The XML is being passed into a Zoho URL field but the "&" is not being converted back into a "&"

Could you provide an example of a url with an ampersand in it that will result in a viable link from within Zoho?

details:

What I want the URL field to be in Zoho

http://www.whatever.com/leads?account=abcd&lead=1234

What actually gets inserted

http://www.whatever.com/leads?account=abcd&lead=1234   (BROKEN LINK)