Document:

SECOND AMENDMENT TO CREDIT AGREEMENT

 EXHIBIT 4.1 
  

SECOND AMENDMENT TO CREDIT AGREEMENT 
  
 SECOND AMENDMENT TO CREDIT AGREEMENT, dated as of February 13, 2004 (this “Agreement”), among Huttig Building Products, Inc., a
Delaware corporation (“Huttig”), the domestic subsidiaries of Huttig party hereto, as joint and several borrowers, the Lenders party hereto, and JPMorgan Chase Bank, as administrative and collateral agent for the Lenders (in
such capacities, together with its successors in such capacities, the “Agent”). 
  
 W I T N E S S E T H: 
  
 WHEREAS, Huttig, certain domestic subsidiaries of Huttig, the Lenders named therein, the Agent, and certain other parties thereto have entered into that
certain Credit Agreement dated as of August 12, 2002, as amended by the First Amendment thereto, dated as of May 30, 2003 (as amended, supplemented, or otherwise modified from time to time, the “Credit Agreement”; capitalized
terms used herein but not otherwise defined herein shall have the meanings given such terms in the Credit Agreement); and 
  
 WHEREAS, the Borrowers have requested that the Lenders and the Agent amend certain provisions of the Credit Agreement, and the Lenders and the Agent are
willing so to amend the Credit Agreement on the terms and subject to the conditions set forth herein. 
  
 NOW, THEREFORE, in consideration of the premises and the agreements herein contained, the Borrowers, the Lenders, and the Agent hereby agree as follows:

  
 Section 1. Amendments to the Credit Agreement. Upon
satisfaction of the conditions set forth in Section 3 hereof, the Credit Agreement is hereby amended, effective as of the date hereof (the “Second Amendment Effective Date”), as follows: 
  
 (a) The following definitions are hereby added to Section 1.01 of the Credit
Agreement in appropriate alphabetical order: 
  
 “Availability” means, as of any date of determination, the amount by which (a) the lesser of (i) the Borrowing Base as of such date and (ii) the aggregate Revolving Credit Commitments exceeds (b) the Total
Exposure as of such date. 
  
 “Dominion
Event” means the existence of any of the following situations: (i) Monthly Average Availability for any Fiscal Month is less than $20,000,000 or (ii) a Default or Event of Default has occurred and is continuing. 
  
 “Monthly Average Availability” means, for any Fiscal
Month, (a) the sum of the Availability at the end of each day of such fiscal month divided by (b) the number of days in such fiscal month. 
  
 “Second Amendment” means that certain Second Amendment to Credit Agreement, dated as of February
[—], 2004, among Huttig, the domestic subsidiaries of Huttig party thereto, the Lenders party thereto, and the Agent. 

 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

 “Second Amendment Effective Date” has the meaning set forth in Section 1 of the
Second Amendment. 
  
 (b) The definition of “Collateral
Account” set forth in Section 1.01 of the Credit Agreement is hereby amended and restated in its entirety as follows: 
  
 “Collateral Account” means any account established and maintained by the Borrowers or any one of them pursuant to
Section 2.03(b) at the Agent or at another financial institution reasonably acceptable to the Agent (each, a “Bank”) as an account into which all proceeds of Collateral shall be deposited pursuant to any of the
Security Document, and pursuant to any Lock Box Agreement or Controlled Account Agreement which the Borrowers or any of their Subsidiaries may enter into with the Agent or with another financial institution reasonably acceptable to the Agent.

  
 (c) The definition of “Monthly Average Collateral
Availability” set forth in Section 1.01 of the Credit Agreement is hereby deleted in its entirety. 
  
 (d) Section 2.03 of the Credit Agreement is hereby amended by replacing the phrase “Section 2.03(b)” contained in subsection (b) thereof
with the phrase “Section 2.03(c)”, re-labeling subsection (b) thereof as subsection (c), re-labeling subsection (c) thereof as subsection (d), and adding the following new subsection as subsection (b): 
  
 (b) The Borrowers shall maintain one or more Collateral Accounts
providing for control and, in the event a Dominion Event occurs and is continuing, springing dominion over all assets deposited therein. Upon the occurrence and throughout the continuation of a Dominion Event, Agent shall be entitled to deliver
notice to each Bank that such Bank shall comply with the instructions of the Agent in respect of such Collateral Account (a “Dominion Notice”). The Agent shall deliver a copy of any such Dominion Notice to the Borrowers at or
about the same time as the Agent delivers such Dominion Notice to the respective Bank. On or before the Second Amendment Effective Date, the Borrowers shall issue to each Bank an irrevocable letter of instruction (which the Borrowers will cause such
Bank to agree to) directing such Bank, upon receipt of written instructions from Agent, to comply with the instructions of Agent in respect of the Collateral Accounts maintained by such Bank, including, without limitation, any instruction to
transfer all payments or other remittances received in each such Collateral Account to Agent’s account for application on account of the Obligations as provided in Section 2.03(c). After the occurrence and during the continuance of a
Dominion Event, all funds deposited in any Collateral Account shall immediately become the property of Agent, for the ratable benefit of the Lenders, regardless of whether an instruction notice has been delivered by the Agent pursuant to this
Section, and the Borrowers shall obtain the agreement by each Bank in favor of the Agent to waive any recoupment, set-off rights, and any security interest in, or against, the funds so deposited (other than for customary items, such as returned
items and reasonable bank charges). The Agent assumes 
  

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 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

 no responsibility for any Collateral Account deposit arrangements, including, without limitation, any
claim of accord and satisfaction or release with respect to deposits accepted by any Bank thereunder. If the Agent has delivered a Dominion Notice to any Bank and, at any time after the effective date of such Dominion Notice, Monthly Average
Availability equals or exceeds $30,000,000 for any three consecutive Fiscal Months and no Default or Event of Default has occurred during such three consecutive Fiscal Month period, then the Agent agrees to rescind such Dominion Notice. Upon a
subsequent occurrence of a Dominion Event, the Agent’s rights under this Section 2.03, including, without limitation, its right to deliver Dominion Notices pursuant to this Section, shall be reinstated. 
  
 (e) Section 2.03 of the Credit Agreement is hereby further amended by
amending and restating the subsection thereof identified as subsection (c) after giving effect to this Agreement in its entirety to read as follows: 
  
 (c) Except to the extent otherwise expressly provided in any Security Document, the Agent shall, not later than 2:00 p.m. on each Banking Day when a
Dominion Event has occurred and is continuing, transfer out of the Collateral Accounts all moneys remitted thereto by Account Debtors of the Borrowers or by financial institutions at which Lock Boxes or Controlled Accounts are maintained. Any such
transfers by the Agent shall be applied, first, to the payment of accrued interest in respect of outstanding Base Rate Loans to the extent then due and payable in accordance with the terms hereof, second, to the principal amount of
outstanding Base Rate Loans, third, to accrued interest in respect of outstanding Eurodollar Loans to the extent then due and payable in accordance with the terms hereof, fourth, to the principal amount of outstanding Eurodollar Loans
(provided, that except upon the occurrence and during the continuance of an Event of Default, no payment of a Eurodollar Loan shall be made under this Section on a date other than the last day of a Eurodollar Interest Period or the
Revolving Credit Termination Date), fifth, to cash collateralize outstanding Letters of Credit in an amount not to exceed one hundred ten percent (110%) of the aggregate amount available to be drawn under all outstanding Letters of Credit,
sixth, to all other outstanding Obligations, and seventh, any amounts remaining after application pursuant to the foregoing provisions shall be paid to or at the direction of the Borrowers. 
  
 (f) Section 2.04 of the Credit Agreement is hereby amended by replacing the
phrase “Section 2.03(c)” contained in the introductory sentence thereof with the phrase “Section 2.03(d)”. 
  
 (g) Each of Sections 2.08 and 2.11 of the Credit Agreement is hereby amended by replacing the phrase “Section 2.03(b)” contained therein
with the phrase “Section 2.03(c)”. 
  

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 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

 (h) Section 8.01 of the Credit Agreement is hereby amended by deleting the word “Collateral”
each time it appears therein. 
  
 (i) Section 9.01(l) of the
Credit Agreement is hereby amended by inserting the following text immediately before the period contained in such section: 
  
 ; provided, however, that it shall not constitute an Event of Default under this Section 9.01(l) for the Borrowers
to withdraw or attempt to withdraw funds from a Collateral Account that at the time of such withdrawal or attempted withdrawal is not subject to the dominion of the Agent pursuant to Section 2.03(b) 
  
 Section 2. Conditions Precedent. The effectiveness of this Agreement
is subject to the satisfaction of the following conditions: 
  
 (a) Second Amendment. Each of the Borrowers and the Required Lenders shall have delivered a duly executed counterpart of this Agreement to the Agent. 
  
 (b) Officer’s Certificate. The Borrowers shall have delivered to the Agent a certificate of a duly authorized
officer of each of the Borrowers dated the date of this Agreement, in form and substance satisfactory to the Agent, to the effect that, after giving effect to this Agreement, (a) all of the representations and warranties set forth in the Facility
Documents are true and correct in all material respects on and as of the date hereof with the same effect as though made on the date hereof, except to the extent that such representations and warranties expressly relate to an earlier date, (b) none
of the Borrowers is in violation of any of the covenants contained in this Agreement and the other Facility Documents, and (c) no Default or Event of Default has occurred and is continuing. 
  
 (c) Delivery of Instruction to Banks. The Borrowers shall have (i)
issued to each Bank (as defined in Section 1(b) of this Agreement) an irrevocable letter of instruction directing such Bank, upon receipt of written instructions from Agent, to comply with the instructions of Agent in respect of the Collateral
Accounts maintained by such Bank, including, without limitation, any instruction to transfer all payments or other remittances received in each such Collateral Account to Agent’s account for application on account of the Obligations as provided
in Section 2.03(c), and (ii) caused each such Bank to agree to such letter of instruction in writing. 
  
 (d) Amendments to Controlled Account Agreements. The Borrowers shall cause each of the Controlled Account Agreements governing any Collateral
Accounts to be amended to provide for springing dominion by the Agent over all assets deposited therein in accordance with the provisions of the Credit Agreement as amended hereby, each such amendment to be in form and substance reasonably
acceptable to the Agent. 
  
 (e) Amendment Fee. The
Borrowers shall have paid to the Agent for the pro rata account of the Lenders party hereto a nonrefundable amendment fee of $50,000. 
  
 (f) Agent Fees and Expenses. The Borrowers shall have paid all fees and expenses (including, without limitation, legal fees and expenses) incurred
by the Agent in connection with this Agreement. 
  

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 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

 Section 3. Miscellaneous. 
  
 (a) No Waiver. Except as expressly set forth herein, this Agreement shall not by implication or otherwise limit,
impair, constitute a waiver of, or otherwise affect the rights and remedies of the Agent or any Lender under the Facility Documents, and shall not alter, modify, amend or in any way affect any of the terms, conditions, obligations, covenants or
agreements contained in the Facility Documents, all of which are ratified and affirmed in all respects and shall continue in full force and effect. Nothing herein shall be deemed to entitle the Borrowers to a consent to, or a waiver, amendment,
modification or other change of, any of the terms, conditions, obligations, covenants or agreements contained in the Facility Documents in similar or different circumstances. 
  
 (b) No Representations by Lenders or Agent. Each Borrower hereby acknowledges that it has not relied on any
representation, written or oral, express or implied, by any Lender or the Agent, other than those expressly contained herein, in entering into this Agreement. 
  

(c) Representations of the Borrowers. Each Borrower represents and warrants to the Agent and the Lenders that, after giving effect to
this Agreement, (a) the representations and warranties set forth in the Facility Documents are true and correct in all material respects on and as of the date hereof with the same effect as though made on the date hereof, except to the extent that
such representations and warranties expressly relate to an earlier date, (b) none of the Borrowers is in violation of any of the covenants contained in this Agreement and the other Facility Documents, and (c) no Default or Event of Default has
occurred and is continuing. 
  
 (d) General Release.
In consideration of, among other things, the agreements provided for herein, each of the Borrowers, on behalf of itself and its Subsidiaries and its and their successors and assigns (collectively, the “Releasing Persons”),
hereby forever waives, releases and discharges to the fullest extent permitted by law any and all claims (including, without limitation, cross-claims, counterclaims, defenses, rights of set-off and recoupment), causes of action, demands, suits,
costs, expenses and damages (collectively, the “Claims”), that any Releasing Person now has, of whatever nature and kind, whether known or unknown, whether arising at law or in equity, against any or all of (i) the Agent, the
Syndication Agent, the Managing Agent, the Co-Agent, the Documentation Agent, and each Lender, (ii) each of the Affiliates of the Persons identified in the foregoing clause (i), (iii) the respective successors and assigns of each of the Persons
identified in the foregoing clauses (i) and (ii), and (iv) each and all of the officers, directors, employees, agents, attorneys and other representatives of each of the Persons identified in the foregoing clauses (i), (ii), and (iii) (collectively,
the “Released Persons”), based in whole or in part on facts, whether or not now known, existing on or before the execution of this Agreement relating to the Credit Agreement or any of the other Facility Documents or any act
or omission of any Released Person in connection with the credit extended thereunder; provided that the releases contained herein shall not affect, excuse or absolve the Agent, the Syndication Agent, the Managing Agent, the Co-Agent,
the Documentation Agent, or any Lender from performing its obligations under the Credit Agreement or any of the other Facility Documents. The execution and delivery by the Borrowers of this Agreement, and the acceptance by them of any Loans or other
financial accommodations made by the Agent or any Lender after the date hereof shall constitute a ratification, adoption and confirmation by the Releasing Persons of the foregoing general release of all Claims against any Released Person that are
based in whole or in part on facts, whether or not now known or unknown, existing on or prior to the date of this Agreement. In entering into this Agreement, each of the Borrowers has consulted with and been represented by counsel and expressly
disclaims any reliance on any representations, acts or omissions by any of the Released Persons and hereby agrees and 

  

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 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

 
acknowledges that the validity and effectiveness of the release set forth above do not depend in any way on any such representations, acts and/or omissions
or the accuracy, completeness or validity thereof. The provisions of this Section shall be operative as of the Second Amendment Effective Date and shall survive the termination of this Agreement, the Credit Agreement and the other Facility Documents
and payment in full of all amounts owing thereunder. 
  
 (e)
Successors and Assigns. This Agreement shall be binding upon the parties hereto and their respective successors and assigns and shall inure to the benefit of the parties hereto and the successors and assigns of the Lenders and the Agent.

  
 (f) Headings. The headings and captions
hereunder are for convenience only and shall not affect the interpretation or construction of this Agreement. 
  
 (g) Severability. The provisions of this Agreement are intended to be severable. If for any reason any provision of this Agreement shall be
held invalid or unenforceable in whole or in part in any jurisdiction, such provision shall, as to such jurisdiction, be ineffective to the extent of such invalidity or unenforceability without in any manner affecting the validity or enforceability
thereof in any other jurisdiction or the remaining provisions hereof in any jurisdiction. 
  
 (h) Counterparts. This Agreement may be executed in any number of counterparts, all of which taken together shall constitute one and the same instrument, and any party hereto may execute this Agreement
by signing any such counterpart. Delivery of an executed counterpart of a signature page to this Agreement by telecopier shall be effective as delivery of a manually executed counterpart of this Agreement. 
  
 (i) Governing Law. The whole of this Agreement and the rights
and obligations of the parties hereto shall be governed, construed and interpreted in accordance with, the laws of the State of New York without regard to any conflicts-of-laws rules which would require the application of the laws of any other
jurisdiction. 
  
 (j) Jurisdiction, Venue and
Service. Each of the Borrowers hereby irrevocably consents and submits to the nonexclusive jurisdiction and venue of all federal and state courts located in the County of New York, State of New York and consents that any order, process, notice
of motion or other application to or by any of said courts or a judge thereof may be served within or without such court’s jurisdiction by registered mail or by personal service, provided a reasonable time for appearance is allowed, in
connection with any action or proceeding arising out of, under or relating to this Agreement. At the option of the Agent, upon the instructions of the Required Lenders, the Borrowers may be joined in any action or proceeding commenced by the Agent
or the Lenders against any Borrower or Guarantor in connection with or based on this Agreement, and recovery may be had against the Borrowers in such action or proceeding or in any independent action or proceeding against the Borrowers, without any
requirement that the Agent or the Lenders first assert, prosecute or exhaust any remedy or claim against any Borrower or Guarantor. Each of the Borrowers hereby irrevocably waives (to the fullest extent permitted by applicable law) any objection
that it may now or hereafter have to the laying of venue of any suit, action or proceeding arising out of, under or relating to this Agreement brought in any federal or state court located in the County of New York, State of New York, and hereby
further irrevocably waives (to the fullest extent permitted by applicable law) any claim that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum. 
  

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 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

 (k) Waiver of Jury Trial. EACH OF THE AGENT, THE LENDERS, AND THE BORROWERS HEREBY KNOWINGLY,
VOLUNTARILY AND INTENTIONALLY WAIVES (TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW) ANY RIGHT IT MAY HAVE TO A TRIAL BY JURY OF ANY DISPUTE ARISING UNDER OR RELATING TO THIS AGREEMENT, AND AGREES THAT ANY SUCH DISPUTE SHALL BE TRIED BEFORE A
JUDGE SITTING WITHOUT A JURY. IN ADDITION, EACH OF THE AGENT, THE LENDERS, AND THE BORROWERS WAIVES THE RIGHT TO INTERPOSE ANY DEFENSE BASED UPON ANY STATUTE OF LIMITATIONS OR ANY CLAIM OF LACHES AND ANY SET-OFF OR COUNTER CLAIM OF ANY NATURE OR
DESCRIPTION. EACH OF THE AGENT, THE LENDERS, AND THE BORROWERS ACKNOWLEDGES THAT THE FOREGOING WAIVERS ARE FREELY MADE. 
  
 (Signature Pages Follow) 
  

 7 

 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

 IN WITNESS WHEREOF, the undersigned have caused this Agreement to be duly executed and delivered as of
the date first above written. 
  

			
	 BORROWERS:

	
	 HUTTIG BUILDING PRODUCTS, INC.,

	 a Delaware corporation

		
	 By:
	 	 /s/ Thomas S. McHugh

	 Name:
	 	 Thomas S. McHugh

	 Title:
	 	 Vice President – Finance &
 Chief Financial Officer

	
	 HUTTIG, INC.,

	 a Delaware corporation

		
	 By:
	 	 /s/ Thomas S. McHugh

	 Name:
	 	 Thomas S. McHugh

	 Title:
	 	 Vice President – Finance &
 Chief Financial Officer

  

 8 

 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

			
	 JPMORGAN CHASE BANK,

	 as Agent and as a Lender

		
	 By:
	 	 /s/    JAMES M.
DAILEY        

	 Name:
	 	James M. Dailey
	 Title:
	 	Vice President

  
  

 9 

 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

			
	 BANK OF AMERICA, N.A.,

	 as a Lender

		
	 By:
	 	 /s/    DANIEL
PETRICK        

	 Name:
	 	Daniel Petrick
	 Title:
	 	Vice President

  
  

 10 

 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

			
	 LASALLE BANK NATIONAL ASSOCIATION,

	 as a Lender

		
	 By:
	 	 /s/    DAVID B. VANDE
VEN        

	 Name:
	 	David B. Vande Ven
	 Title:
	 	Commercial Lending Officer

  
  

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 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

			
	 GENERAL ELECTRIC CAPITAL
 CORPORATION,
 as a Lender

		
	 By:
	 	 /s/    LEANNE C.
MANNING        

	 Name:
	 	Leanne C. Manning
	 Title:
	 	Duly Authorized Signatory

  

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 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

			
	 TRANSAMERICA BUSINESS CAPITAL CORPORATION,
 as a Lender

		
	 By:
	 	 /s/    LEANNE C.
MANNING        

	 Name:
	 	Leanne C. Manning
	 Title:
	 	Duly Authorized Signatory

  

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 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

			
	 CONGRESS FINANCIAL CORPORATION
 (CENTRAL),
 as a Lender

		
	 By:
	 	 /s/    GERALD C.
WORDELL        

	 Name:
	 	Gerald C. Wordell
	 Title:
	 	Vice President

  

 14 

 SECOND AMENDMENT 
 TO HUTTIG CREDIT AGREEMENT 
  

			
	 PNC BANK, NATIONAL ASSOCIATION,
 as a Lender

		
	 By:
	 	 /s/    RICHARD F. MUSE,
JR.        

	 Name:
	 	Richard F. Muse, Jr.
	 Title:
	 	Sr. Vice President

  

 15EXHIBIT 10.1

                       CONSULTING AND MARKETING AGREEMENT

This  agreement  is  entered  into by Destin  Sands  International,  hereinafter
referred to "Consultant",  and Zkid Network Company,  hereinafter referred to as
"ZNC",  and sets forth the terms and  conditions  for services to be rendered by
Consultant on behalf of ZNC.

SERVICES OF THE CONSULTANT

Destin Sands  International  will serve as your  consultant to advise and assist
you on the formulation and implementation of management directives.

These services include, but are not be limited to, the following:

o Assistance  in connection  with  potential  acquisition,  merger and strategic
transactions.

o Advice  concerning the formulation and  implementation  of various  management
programs intended to achieve targeted corporate objectives.

o Advice concerning future restructuring of ZNC.

o Advice and recommendations on marketing,  advertising placement,  online viral
marketing programs and platforms and other marketing activities.

TIMING, FEES AND EXPENSES

1.  Consultant will commence its work with ZNC  immediately.  For the consulting
services  provided during the term of the engagement,  Consultant  charges a one
time up front fee of 2 million shares of registered stock at a $.001 cost basis,
and an option to  purchase 3 million  registered  shares of the  Company at $.11
collectively  representing the "Consulting Fee". The consulting services will be
for a  period  of 1 year.  If ZNC  desires  to  terminate  the  services  of the
Consultant  prior to the expiration of this  agreement,  the Consultant  will be
entitled to retain the entire  consulting fee and no pro-ration of this fee will
be made.

2.  ZNC will  issue  to  Consultant  within  10  business  days of  signing  the
Consulting and Marketing Agreement receipt of the Consulting Fee.

3. Travel  expenses.  All of  Consultant's  travel,  lodging,  meals and airfare
incurred on ZNC's behalf,  over $250,  shall be  pre-approved.  Airfare shall be
pre-paid  directly by ZNC (rather than paid by, and  subsequently  reimbursed to
Consultant).

o All remittances will be made to Consultant.

ADDITIONAL TERMS

This Agreement will commence with your signing this Agreement, and will continue
for a period of 365 days.

1. Consultant's relationship with ZNC shall be that of an independent contractor
and not that of an  employee.  Consultant  will not be eligible for any employee
benefits,  nor will ZNC make  deductions  from the  consulting  fees for  taxes,
insurance,  bonds  or  any  other  subscription  of any  kind,  which  shall  be
Consultant's  sole  responsibility.  Consultant  will  use its best  efforts  in
performing the services under this Agreement, within the scope of work specified
in this Agreement.  The Consultant may use contractors or other third parties of
Consultant's choice to assist in rendering such services.

2. Confidentiality and non-disclosure. ZNC, their officers, directors, employees
and/or agents, understand that Consultant considers its investors,  source firms
and compensation arrangements to be confidential and proprietary, and agrees not
to disclose  any such  information  to any person or firm outside of ZNC without
prior  written  consent  from  Consultant,  except  as  required  by law.  ZNC's
obligations under this paragraph shall survive termination of this Agreement for
a period of 24 months.

<PAGE>

3. Consultant  shall keep in confidence and shall not disclose or make available
to third parties or make any use of any information or documents relating to the
products, methods of manufacture,  trade secrets, processes, business or affairs
or confidential or proprietary information of ZNC (other than information in the
public  domain  through no fault of  Consultant),  except with the prior written
consent of ZNC. Upon termination of this Agreement Consultant will, upon request
by ZNC,  return all  documents,  and other  materials  related  to the  services
provided  hereunder  furnished to  Consultant by ZNC.  Consultant's  obligations
under this paragraph shall survive termination of this Agreement.

4.  Consultant  and ZNC further agree to indemnify and hold each other  harmless
from and against any and all losses,  claims or damages,  including any legal or
other expenses  reasonably  incurred,  in connection with defending  against any
litigation,  whether commenced or threatened,  to which either ZNC or Consultant
may become  subject under any statute,  caused by, or arising out of any service
under this Agreement;  provided,  however, that neither party shall be liable in
any such case to the  extent  that any loss or damage is found to have  resulted
from the  other  party's  gross  negligence,  intentional  misrepresentation  or
violation of any statute or regulation.

5. In the event that any controversy or claim arises out of this Agreement,  the
parties  hereto shall  negotiate in good faith to resolve  such  controversy  or
claim.  If such  controversy  or claim cannot be settled by the parties  through
negotiation,  such controversy or claim shall be settled by binding arbitration.
During the arbitration, both parties shall continue to perform their obligations
under this Agreement  unless the Agreement has been  terminated.  In addition to
any other  recovery,  the  prevailing  party  shall be  entitled  to recover its
reasonable attorneys' fees and costs thereby incurred.

6. If any provision of this Agreement is held to be invalid or  unenforceable to
any extent in any  context,  it shall  nevertheless  be  enforced to the fullest
extent allowed by law in that and other contexts,  and the validity and force of
the remainder of this Agreement shall not be affected thereby. Further, a waiver
of the non-performance of any provision of this Agreement must be in writing and
shall  apply  only to the  particular  non-performance  involved  and  shall not
constitute an amendment,  change or  modification  of this Agreement or apply to
any other performance requirement.

7. This agreement shall inure to the benefit of and be binding on the respective
parties  hereto and the  respective  executors,  administrators,  successors and
assigns.

8. If accepted by ZNC and Consultant  below,  this Agreement shall  constitute a
binding agreement between ZNC and Consultant. This Agreement reflects the entire
agreement between ZNC and Consultant, and the terms herein shall not be modified
except by a written  amendment  signed by the parties  hereto.  The  signatories
below  acknowledge  that they have the necessary  authority of their  respective
parties, including board approval, if required, to enter into this Agreement.

9. This  Agreement  shall be governed by, and construed in accordance  with, the
laws of the State of New Jersey.

10. The Consultant is not a registered  broker and will not provide the services
of a broker. If it is necessary to utilize the services of a registered  broker,
any fees and/or costs of such a broker shall be borne by ZNC.

                                            AGREED AND ACCEPTED:

Destin Sands International                  ZKID NETWORK COMPANY

Signature:    /S/ Paola Barba               Signature: /S/ Jon Darmstadter
              ------------------------                 ----------------------
Title:        President                     Title:     President
              ------------------------                 ----------------------
Date:         02/17/04                      Date:      02/17/04
              ------------------------                 -----------------------

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