Agreement is Policy No. 1A2348839 (the "Policy") issued by
Pacific Life (the "Insurer") on the joint lives of the Employee and the Spouse.

         2. Ownership of Insurance. The Trust shall be the sole owner of the
Policy and the Trustee may exercise all the rights of ownership with respect to
the Policy on behalf of the Trust, except as otherwise hereinafter provided.

         3. Dividends. All dividends declared or distributions made by the
Insurer on the Policy shall be applied to purchase additional paid-up insurance
on the joint lives of the Employee and Spouse. The parties hereto agree that the
dividend election provisions of the Policy will conform to the provisions
hereof.

         4. Premium Payments. On or before the due date, the Corporation will
pay to the Insurer the full amount of each premium on the Policy, except as
provided in Section 5 of this Agreement. The Corporation hereby agrees to pay at
least eleven (11) annual premium payments on the Policy. The aggregate amount of
premiums paid by the Corporation on the Policy shall, as of any determination
date, be referred to as the "Corporation Premiums".

SPLIT-DOLLAR LIFE INSURANCE AGREEMENT                                     Page 1
SCHULTE INVESTMENT TRUST
<PAGE>

         5. Trust's Obligation to Corporation. The Trust shall be obligated to
repay to the Corporation the Corporation Premiums. The Trust's repayment
obligation to the Corporation described in this Section 5 shall be payable as
prescribed in Sections 9 and 12 of this Agreement. In addition, on or before the
due date of each Policy premium, the Trust will pay the Insurer (or,
alternatively, in the discretion of the Corporation, will pay to the Corporation
as reimbursement for the Corporation's payment) an amount equal to (i) the
one-year term cost of the insurance protection received by the Trust with
respect to the joint lives of the Employee and Spouse, measured by the U.S. Life
Table 38, while both are alive, and (ii) after the first to die of the Employee
and Spouse, the lesser of the P.S. 58 cost under the tables contained in Revenue
Ruling 55-747 or the Insurer's individual initial issue one-year term life
insurance rates. The Corporation shall notify the Trustee of the amount due from
the Trust hereunder at least thirty (30) days prior to the due date of each
Policy premium. If during the term of this Agreement, the method for determining
the one-year term cost of the insurance protection received by the Trust is
different than the method described in the preceding sentence due to changes in
the tax laws applicable to this Agreement or the issuance of rulings or
regulations by the Internal Revenue Service, the Trust shall pay an amount under
this Section 5 consistent with the requirements of such laws, rulings or
regulations.

         6. Collateral Assignment of Policy. As security for the repayment to
the Corporation of the Corporation Premiums paid pursuant to Section 4 of this
Agreement, the Trustee on behalf of the Trust has executed an assignment of the
Policy (the "Assignment"), which Assignment is attached hereto as Exhibit A.
During the term of this Agreement, the Trust's rights of ownership with respect
to the Policy shall be limited to those specified in the Assignment and in this
Agreement. Except as provided in this Agreement, the Assignment will not be
altered without the written consent of the Corporation.

         7. Right to Obtain Policy Loans. The Corporation shall have the right
to obtain Policy loans or advances on the Policy equal to the amount of the
Corporation Premiums paid to the date of the loan or advance.

         8. Assignment of Trust's Interest. Except as provided otherwise in this
Section 8, the Trust may not transfer or assign its rights in the Policy (other
than the rights assigned to the Corporation pursuant to this Agreement and the
Assignment). Notwithstanding the preceding sentence, with the consent of the
Corporation and subject to the provisions of the Trust, the Trustee may assign
its rights in the Policy (other than rights assigned to the Corporation pursuant
to this Agreement and the Assignment) to another trust established by Employee.

         9. Death of Employee and Spouse. Upon the last to die of the Employee
and Spouse, the Corporation shall be entitled to receive, from the proceeds of
the Policy, an amount equal to the Corporation Premiums paid pursuant to Section
4 of this Agreement, less any Policy loans or other indebtedness incurred by the
Corporation and secured by the cash surrender value of the Policy. The balance,
if any, of the proceeds of the Policy will be paid directly by the Insurer to
the Trust in the settlement option elected by the Trustee. If, pursuant to the
terms of the Assignment, the Insurer pays the Corporation amounts in excess of
the Corporation

SPLIT-DOLLAR LIFE INSURANCE AGREEMENT                                     Page 2
SCHULTE INVESTMENT TRUST
<PAGE>

Premiums in connection with the death of the Employee or, if applicable, Spouse,
the Corporation shall pay such excess amounts to the Trust, as determined and
communicated to the Corporation by the Insurer.

         10. Beneficiary Under Policy. The Trust shall be the beneficiary under
the Policy to receive the balance of any Policy proceeds payable on account of
the Employee's death following payment of Corporation Premiums to the
Corporation pursuant to Section 4 of this Agreement. The Trustee shall elect a
settlement option on behalf of the Trust.

         11. Termination of Agreement. Subject to the provisions of Section 12,
this Agreement shall terminate on the occurrence of any of the following events:

                  (a) After payment of the amounts specified in Section 9
following the death of the last to die of the Employee and the Spouse;

                  (b) Cessation of the Corporation's business;

                  (c) The first day following the expiration of fifteen (15)
years from the date the Policy was issued, May 20, 1998 (the "Policy Date"); or

                  (d) Subject to the Corporation's obligations under Section 4
hereof, upon the election of the Corporation, provided that the Corporation
gives written notice of the Corporation's election to terminate this Agreement
pursuant to this paragraph (d) at least ninety (90) days prior to the effective
date of such termination.

         12. Disposition of Policy on Termination of Agreement. If this
Agreement is terminated under Section 11, the Corporation will no longer be
obligated to pay the premium on the Policy pursuant to Section 4. If this
Agreement is terminated on account of (i) the cessation of the Corporation's
business under paragraph (b) of Section 11; (ii) the expiration of fifteen (15)
years from the Policy Date under paragraph (c) of Section 11; or (iii)
termination of the Agreement by the Corporation pursuant to paragraph (d), the
Trust shall have the right for a period of sixty (60) days following the
termination event to repay the Corporation the Corporation Premiums. The Trust
may elect to repay such premiums by surrendering the Policy and reimbursing the
Corporation for such costs from the cash surrender value of the Policy.
Alternatively, the Trust may elect to reimburse the Corporation for the
Corporation Premiums paid as of the termination date without surrendering the
Policy. Upon receipt of this amount, the Corporation shall release the
Assignment of the Policy, and the Trust shall become the sole and absolute owner
of the Policy. The Trust may thereafter elect to continue to keep the Policy in
effect by paying the premiums thereon, or alternatively, may elect to surrender
the Policy pursuant to the terms thereof. If the Trust fails to repay the
Corporation the amount of the Corporation premiums within this sixty (60) day
period, the Trustee on behalf of the Trust shall execute any and all documents
necessary to vest ownership of the Policy in the Corporation. Thereafter, the
Trust shall have no interest in the Policy.

SPLIT-DOLLAR LIFE INSURANCE AGREEMENT                                     Page 3
SCHULTE INVESTMENT TRUST
<PAGE>

         13. Insolvency of Corporation. In the event the Corporation becomes
insolvent during the term of the Agreement, the cash surrender value of the
Policy shall be subject to the claims of the Corporation's creditors and the
Trust shall have the status of an unsecured creditor of the Corporation with
respect to the portion of cash surrender value of the Policy, if any, otherwise
payable to the Trust under this Agreement. For purposes of the preceding
sentence, the Corporation shall be considered as "insolvent" if (i) the
Corporation is unable to pay its debts as they become due or (ii) the
Corporation is subject to a pending proceeding as a debtor under the United
States Bankruptcy Code.

         14. Paid-Up Additional Life Insurance. Any payments under the Policy to
the Corporation in connection with the rights granted to the Corporation in the
Assignment shall first be made from the cash surrender value under the Policy
attributable to the paid-up additional life insurance purchased by Policy
dividends. The Trust shall have no interest in the paid-up additional life
insurance protection to the extent the death benefit or cash value thereof
exceeds the total amount which must be paid to the Corporation under this
Agreement.

         15. Named Fiduciary. The Board of Directors of the Corporation (the
"Board") is designated as the "Named Fiduciary," as defined under section 402 of
the Employee Retirement Income Security Act of 1974, as amended ("ERISA"), of
the split-dollar life insurance arrangement set forth in this Agreement. The
business address and telephone number of the Named Fiduciary are:

                           Chairman of the Board of Directors
                           c/o Bob Medlock, Chief Financial Officer
                           NCI Building Systems, Inc.
                           7301 Fairview
                           Houston, Texas  77041
                           (713) 466-7788

The Named Fiduciary shall have full power and authority to control and manage
the operation and administration of this Agreement and to interpret and construe
the terms hereof. The Named Fiduciary's interpretation and construction hereof
and actions hereunder shall be binding and conclusive on all persons for all
purposes. However, the Named Fiduciary may allocate its responsibilities for the
operation and administration of this Agreement, including the designation of
persons who are not named fiduciaries, to carry out all or a portion of its
responsibilities under the Agreement. The Named Fiduciary shall be responsible
for making timely delivery of any required premiums under the Policy to the
Insurer during the term of this Agreement. A copy of the Assignment and the
Policy has been provided to Employee and the Trust on behalf of the Trust upon
the execution of this Agreement.

         16. Claims Procedure. Any person claiming a benefit under the Agreement
(a "Claimant") shall present the claim in writing to the Board and the Board
shall respond thereto in writing in accordance with this Section 16. If a claim
is wholly or partially denied, notice of the decision shall be furnished to the
Claimant within 60 days after receipt of the claim by the Board,

SPLIT-DOLLAR LIFE INSURANCE AGREEMENT                                     Page 4
SCHULTE INVESTMENT TRUST
<PAGE>

unless special circumstances require an extension of time for processing the
claim, in which case a decision shall be rendered as soon as possible, but in no
event later than 120 days after receipt of the claim. Written notice of the
extension shall be furnished to the Claimant prior to the termination of the
initial 60-day period, and shall indicate the circumstances requiring the
extension and the date by which the Board expects to render its decision. The
notice of the decision shall contain the specific reason or reasons for the
denial of the claim, specific references to pertinent provisions of the
Agreement on which the denial is based, a description of any additional material
or information necessary for the Claimant to perfect the claim, an explanation
of why such additional material or information is necessary and an explanation
of the Agreement's claims review procedure. If notice of the denial is not
furnished in accordance with the above procedure, the claim shall be deemed
denied and the Claimant shall be permitted to proceed with the review procedure.
A Claimant or his duly authorized representative may appeal the denial of a
claim by making a written application to the Board requesting a review. The
Claimant or his duly authorized representative may, in connection with the
appeal, review pertinent documents and submit issues and comments to the Board
in writing. The request for a review of a denied claim must be made to the Board
within 60 days after receipt by the Claimant of written notification of denial
of a claim. A decision by the Board shall be made no later than 60 days after
its receipt of a request for a review, unless special circumstances require an
extension of time for processing the request, in which case a decision shall be
rendered as soon as possible, but in no event later than 120 days after receipt
of the request for review. If such an extension of time for review is required,
written notice of the extension shall be furnished to the Claimant prior to the
commencement of the extension. The decision on review shall be in writing and
shall include specific reasons for the decision and specific references to the
pertinent provisions of the Agreement on which the decision is based. If the
decision on review is not furnished within the appropriate time, the claim shall
be deemed denied on review. All interpretations, determinations, and decisions
by the Board in respect of any matter hereunder will be final, conclusive, and
binding upon the Board, the Trustee, the Employee, beneficiaries, and all other
persons claiming any interest under the Agreement.

         17. Arbitration. If a Claimant has completed the claims procedures set
forth in Section 16 and decides to pursue his claim further, the Claimant shall
comply with the following procedures:

                  (a) The exclusive remedy or method of resolving all disputes
or questions arising out of or relating to this Agreement shall be arbitration.
Arbitration shall be held in Houston, Texas by three arbitrators, one to be
appointed by the Board, a second to be appointed by the Claimant, and a third to
be appointed by those two arbitrators. The third arbitrator shall act as
chairman. Any arbitration may be initiated by the Claimant by written notice to
the Board specifying the subject of the requested arbitration and appointing the
Claimant's arbitrator ("Arbitration Notice").

                  (b) If (i) the Board fails to appoint an arbitrator by written
notice to the Claimant within ten days after the Arbitration Notice is given, or
(ii) the two arbitrators appointed by the parties herein fail to appoint a third
arbitrator within ten days after the date of

SPLIT-DOLLAR LIFE INSURANCE AGREEMENT                                     Page 5
SCHULTE INVESTMENT TRUST
<PAGE>
the appointment of the second arbitrator, then the American Arbitration
Association in Houston, Texas, upon application of the Claimant shall appoint an
arbitrator to fill that position.

                  (c) The arbitration proceeding shall be conducted in
accordance with the rules of the American Arbitration Association. A
determination or award made or approved by at least two of the arbitrators shall
be the valid and binding action of the arbitrators. The costs of arbitration
(exclusive of the expense of a party in obtaining and presenting evidence and
attending the arbitration and of the fees and expense of legal counsel to a
party, all of which shall be borne by that party) shall be borne by the Board if
the Claimant receives substantially the relief sought by the Claimant in the
arbitration, whether by settlement, award, or judgment; otherwise, the costs
shall be borne equally by the parties. The arbitration determination or award
shall be final and conclusive on the parties, and judgment upon such award may
be entered and enforced in any court of competent jurisdiction.

         18. Amendment of Agreement. This Agreement shall not be amended except
by mutual written agreement between the Trustee and the Corporation which shall
be signed by such parties.

         19. Successors and Assigns. This Agreement shall bind and inure to the
benefit of the Corporation and its successors and assigns and the Trust and its
successors and assigns.

         20. Notice. Whenever any notice is required or permitted under this
Agreement, such notice must be in writing and personally delivered or sent by
registered or certified mail. Any notice required or permitted to be delivered
under this Agreement shall be deemed to be delivered on the date which it is
personally delivered, or, actually received at the address which such person has
previously specified by written notice to the other. Until changed in accordance
with this Agreement, the Corporation and the Trust specify their respective
addresses as set forth below:

                  Corporation:     NCI Building Systems, Inc.
                                   7301 Fairview
                                   Houston, Texas  77041

                  Employee:        Karen Rene Rosales, Trustee
                                   Schulte Investment Trust

                                   -----------------------------------
                                   Houston, Texas
                                                  ---------

         21. Insurer Not a Party. The Insurer shall not be deemed to be a party
to this Agreement for any purpose, but it is the intent of the parties that the
Insurer pay amounts under the Policy in accordance with the terms of the
Assignment and this Agreement. The Insurer shall be fully discharged from any
and all liability under the terms of the Policy upon payment or other
performance of its obligations in accordance with the terms of the Policy and
the terms of this Agreement.

SPLIT-DOLLAR LIFE INSURANCE AGREEMENT                                     Page 6
SCHULTE INVESTMENT TRUST
<PAGE>

         22. Applicable Law. This Agreement shall be subject to and shall be
construed under the laws of the State of Texas unless superseded by federal law.

         IN WITNESS WHEREOF, the parties have executed this Agreement as of the
13th day of October, 1998, effective as of October 13, 1998, the Company acting
by and through its duly authorized officers and the Trustee acting on behalf of
the Trust.

                               NCI BUILDING SYSTEMS, INC.

                               By: /s/ Robert J. Medlock
                                  -------------------------------------------

                               Title: Vice President and CFO
                                     ----------------------------------------

                               Print Name: Robert J. Medlock
                                          -----------------------------------

                               SCHULTE INVESTMENT TRUST

                                /s/ Karen Rene Rosales
                               ----------------------------------------------
                               Karen Rene Rosales, Trustee

SPLIT-DOLLAR LIFE INSURANCE AGREEMENT                                     Page 7
SCHULTE INVESTMENT TRUST<PAGE>
                                                                   EXHIBIT 10.13

                            MBCI OPERATING, L.P. AND
                          METAL COATERS OPERATING, L.P.
                    MANAGEMENT INCENTIVE TRUST AGREEMENT FOR
                    THE BENEFIT OF _________________________

         This Management Incentive Trust Agreement is made effective the 8th day
of May, 1998, by and among MBCI Operating, L.P., a Texas Limited Partnership and
Metal Coaters Operating, L.P., a Texas Limited Partnership (hereinafter referred
to as "MBCI"), and NationsBank of Texas, N.A. (hereinafter referred to as
"Trustee").

                                   WITNESSETH

         WHEREAS, MBCI has adopted a Management Incentive Scheme (hereinafter
referred to as the "Plan"), an executed copy of which is attached hereto as
Exhibit "A" and hereby incorporated by reference, in which certain employees
have been allowed to participate; and

         WHEREAS, MBCI has designated _________________________, as a
Participant under the Plan; and

         WHEREAS, MBCI has incurred or expects to incur liability under the
terms of such Plan; and

         WHEREAS, MBCI desires to establish an irrevocable grantor trust
(hereinafter referred to as the "Trust"), and shall transfer to such Trust
certain assets which shall be held therein for the purposes and under the
direction and constraints contained in this document, until such time as they
may be distributed under the Plan; and

         WHEREAS, it is the intention of MBCI to transfer and contribute assets
to the Trust under the Plan, for the Trustee to act as a repository for and to
safeguard such assets, and, the Trustee is willing to act as Trustee under the
terms of this document and hold such assets for the purposes herein contained;
and

         WHEREAS, MBCI shall appoint one or more of its employees to act as the
Trust and Plan Recordkeeper (hereafter referred to as the "Recordkeeper") to
perform such accounting and administrative services as are required by this
Trust and the Plan, and further is willing to provide said services under the
direction and requirements of this Trust or the Plan;

         NOW THEREFORE, in consideration of the promises and mutual covenants
contained herein, the parties do hereby establish this Trust, agree to be bound
by and operate under the terms of this Trust Agreement, and further agree that
the assets of the Trust shall be held, administered, accounted for and
distributed under the terms and conditions enumerated herein, as follows:

MBCI OPERATING, L.P. AND
METAL COATERS OPERATING, L.P.
MANAGEMENT INCENTIVE TRUST AGREEMENT
FOR THE BENEFIT OF _________________
<PAGE>

                        SECTION 1. ESTABLISHMENT OF TRUST

         A. MBCI hereby agrees to deposit with Trustee in trust the sum of
exactly _________________________ ($_______________), in cash, in kind, or in
other forms to be administered and together with all income and accumulations to
be disposed of as provided in this Trust Agreement, which shall become the
principal and disposed of by Trustee as provided in this Trust Agreement.
Neither Trustee nor any Plan Participant or beneficiary shall have any right to
compel any additional deposits.

         B. The Trust hereby established is irrevocable by MBCI subject to the
terms and conditions of the Plan.

         C. The Trust is intended to be a grantor trust, of which MBCI is the
grantor, within the meaning of subpart E, part I, subchapter J, chapter 1,
subtitle A of the Internal Revenue Code of 1986, as amended, and shall be
construed accordingly.

         D. The principal of the Trust, and any earnings thereon shall be held
separate and apart from other funds of MBCI and shall be used exclusively for
the uses and purposes of Plan Participants and general creditors as herein set
forth. Plan Participants and their beneficiaries shall have no preferred claim
on, or any beneficial ownership interest in, any assets of the Trust. Any rights
created under the Plan(s) and this Trust Agreement shall be mere unsecured
contractual rights of Plan Participants and their beneficiaries against MBCI.
Any assets held by the Trust will be subject to the claims of MBCI's general
creditors under federal and state law in the event of Insolvency, as defined in
Section 3A herein.

                   SECTION 2. PAYMENTS FOR THE BENEFIT OF PLAN
                      PARTICIPANTS AND THEIR BENEFICIARIES.

         A. Annual Earnings. The Trustee shall retain, for the benefit of each
Plan Participant, all of the annual earnings of the Trust.

                  1. All retained, undistributed earnings shall be accumulated
with and become a part of the undistributed corpus of the Trust.

         B. Vested Portion. During the term of this Trust and the Plan, MBCI may
deliver to the Trustee a schedule directing the Trustee to distribute all of the
corpus and earnings of the Trust to MBCI for the benefit of the Participant.
Upon receipt of such instruction, the Trustee shall distribute the amount
indicated by MBCI to MBCI for the benefit of the Participant. MBCI shall pay to
_________________________ all distributions of earnings in excess of the amount
required to be withheld and paid to taxing authorities. MBCI shall make
provision for the reporting and withholding of any federal, state or local taxes
that may be required to be withheld with respect to the payment of the vested
portion and shall pay amounts withheld to the appropriate taxing authorities.
MBCI shall, upon request from the Trustee, provide verification that such
amounts have been reported, withheld and paid by MBCI or the Participant.

                                                                               2
MBCI OPERATING, L.P. AND
METAL COATERS OPERATING, L.P.
MANAGEMENT INCENTIVE TRUST AGREEMENT
FOR THE BENEFIT OF _________________
<PAGE>

         C. The entitlement of a Plan Participant or his or her beneficiaries to
benefits under the Plan(s) shall be determined by MBCI or such party as it shall
designate under the Plan(s), and any claim for such benefits shall be considered
and reviewed under the procedures set out in the Plan(s).

              SECTION 3. TRUSTEE RESPONSIBILITY REGARDING PAYMENTS
                  TO TRUST BENEFICIARY WHEN MBCI IS INSOLVENT.

         A. Trustee shall cease payment for the benefit of Plan Participant and
his beneficiaries if MBCI is Insolvent. MBCI shall be considered "Insolvent" for
purposes of this Trust Agreement if (1) MBCI is unable to pay its debts as they
become due, or (2) MBCI is subject to a pending proceeding as a debtor under the
United States Bankruptcy Code.

         B. At all times during the continuance of this Trust, the principal and
income of the Trust shall be subject to claims of general creditors of MBCI
under federal and state law as set forth below:

                  1. The Chief Executive Officer of MBCI shall have the duty to
inform Trustee in writing of Company's Insolvency. If a person claiming to be a
creditor of MBCI alleges in writing to Trustee that MBCI has become Insolvent,
Trustee shall determine whether MBCI is Insolvent and, pending such
determination, Trustee shall discontinue payment of benefits to Plan
Participants or their beneficiaries.

                  2. Unless Trustee has actual knowledge of MBCI's Insolvency,
or has received notice from MBCI or a person claiming to be a creditor alleging
that MBCI is Insolvent, Trustee shall have no duty to inquire whether MBCI is
Insolvent. Trustee may in all events rely on such evidence concerning MBCI's
solvency as may be furnished to Trustee and that provides Trustee with a
reasonable basis for making a determination concerning MBCI's solvency.

                  3. If at any time Trustee has determined that MBCI is
Insolvent, Trustee shall discontinue payments for the benefit of Plan
Participant or his beneficiaries and shall hold the assets of the Trust for the
benefit of MBCI's general creditors. Nothing in this Trust Agreement shall in
any way diminish any rights of Plan Participant or his beneficiaries to pursue
their rights as general creditors of MBCI with respect to benefits due under the
Plan(s) or otherwise.

                  4. Trustee shall resume the payment of benefits for the
benefit of Plan Participant or his beneficiaries in accordance with Section 2 of
this Trust Agreement only after Trustee has determined that Company is not
Insolvent (or is no longer Insolvent).

         C. Provided that there are sufficient assets, if Trustee discontinues
the payment of benefits from the Trust pursuant to Section 3B hereof and
subsequently resumes such payments, the first payment following such
discontinuance shall include the aggregate amount of all payments due for the
benefit of Plan Participant or his beneficiaries under the terms of the Plan(s)
for the period of such discontinuance, less the aggregate amount of any payments
made

                                                                               3
MBCI OPERATING, L.P. AND
METAL COATERS OPERATING, L.P.
MANAGEMENT INCENTIVE TRUST AGREEMENT
FOR THE BENEFIT OF _________________
<PAGE>

to Plan Participant or his beneficiaries by MBCI in lieu of the payments
provided for hereunder during any such period of discontinuance.

                         SECTION 4. INVESTMENT AUTHORITY

         A. In no event may Trustee invest in securities (including stock or
rights to acquire stock) or obligations issued by MBCI or any entity owning all
or part of MBCI; provided, however, that the Trustee may invest in the 9 1/4%
senior subordinated notes due 2009 issued by NCI Building Systems, Inc, a
Delaware corporation and ultimate parent company of the Company. All rights
associated with assets of the Trust shall be exercised by Trustee or the person
designated by Trustee, and shall in no event be exercisable or rest with MBCI or
the Plan Participant.

         B. Subject to the exception in Paragraph A above, investments of the
Trust funds, including principal and earned and undistributed income, shall be
made by the Trustee in accordance with the instructions delivered to the
Trustee, in writing, by an officer designated, in writing, by the board of
directors of NCI Operating Corp., a Nevada corporation, which is the general
partner of MBCI.

                        SECTION 5. ACCOUNTING BY TRUSTEE

         Trustee shall keep accurate and detailed records of all earnings,
investments, receipts, disbursements, and all other transactions required to be
made, including such specific records as shall be agreed upon in writing between
MBCI and Trustee. Within thirty (30) days following the close of each calendar
quarter and within thirty (30) days after the removal or resignation of Trustee,
Trustee shall deliver to MBCI a written account of its administration of the
Trust during such year or during the period from the close of the last preceding
year to the date of such removal or resignation, setting forth all earnings,
investments, receipts, disbursements and other transactions effected by it,
including a description of all securities and investments purchased and sold
with the cost or net proceeds of such purchases or sales (accrued interest paid
or receivable being shown separately), and showing all cash, securities and
other property held in the Trust at the end of such year or as of the date of
such removal or resignation, as the case may be.

                      SECTION 6. RESPONSIBILITY OF TRUSTEE

         A. Trustee shall act with the care, skill, prudence and diligence under
the circumstances then prevailing that a prudent person acting in like capacity
and familiar with such matters would use in the conduct of an enterprise of a
like character and with like aims, provided, however, that Trustee shall incur
no liability to any person for any action taken pursuant to a direction, request
or approval given by MBCI which is contemplated by, and in conformity with, the
terms of the Plan(s) or this Trust and is given in writing by MBCI. The Trustee
shall not be liable to the Trust or to any person having a beneficial interest
in the Trust for any losses or decline in value which may be incurred in any
investment of the Trust, so long as the Trustee acts, without negligence, in
good faith and in accordance with the terms of this

                                                                               4
MBCI OPERATING, L.P. AND
METAL COATERS OPERATING, L.P.
MANAGEMENT INCENTIVE TRUST AGREEMENT
FOR THE BENEFIT OF _________________
<PAGE>

Trust Agreement. In the event of a dispute between MBCI and a party, Trustee may
apply to a court of competent jurisdiction to resolve the dispute.

         B. If Trustee undertakes or defends any litigation arising in
connection with this Trust, MBCI agrees to indemnify Trustee against Trustee's
costs, expenses and liabilities (including, without limitation, attorneys' fees
and expenses) relating thereto and to be primarily liable for such payments.
However, MBCI's obligations to indemnify Trustee for its costs, expenses and
liabilities (including, without limitation, attorneys' fees and expenses) shall
be expressly conditioned upon a timely, written notification of a claim
submitted by Trustee to MBCI with the express understanding and agreement that
upon receipt from MBCI of its written statement of intention to accept the claim
for indemnification, MBCI shall have the sole right to retain counsel to
prosecute or defend the claim and shall, thereafter, have no obligation to the
Trustee, for its costs, expenses and liabilities (including, without limitation,
attorneys' fees and expenses) incurred by Trustee. Additionally, MBCI's
obligations to indemnify Trustee are conditioned upon Trustee's full cooperation
in the defense of any claim tendered for indemnification.

         C. Trustee may, at its expense, consult with legal counsel (who may
also be counsel for MBCI generally) with respect to any of its duties or
obligations hereunder.

         D. Trustee may, at its expense, hire agents, accountants, actuaries,
investment advisors, financial consultants or other professionals to assist it
in performing any of its duties or obligations hereunder.

         E. Trustee shall have, without exclusion, all powers conferred on
Trustees by applicable law, unless expressly provided otherwise herein,
provided, however, that if an insurance policy is held as an asset of the Trust,
Trustee shall have no power to name a beneficiary of the policy other than the
Trust, to assign the policy (as distinct from conversion of the policy to a
different form) other than to a successor Trustee, or to loan to any person the
proceeds of any borrowing against such policy.

         F. Notwithstanding any powers granted to Trustee pursuant to this Trust
Agreement or to applicable law, Trustee shall not have any power that could give
this Trust the objective of carrying on a business and dividing the gains
therefrom, within the meaning of Section 201.7701-2 of the Procedure and
Administrative Regulations promulgated pursuant to the Internal Revenue Code.

                 SECTION 7. COMPENSATION AND EXPENSES OF TRUSTEE

         A. Trustee shall be entitled to a reasonable and customary fee for
serving as Trustee.

         B. Any and all expenses, costs or fees, incurred by the Trustee in the
administration of this Trust or in its capacity as Trustee hereunder, shall be
borne wholly by the Trustee without charge to or reimbursement from MBCI, the
Trust or any person having a beneficial interest in

                                                                               5
MBCI OPERATING, L.P. AND
METAL COATERS OPERATING, L.P.
MANAGEMENT INCENTIVE TRUST AGREEMENT
FOR THE BENEFIT OF _________________
<PAGE>

the Trust or its assets. The fee payable to the Trustee, which may upon
agreement of MBCI and the Trustee be from time-to-time adjusted, shall be the
only sums due and payable to the Trustee.

                  SECTION 8. RESIGNATION AND REMOVAL OF TRUSTEE

         A. Trustee may resign at any time by written notice to MBCI, which
shall be effective thirty (30) days after receipt of such notice unless MBCI and
Trustee agree otherwise.

         B. Trustee may be removed by MBCI on thirty (30) days notice or upon
shorter notice accepted by Trustee.

         C. Upon an event of Termination of the Plan or an event of Good Reason,
both of which are defined in the Plan, Trustee may not be removed by MBCI for
two (2) years.

         D. If Trustee resigns or is removed in accordance with the terms of
this Trust Agreement, MBCI shall appoint a successor Trustee.

         E. Upon resignation or removal of Trustee and appointment of a
successor Trustee, all assets shall subsequently be transferred to the successor
Trustee. The transfer shall be completed within thirty (30) days after receipt
of notice of resignation, removal or transfer and the appointment of a successor
Trustee, unless MBCI extends the time limit.

         F. Notwithstanding anything to the contrary contained in 9B or 9E
above, if MBCI removes the Trustee because of Trustees failure to act in
accordance with the Terms of this Trust Agreement, the applicable notice period
and time for delivery of records and assets shall be shortened to ten (10) days.

         G. If Trustee resigns or is removed, a successor shall be appointed, in
accordance with Section 9 hereof, by the effective date of resignation or
removal in accordance with the terms of this Trust Agreement. If no such
appointment has been made, Trustee may apply to a court of competent
jurisdiction for appointment of a successor or for instructions. All expenses of
Trustee in connection with the proceeding shall be allowed as administrative
expenses of the Trust.

                      SECTION 9. APPOINTMENT OF SUCCESSOR.

         A. If Trustee resigns [or is removed] in accordance with the terms of
this Trust Agreement, MBCI may appoint any third party, such as a bank trust
department or other party that may be granted corporate trust powers under state
law, as a successor to replace Trustee upon resignation or removal. The
appointment shall be effective when accepted in writing by the new Trustee, who
shall have all of the rights and powers of the former Trustee, including
ownership rights in the Trust assets. The former Trustee shall execute any
instrument necessary or reasonably requested by MBCI or the successor Trustee to
evidence the transfer.

                                                                               6
MBCI OPERATING, L.P. AND
METAL COATERS OPERATING, L.P.
MANAGEMENT INCENTIVE TRUST AGREEMENT
FOR THE BENEFIT OF _________________
<PAGE>

                      SECTION 10. AMENDMENT OR TERMINATION

         A. This Trust Agreement may be amended by a written instrument executed
by Trustee and MBCI. Notwithstanding the foregoing, no such amendment shall
conflict with the terms of the Plan(s), provided, however, that any such
amendment or reformation shall be void to the extent that it adversely affects
the Participants in the Plan as a group; and

         B. The Trust shall not terminate until the date on which Plan
Participants and their beneficiaries are no longer entitled to benefits pursuant
to the terms of the Plan(s). Upon termination of the Trust any assets remaining
in the Trust, after all distributions to Plan Participants, shall be returned to
MBCI.

         C. Upon written approval of Participants or beneficiaries entitled to
payment of benefits pursuant to the terms of the Plan(s), MBCI may terminate
this Trust prior to the time all benefit payments under the Plan(s) have been
made. All assets in the Trust at termination shall be returned to MBCI.

                            SECTION 11. MISCELLANEOUS

         A. Any provision of this Trust Agreement prohibited by law shall be
ineffective to the extent of any such prohibition, without invalidating the
remaining provisions hereof.

         B. Benefits payable to Plan Participants and their beneficiaries under
this Trust Agreement may not be anticipated, assigned (either at law or in
equity), alienated, pledged, encumbered or subjected to attachment, garnishment,
levy, execution or other legal or equitable process.

         C. This Trust Agreement shall be governed by and construed in
accordance with the laws of the State of Texas.

         D. If this Trust Agreement conflicts, or is held or deemed to conflict,
with any of the terms of the Plan, the terms of the Plan shall control and this
Trust Agreement shall be automatically amended to the extent necessary to remove
or resolve the conflict. The Trustee acknowledges that it has received a copy of
the Plan, as currently constituted, and agrees to promptly provide the Trustee
with all amendments to the Plan as soon as possible after their adoption.

         E. In the event any section of this document shall become in fact or by
operation of law illegal or ineffective, it shall become a nullity without
invalidating the remaining sections. To the extent permitted by law, no benefits
under this Trust shall be subject to assignment, attachment, garnishment, levy,
execution or other legal process. No benefit, with the exception of an obvious
error, actually paid to any beneficiary shall be subject to reclaim by either
the Trustee or MBCI.

                                                                               7
MBCI OPERATING, L.P. AND
METAL COATERS OPERATING, L.P.
MANAGEMENT INCENTIVE TRUST AGREEMENT
FOR THE BENEFIT OF _________________
<PAGE>

         F. The headings, subheadings and paragraph identifiers are provided for
convenience only and as such are not part of this Trust Agreement. This Trust
may be executed in multiple counterparts, each of which shall constitute an
original of this instrument.

         G. Any notice to any party required by this instrument shall be in
writing, signed by the party giving notice, and shall be effective seven (7)
days after it is deposited, deemed given the United States Mail, postage paid,
return receipt requested, to the last known address of the party to whom the
notice need be given.

                           SECTION 12. EFFECTIVE DATE

         The effective date of this Trust Agreement shall be May 8, 1998.

                     SECTION 13. DUTIES OF THE RECORDKEEPER

         A. The Recordkeeper shall keep and maintain detailed records of each
Plan Participant's account. With respect to the individual account of each Plan
Participant, the Recordkeeper shall provide to MBCI and each Participant a
report on an annual basis which details the contributions, distributions,
changes in specific assets, cost and fair market value of assets, and earnings
thereon, which occurred during the calendar year. The report shall be
distributed within thirty (30) days after the end of each calendar year.

         B. The Recordkeeper shall, upon notice from MBCI that benefits are due
to any Participant under the Plan, calculate the amount and notify the Trustee
in a timely manner so the Trustee may distribute the benefit due. Upon
notification to the Trustee and confirmation of payment from the Trustee, the
Recordkeeper shall charge the account of the Participant accordingly.

         C. The Recordkeeper shall make its books, records and calculations open
and available for inspection by any Participant at all reasonable times and upon
reasonable notice; provided, however, that each Participant shall only be
entitled to inspect the books, records and calculations which pertain to that
Participant's individual account.

         D. The Recordkeeper shall prepare filings required by the Internal
Revenue Service and any other federal, state or local government agency relating
to the Trust.

         E. If MBCI utilizes the services of a third-party recordkeeper, then a
copy of the agreement with such recordkeeper shall be provided to Trustee.

                                                                               8
MBCI OPERATING, L.P. AND
METAL COATERS OPERATING, L.P.
MANAGEMENT INCENTIVE TRUST AGREEMENT
FOR THE BENEFIT OF _________________
<PAGE>

EXECUTED ON THIS 8TH DAY OF MAY, 1998.

METAL COATERS OPERATING, L.P.               MBCI OPERATING, L.P.

BY: /s/ Kenneth W. Maddox                   BY: /s/ Kenneth W. Maddox
    ------------------------------              --------------------------------

Printed                                     Printed
Name: Kenneth W. Maddox                     Name: Kenneth W. Maddox
      ----------------------------                ------------------------------

Title: Vice President/CFO                   Title: Vice President/CFO
       ---------------------------                 -----------------------------

                                            NATIONSBANK OF TEXAS, N.A.

                                            BY: /s/ Dennis A. Young
                                                --------------------------------

                                            Printed
                                            Name: Dennis A. Young
                                                  ------------------------------

                                            Title: Senior Vice President
                                                   -----------------------------

ACCEPTED BY:

---------------------------------------
                          , Participant
--------------------------

                                                                               9
MBCI OPERATING, L.P. AND
METAL COATERS OPERATING, L.P.
MANAGEMENT INCENTIVE TRUST AGREEMENT
FOR THE BENEFIT OF _________________

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