Exhibit 10(i)

1

CONFORMED COPY

FIRST AMENDMENT dated as of November 5, 2002 (this “Amendment”), to the
FIVE-YEAR CREDIT AGREEMENT dated as of November 6, 2001 (the “Existing Credit
Agreement”, and, as amended hereby, the “ Credit Agreement”), among AMERICAN
STANDARD COMPANIES INC., a Delaware corporation (“Holdings”); AMERICAN STANDARD
INC., a Delaware corporation (the “Company ”); AMERICAN STANDARD INTERNATIONAL
INC., a Delaware corporation (“ASII”); the BORROWING SUBSIDIARIES from time to
time party thereto (the “Borrowing Subsidiaries”, and, together with the Company
and ASII, the “Borrowers”); the LENDERS from time to time party thereto;
JPMORGAN CHASE BANK, as Administrative Agent (in such capacity, the
“Administrative Agent”), as Issuing Bank and as Swingline Lender; and J.P.
MORGAN EUROPE LIMITED, as London Agent and as Belgian Agent.

The Company has requested that certain provisions of the Existing Credit
Agreement be amended as set forth herein to provide for the termination of the
Italian Tranche and the addition of a Belgian Tranche and to convert in whole or
in part the Italian Tranche Commitments and US Tranche Commitments of certain
Lenders into US Tranche Commitments and Belgian Tranche Commitments, as
applicable, and the undersigned Lenders, representing the Required Lenders, the
Italian Tranche Lenders and the Lenders who are converting Commitments, in whole
or in part, are willing so to amend the Credit Agreement on the terms and
subject to the conditions set forth herein. Capitalized terms used but not
defined herein shall have the meanings assigned to them in the Credit Agreement.

Accordingly, in consideration of the mutual agreements herein contained and
other good and valuable consideration, the sufficiency and receipt of which are
hereby acknowledged, the parties hereto agree as follows:

SECTION 1. Amendments. (a) Section 1.01 is hereby amended as follows:

(i) Chase. The definition of the term “Chase” is hereby amended to read as
follows:

““JPMCB” means JPMorgan Chase Bank and its successors.”

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement to “The Chase Manhattan Bank” or “Chase” is amended to
refer to “ JPMorgan Chase Bank” or “JPMCB”.

(ii) CMIL. The definition of the term “CMIL” is hereby amended to read as
follows:

““JPMEL” means J.P. Morgan Europe Limited and its successors.”

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

 

2

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement to “Chase Manhattan International Limited” or to “CMIL”
is amended to refer to “J.P. Morgan Europe Limited” or to “JPMEL”.

(iii) Belgian Agent. The definition of the term “Italian Agent” is hereby
amended to read as follows:

“Belgian Agent” means JPMEL, in its capacity as Belgian agent for the Lenders
hereunder, or any successor thereto appointed in accordance with Article VII.”

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement to the “Italian Agent” is amended to refer to the
“Belgian Agent”.

(iv) Belgian Borrowing Subsidiary. The definition of the term “Italian Borrowing
Subsidiary” is hereby amended to read as follows:

““Belgian Borrowing Subsidiary” means any Subsidiary that is incorporated or
otherwise organized under the laws of Belgium or any political subdivision
thereof that has been designated as such pursuant to Section 2.20 and that has
not ceased to be a Belgian Borrowing Subsidiary as provided in such Section.”

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement to an “Italian Borrowing Subsidiary” or to “Italian
Borrowing Subsidiaries” is amended to refer to a “Belgian Borrowing Subsidiary”
or to “Belgian Borrowing Subsidiaries”.

(v) Belgian Lending Office. The definition of the term “Italian Lending Office”
is hereby amended to read as follows:

““Belgian Lending Office” means, as to any Belgian Tranche Lender, the
applicable branch, office or Affiliate of such Belgian Tranche Lender designated
by such Belgian Tranche Lender to make Loans in Euro to the Belgian Borrowing
Subsidiaries.”

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement an “Italian Lending Office” is amended to refer to a
“Belgian Lending Office”.

(vi) Belgian Tranche Commitment. The definition of the term “Italian Tranche
Commitment” is hereby amended to read as follows:

““Belgian Tranche Commitment” means, with respect to each Belgian Tranche
Lender, the commitment of such Belgian Tranche Lender to make Belgian Tranche
Revolving Loans pursuant to Section 2.01(b), expressed as an amount representing
the maximum aggregate permitted amount of such Lender’s Belgian Tranche
Revolving Credit Exposure hereunder, as such commitment may be (a) reduced from
time to time pursuant to Section 2.09 and (b) reduced or increased from time

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

 

3

to time pursuant to assignments by or to such Lender pursuant to Section 10.04.
The initial amount of each Belgian Tranche Lender’s Belgian Tranche Commitment
is set forth on Schedule 2.01 or in the Assignment and Acceptance pursuant to
which such Belgian Tranche Lender shall have assumed its Belgian Tranche
Commitment, as applicable. The aggregate amount of the Belgian Tranche
Commitments on the date hereof is US$145,000,000.”

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement to an “Italian Tranche Commitment” is amended to refer
to a “Belgian Tranche Commitment”. The Italian Tranche Commitment is hereby
terminated.

(vii) Belgian Tranche Lender. The definition of the term “Italian Tranche
Lender” is hereby amended to read as follows:

““Belgian Tranche Lender” means a Lender with a Belgian Tranche Commitment or
with outstanding Belgian Tranche Revolving Loans.”

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement to an “Italian Tranche Lender” is amended to refer to a
“Belgian Tranche Lender”.

(viii) Belgian Tranche Percentage. The definition of the term “Italian Tranche
Percentage” is hereby amended to read as follows:

““Belgian Tranche Percentage” means, with respect to any Belgian Tranche Lender,
the percentage of the aggregate Belgian Tranche Commitments represented by such
Lender’s Belgian Tranche Commitment. If the Belgian Tranche Commitments have
terminated or expired, the Belgian Tranche Percentages shall be determined based
upon the Belgian Tranche Commitments most recently in effect, giving effect to
any assignments.”

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement to an “Italian Tranche Percentage” is amended to refer
to a “Belgian Tranche Percentage”.

(ix) Belgian Tranche Revolving Borrowing. The definition of the term “Italian
Tranche Revolving Borrowing” is hereby amended to read as follows:

““Belgian Tranche Revolving Borrowing ” means a Borrowing comprised of Belgian
Tranche Revolving Loans.”

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

 

4

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement to an “Italian Tranche Revolving Borrowing” is amended
to refer to a “Belgian Tranche Revolving Borrowing”.

(x) Belgian Tranche Revolving Credit Exposure. The definition of the term
“Italian Tranche Revolving Credit Exposure” is hereby amended to read as
follows:

““Belgian Tranche Revolving Credit Exposure ” means, at any time, the sum of (a)
the aggregate principal amount of the Belgian Tranche Revolving Loans
denominated in US Dollars at such time and (b) the aggregate principal amount of
the US Dollar Equivalents of the Belgian Tranche Revolving Loans denominated in
Designated Foreign Currencies outstanding at such time. The Belgian Tranche
Revolving Credit Exposure of any Lender at any time shall be such Lender’s
Belgian Tranche Percentage of the total Belgian Tranche Revolving Credit
Exposure at such time.”

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement to “Italian Tranche Revolving Credit Exposure” is
amended to refer to “Belgian Tranche Revolving Credit Exposure”.

(xi) Belgian Tranche Revolving Loan. The definition of the term “Italian Tranche
Revolving Loan” is hereby amended to read as follows:

““Belgian Tranche Revolving Loan” means a Loan made by a Belgian Tranche Lender
pursuant to Section 2.01(b). Each Belgian Tranche Revolving Loan denominated in
US Dollars shall be a Eurocurrency Loan or an ABR Loan.”

and as so amended is moved to its proper alphabetical position. Each reference
in the Credit Agreement to an “Italian Tranche Revolving Loan” is amended to
refer to a “Belgian Tranche Revolving Loan”.

(xii) Excluded Taxes. The definition of “Excluded Taxes” is hereby amended by
deleting each occurrence of the word “Italy” and substituting therefor “Belgium”
and by deleting the phrase “an Italian Lender” in (d) thereof and substituting
therefor “a Belgian Tranche Lender”.

(xiii) Local Time. The definition of “Local Time” is hereby amended by deleting
the word “Milan” and substituting therefor “Brussels”.

(xiv) 364-Day Credit Agreement. The definition of the term “364-Day Credit
Agreement” is hereby amended by deleting the phrase “the date hereof” and
substituting therefor “November 6, 2001, as amended and restated”.

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

 

5

(b) Section 2.07(a) is amended by deleting the word “Milan” in the second
sentence thereof and substituting therefor “Brussels”.

(c) Section 2.17(e) is amended by deleting the word “Italy” and substituting
therefor “Belgium”.

(d) Section 2.20 is amended by deleting the word “Italy” and substituting
therefor “Belgium”.

(e) Schedule 2.01 to the Credit Agreement is replaced with Schedule 2.01 hereto.

SECTION 2. Representations and Warranties. Holdings represents and warrants to
the Lenders as to itself and each Subsidiary, and the Company, ASII and each
other Borrowing Subsidiary represents and warrants to the Lenders as to itself
and its subsidiaries, as of the date hereof and as of the Effective Date that:

(a) Before and after giving effect to this Amendment, the representations and
warranties set forth in the Credit Agreement are true and correct in all
material respects with the same effect as if made on the Effective Date, except
to the extent such representations and warrants expressly relate to an earlier
date.

(b) At the time of and after giving effect this Amendment, no Default has
occurred and is continuing.

SECTION 3. Conditions to Effectiveness. This Amendment shall become effective as
of the date first written above (the “Effective Date”) at such time as each of
the following conditions is satisfied (or waived in accordance with Section
10.02 of the Credit Agreement):

(a) The Administrative Agent (or its counsel) shall have received from Holdings,
the Company, ASII, the Belgian Agent, the Required Lenders, each Italian Tranche
Lender and each Lender whose Italian Tranche Commitment or US Tranche Commitment
is, by the amendment of Schedule 2.01 provided for above, being converted in
whole or in part to a US Tranche Commitment or Belgian Tranche Commitment, as
applicable, either (i) a counterpart of this Amendment signed on behalf of such
party or (ii) written evidence satisfactory to the Administrative Agent (which
may include telecopy transmission of a signed signature page of this Amendment)
that such party has signed a counterpart of this Amendment.

(b) The Guarantee Requirement shall be satisfied.

(c) The Administrative Agent (or its counsel) shall have received such documents
and certificates, including such opinions of counsel, as the Administrative
Agent or its counsel may reasonably request relating to the organization,
existence and good standing (to the extent such concept is relevant in its
jurisdiction of organization) of ASE Finance S.P.R.L., the authorization of the
Transactions and any other legal matters

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

 

6

relating to ASE Finance S.P.R.L., this Amendment, the Credit Agreement or the
Transactions, all in form and substance satisfactory to the Administrative Agent
and its counsel.

(d) Any Italian Tranche Revolving Loans outstanding under the Existing Credit
Agreement shall have been repaid, together with all interest, fees and other
amounts accrued thereunder, and the Italian Tranche Commitment has been
terminated.

(e) The Administrative Agent (or its counsel) shall have received a certificate,
dated the Effective Date and signed by the President, a Vice President or a
Financial Officer of Holdings, the Company and ASII, confirming compliance with
the conditions set forth in paragraphs (a) and (b) of Section 4.02 of the Credit
Agreement and paragraph (b) of this Section 3.

(f) The Administrative Agent shall have received all fees and other amounts due
and payable on or prior to the Effective Date required to be paid by Holdings or
any Borrower or Subsidiary under the Existing Credit Agreement.

The Administrative Agent shall notify the Credit Parties and the Lenders in
writing of the Effective Date, and such notice shall be conclusive and binding.

SECTION 4. Loans Outstanding Under the Existing Credit Agreement; Condition to
Borrowing.

(a) Holdings, the Company and ASII agree that each US Tranche Revolving Loan
outstanding under the Existing Credit Agreement, together with all interest,
fees and other amounts accrued thereunder, shall be repaid at the end of its
current Interest Period as set forth on Schedule 4 and, if the Company shall so
elect, reborrowed from the US Tranche Lenders ratably in accordance with their
US Tranche Commitments, as amended hereby.

(b) The parties hereto acknowledge that the US Tranche Commitments and the
Belgian Tranche Commitments are as provided in Schedule 2.01 (as amended by
Section 1(e) of this Amendment) as of the Effective Date. Holdings and the
Borrowers agree that no Lender will be required to make any Loan while any US
Tranche Revolving Loans are outstanding under paragraph (a) above if after
giving effect to such Loan any Lender’s Revolving Credit Exposure (including any
US Tranche Revolving Loans outstanding under paragraph (a) above) would exceed
the sum of that Lender’s US Tranche Commitment and Belgian Tranche Commitment,
as reflected on Schedule 2.01 (as amended by Section 1(e) of this Amendment).

SECTION 5. Effect of Amendment. Except as expressly set forth herein, this
Amendment shall not by implication or otherwise limit, impair, constitute a
waiver of, or otherwise affect the rights and remedies of Holdings, the Lenders,
the Administrative Agent or the Borrowers under the Credit Agreement or any
other Loan Document, and shall not alter, modify, amend or in any way affect any
of the terms, conditions, obligations, covenants or

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

 

7

agreements contained in the Credit Agreement or any other Loan Document, 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 any Borrower 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 Credit
Agreement or any other Loan Document in similar or different circumstances. This
Amendment shall apply and be effective only with respect to the provisions of
the Credit Agreement specifically referred to herein. This Amendment shall
constitute a “Credit Document” under the Credit Agreement.

SECTION 6. Expenses. The Borrower hereby agrees to reimburse the Administrative
Agent for its out-of-pocket expenses in connection with this Amendment,
including the reasonable fees, charges and disbursements of Cravath, Swaine &
Moore, counsel for the Administrative Agent.

SECTION 7. Counterparts. This Amendment may be executed in any number of
counterparts and by different parties hereto on separate counterparts, each of
which when so executed and delivered shall be deemed an original, but all of
which when taken together shall constitute a single instrument. Delivery of an
executed counterpart of a signature page of this Amendment by facsimile
transmission shall be as effective as delivery of a manually executed
counterpart hereof.

SECTION 8. Applicable Law. THIS AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.

SECTION 9. Headings. The headings of this Amendment are for purposes of
reference only and shall not limit or otherwise affect the meaning hereof.

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

 

8

IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly
executed by their duly authorized officers, all as of the date and year first
above written.

  AMERICAN STANDARD COMPANIES INC.               by           /s/ R. Scott
Massengill        

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

        Name: R. Scott Massengill         Title: Vice President & Treasurer    
                    AMERICAN STANDARD INC.               by           /s/ R.
Scott Massengill        

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

        Name: R. Scott Massengill         Title: Vice President & Treasurer    
                    AMERICAN STANDARD INTERNATIONAL INC.               by      
    /s/ R. Scott Massengill        

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

        Name: R. Scott Massengill         Title: Vice President & Treasurer    
                    JPMORGAN CHASE BANK               by           /s/ Randolph
Cates        

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

        Name: Randolph Cates         Title: Vice President                      
  J.P. MORGAN EUROPE LIMITED, as Belgian Agent               by           /s/ 
N. Hall                                    /s/  C. Walsh        

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

        Name: N. Hall                              C. Walsh         Title:
Associate                            Associate  

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

 

9

                      CITIBANK, N.A.               by           /s/ John S.
Hutchins        

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

        Name: John S. Hutchins         Title: Managing Director                
        ABN AMRO BANK N.V.               by           /s/ Richard Schrage, James
S. Kreitler        

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

        Name: Richard Schrage       James S. Kreitler         Title: Vice
President Senior Vice President                         BAYERISCHE HYPO-UND
VEREINSBANK   AG, New York Branch               by           /s/ Steven Atwell,
Lara Lorenzana        

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

        Name: Steven Atwell          Lara Lorenzana         Title: Director   
                   Associate Director                         BANCA NATIONALE
DEL LAVORO S.P.A.,   New York Branch               by           /s/ Francesco Di
Mario, Leonardo Valentini        

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

        Name: Francesco Di Mario         Title: Vice President         Name:
Leonardo Valentini         Title: First Vice President                        
INTESABCI, New York Branch               by           /s/ Charles Dougherty,
Frank Maffei        

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

        Name: Charles Dougherty Frank Maffei         Title: Vice President  
         Vice President                      

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

 

10

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Allied Irish Banks, PLC        

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

              by           /s/ Germaine Reusch      

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

      Name: Germaine Reusch       Title: Senior Vice President             by  
      /s/ Denise Magyer      

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

      Name: Denise Magyer       Title: Senior Vice President            

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

 

11

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: ABN Amro Bank N.V.        

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

              by           /s/ Richard Schrage, James S. Kreitler      

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

      Name: Richard Schrage               James S. Kreitler       Title: Vice
President                      Senior Vice President                      

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

 

12

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Banca Nazionale Del Lavoro S.p.A.        

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

        New York Branch        

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

              by           /s/ Francesco Di Mario, Leonardo Valentini      

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

      Name: Francesco Di Mario               Leonardo Valentini       Title:
Vice President                            First Vice President            

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

 

13

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Bank of America, N.A.        

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

              by           /s/ J. Pocalyko      

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

      Name: J. Pocalyko       Title: Managing Director  

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

 

14

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: The Bank of New York        

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

              by           /s/ Ernest Fung      

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

      Name: Ernest Fung       Title: Vice President            

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

 

15

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: The Bank of Nova Scotia        

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

              by           /s/ Todd S. Meller      

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

      Name: Todd S. Meller       Title: Managing Director  

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

 

16

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Bank of Tokyo-Mitsubishi Trust Company        

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

              by           /s/ Spencer Hughes      

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

      Name: Spencer Hughes       Title: Vice President  

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

 

17

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Barclays Bank PLC        

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

              by           /s/ Douglas Bernegger      

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

      Name: Douglas Bernegger       Title: Director  

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

 

18

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Credit Agricole Indosuez        

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

              by           /s/ Richard A. Drennan      

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

      Name:  Richard A. Drennan       Title:  Vice President & Sr. Relationship
Manager             by         /s/ Charles Hiatt      

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

      Name:  Charles Hiatt       Title:  Manager  

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

 

19

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Credit Industriel Et Commercial        

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

              by           /s/ Sean Mounier, Marcus Edward      

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

      Name:  Sean Mounier            Marcus Edward       Title:  First Vice
President     Vice President  

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

 

20

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Credit Lyonnais New York Branch        

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

              by           /s/ Attila Koc      

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

      Name:  Attila Koc       Title:  Senior Vice President  

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

 

21

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Fleet National Bank        

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

              by           /s/ Irene Bertozzi-Bartenstein      

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

      Name:  Irene Bertozzi-Bartenstein       Title:  Vice President  

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

 

22

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: HSBC Bank USA        

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

              by           /s/ Sarah McClintock      

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

      Name:  Sarah McClintock       Title:  First Vice President  

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

 

23

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: The Industrial Bank of Japan Trust Company        

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

              by           /s/ Koichi Hasegawa      

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

      Name:  Koichi Hasegawa       Title:  Senior Vice President  

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

 

24

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Lloyds TSB Bank PLC        

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

              by           /s/ Catherine Rankin, Paul Briamonte      

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

      Name:  Catherine Rankin      Paul D. Briamonte       Title:  Vice
President             Director-Project Finance (USA)  

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

 

25

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THEAMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Natexis Banques Populaires        

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

              by           /s/ Pieter J. van Tulder      

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

      Name:  Pieter J. van Tulder       Title:  Vice President and Manager      
      by         /s/ Christine Dirringer      

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

      Name:  Christine Dirringer       Title:  Vice President  

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

 

26

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: PB Capital Corporation        

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

              by           /s/ Jeffrey Frost, Nina Zhou      

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

      Name:  Jeffrey Frost                      Nina Zhou       Title:  Managing
Director            Assistant Vice President  

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

 

27

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Societe Generale        

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

              by           /s/ Ambrish D. Thanawala      

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

      Name:  Ambrish D. Thanawala       Title:  Director Corporate Banking  

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

 

28

  LENDER SIGNATURE PAGE TO THE FIRST AMENDMENT DATED AS OF NOVEMBER 5, 2002 TO
THE AMERICAN STANDARD INC. FIVE-YEAR CREDIT AGREEMENT DATED AS OF NOVEMBER 6,
2001               Signature of Lender to First Amendment               Name of
Institution: Union Bank of California, N.A.        

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

              by           /s/ J. Scott Jessup      

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

      Name:  J. Scott Jessup       Title:  Vice President