Document:

<PAGE>
                                                                     EXHIBIT 4.8

                          GENENCOR INTERNATIONAL, INC.

                        AMENDMENT NO. 4 TO NOTE AGREEMENT

                                                           As of October 1, 2000

TO EACH OF THE CURRENT NOTEHOLDERS
NAMED IN ANNEX 1 HERETO

Ladies and Gentlemen:

     Genencor International, Inc. (hereinafter, the "Company"), together with
its successors and assigns, agrees with you as follows:

1. PRELIMINARY STATEMENTS.

     1.1 VOTE ISSUANCE, ETC.

     The Company issued and sold S140,000,000 aggregate principal amount of its
6.82% Senior Notes due March 30, 2006 (as may be amended, restated or otherwise
modified from time to time, the "NOTES") pursuant to a Note Agreement dated
March 28, 1996 and entered into by and among the Company and each of the
Purchasers listed in Annex 1 attached thereto (as amended by previously executed
Amendment Agreements including Amendment No. 3 to Note Agreement dated as of May
5, 2000, and in effect immediately prior to giving effect to the Amendments
provided for by this Amendment No. 4 to Note Agreement (this "AMENDMENT
AGREEMENT"), the "EXISTING NOTE AGREEMENT", and as amended by this Amendment
Agreement, the "NOTE AGREEMENT"). The register for the registration and transfer
of the Notes indicates that the Persons named in Annex 1 hereto (collectively,
the "CURRENT NOTEHOLDERS") are currently the holders of the entire outstanding
principal amount of the Notes.

2. DEFINED TERMS.

     Capitalized terms used herein and not otherwise defined herein have the
meanings ascribed to them in the Note Agreement (as contemplated to be amended
hereby).

3. AMENDMENTS.

     Subject to Section 5, the Existing Note Agreement is amended as provided
for by this Amendment Agreement in the manner specified in Exhibit A (the
"AMENDMENTS").

4. REPRESENTATIONS AND WARRANTIES OF THE COMPANY.

     To induce you to enter into this Amendment Agreement and to consent to the
Amendments, the Company represents and warrants as follows:

<PAGE>

     4.1 ORGANIZATION, POWER AND AUTHORITY, ETC.

     The Company is a corporation duly incorporated and validly existing in good
standing under the laws of Delaware and has all requisite corporate power and
authority to enter into and perform its obligations under this Amendment
Agreement.

     4.2 LEGAL VALIDITY.

     The execution and delivery of this Amendment Agreement by the Company and
compliance by the Company with its obligations hereunder: (a) are within the
corporate powers of the Company; and (b) are legal and do not conflict with,
result in any breach of, constitute a default under, or result in the creation
of any Lien upon any Property of the Company under the provisions of: (i) any
charter instrument or bylaw to which the Company is a party or by which the
Company or any of its Property may be bound; (ii) any order, judgment, decree or
ruling of any court, arbitrator or governmental authority applicable to either
the Company or its Property; or (iii) any agreement or instrument to which the
Company is a party or by which the Company or any of its Property may be bound
or any statute or other rule or regulation of any governmental authority
applicable to the Company or its Property, except where such conflict, breach or
default could not reasonably be expected to have a Material Adverse Effect.

     This Amendment Agreement has been duly authorized by all necessary action
on the part of the Company, has been executed and delivered by a duly authorized
officer of the Company, and constitutes a legal, valid and binding obligation of
the Company, enforceable in accordance with its terms, except that
enforceability may be limited by applicable bankruptcy, reorganization,
arrangement, insolvency, moratorium, or other similar laws affecting the
enforceability of creditors' rights generally and subject to the availability of
equitable remedies.

     4.3 NO DEFAULTS.

     No event has occurred and no condition exists that, upon the execution and
delivery of this Amendment Agreement, would constitute a Default or an Event of
Default.

5. EFFECTIVENESS OF AMENDMENTS.

     The Amendments shall become effective as of the first date written above
(the "EFFECTIVE DATE") upon receipt by the Company of the written consent of the
Required Holders.

6. EXPENSES.

     Whether or not the Amendments become effective, the Company will promptly
(and in any event within thirty days of receiving any statement or invoice
therefor) pay all fees, expenses and costs relating to this Amendment Agreement,
including, but not limited to, the reasonable fees of your special counsel,
Bingham Dana LLP, incurred in connection with the preparation, negotiation and
delivery of the Amendment Agreement and any other documents related thereto.
Nothing in this Section shall limit the Company's obligations pursuant to
Section 11B of the Existing Note Agreement.

7. MISCELLANEOUS.

                                       2
<PAGE>

     7.1 PART OF EXISTING NOTE AGREEMENT; FUTURE REFERENCES, ETC.

     This Amendment Agreement shall be construed in connection with and as a
part of the Existing Note Agreement and, except as expressly amended by this
Amendment Agreement, all terms, conditions and covenants contained in the
Existing Note Agreement are hereby ratified and shall be and remain in full
force and effect. Any and all notices, requests, certificates and other
instruments executed and delivered after the execution and delivery of this
Amendment Agreement may refer to the Existing Note Agreement without making
specific reference to this Amendment Agreement, but nevertheless all such
references shall include this Amendment Agreement unless the context otherwise
requires.

     7.2 COUNTERPARTS.

     This Amendment Agreement may be executed in any number of counterparts,
each of which shall be an original but all of which together shall constitute
one instrument. Each counterpart may consist of a number of copies hereof, each
signed by less than all, but together signed by all, of the parties hereto.

     7.3 GOVERNING LAW.

     THIS AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH, AND THE
RIGHTS OF THE PARTIES SHALL BE GOVERNED BY, THE LAW OF THE STATE OF NEW YORK
EXCLUDING CHOICE-OF-LAW PRINCIPLES OF THE LAW OF SUCH STATE THAT WOULD REQUIRE
THE APPLICATION OF THE LAWS OF A JURISDICTION OTHER THAN NEW YORK.

   [Remainder of page intentionally left blank; next page is signature page.]

                                       3
<PAGE>

     If you are in agreement with the foregoing, please so indicate by signing
the acceptance below on the accompanying counterpart of this Amendment Agreement
and returning it to the Company, whereupon it will become a binding agreement
among each of you and the Company.

                                       GENENCOR INTERNATIONAL INC.

                                       BY:   /s/  Raymond J. Land
                                            ------------------------------------
                                       NAME: Raymond J. Land
                                       TITLE:Senior Vice President Finance
                                             Chief Financial Officer

<PAGE>

     The foregoing Amendment Agreement is hereby accepted as of the date first
above written.

                                       THE PRUDENTIAL INSURANCE COMPANY
                                       OF AMERICA

                                       BY:    /s/  Kevin J. Kraska
                                            ------------------------------------
                                       NAME:  Kevin J. Kraska
                                       TITLE: Vice President

                                       THE NORTHWESTERN MUTUAL LIFE
                                       INSURANCE COMPANY

                                       BY:    /s/  Richard A. Strait
                                            ------------------------------------
                                       NAME:  Richard A. Strait
                                       TITLE: Its Authorized Representative

                                       ALLMERICA FINANCIAL LIFE INSURANCE
                                       AND ANNUITY COMPANY

                                       BY:    /s/  Scott C. Hyney
                                            ------------------------------------
                                       NAME:  Scott C. Hyney
                                       TITLE: Assistant Vice President

                                       FIRST ALLMERICA FINANCIAL LIFE
                                       INSURANCE COMPANY

                                       BY:    /s/  Scott C. Hyney
                                            ------------------------------------
                                       NAME:  Scott C. Hyney
                                       TITLE: Assistant Vice President

                                       THE HANOVER INSURANCE COMPANY

                                       BY:    /s/  John P. Kavanaugh
                                            ------------------------------------
                                       NAME:  John P. Kavanaugh
                                       TITLE: Vice President

                                      A-1
<PAGE>

                                       CITIZENS INSURANCE COMPANY OF
                                       AMERICA

                                       BY:    /s/  John P. Kavanaugh
                                            ------------------------------------
                                       NAME:  John P. Kavanaugh
                                       TITLE: Vice President

                                       CONNECTICUT GENERAL LIFE
                                       INSURANCE COMPANY

                                       BY CIGNA INVESTMENTS, INC.

                                       BY:    /s/  Robert W. Eccles
                                            ------------------------------------
                                       NAME:  Robert W. Eccles
                                       TITLE: Managing Director

                                       CONNECTICUT GENERAL LIFE
                                       INSURANCE COMPANY ON BEHALF OF ONE OR
                                       MORE SEPARATE ACCOUNTS

                                       BY CIGNA INVESTMENTS, INC.

                                       BY:    /s/  Robert W. Eccles
                                            ------------------------------------
                                       NAME:  Robert W. Eccles
                                       TITLE: Managing Director

                                       LIFE INSURANCE COMPANY OF NORTH
                                       AMERICA

                                       BY CIGNA INVESTMENTS, INC.

                                       BY:    /s/  Robert W. Eccles
                                            ------------------------------------
                                       NAME:  Robert W. Eccles
                                       TITLE: Managing Director

                                      A-2
<PAGE>

                                       UNITED OMAHA LIFE INSURANCE
                                       COMPANY

                                       BY:    /s/  Curtis R. Caldwell
                                            ------------------------------------
                                       NAME:  Curtis R. Caldwell
                                       TITLE: First Vice President

                                       COMPANION LIFE INSURANCE COMPANY

                                       BY:    /s/  Curtis R. Caldwell
                                            ------------------------------------
                                       NAME:  Curtis R. Caldwell
                                       TITLE: Authorized Signer

                                       BY:
                                            ------------------------------------
                                       NAME:
                                       TITLE:

                                       METROPOLITAN LIFE INSURANCE
                                       COMPANY

                                       BY:    /s/  Claudia Cromie
                                            ------------------------------------
                                       NAME:  Claudia Cromie
                                       TITLE: Director

                                       PACIFIC LIFE INSURANCE COMPANY

                                       BY:    /s/  Diane W. Dales
                                            ------------------------------------
                                       NAME:  Diane W. Dales
                                       TITLE: Assistant Vice President

                                       BY:    /s/  Cathy Schwartz
                                            ------------------------------------
                                       NAME:  Cathy Schwartz
                                       TITLE: Assistant Secretary

                                      A-3
<PAGE>

                                       JEFFERSON PILOT FINANCIAL
                                       INSURANCE COMPANY

                                       BY:    /s/  Robert E. Whalen, II
                                            ------------------------------------
                                       NAME:  Robert E. Whalen, II
                                       TITLE: Vice President

                                       THE CANADA LIFE ASSURANCE COMPANY OF
                                       AMERICA
                                       Cudd & Co. as Nominee

                                       BY:    /s/  Peter Coccia
                                            ------------------------------------
                                       NAME:  Peter Coccia
                                       TITLE: Partner

                                       CANADA LIFE INSURANCE COMPANY OF
                                       AMERICA
                                       Cudd & Co. as Nominee

                                       BY:    /s/  Peter Coccia
                                            ------------------------------------
                                       NAME:  Peter Coccia
                                       TITLE: Partner

                                       BERKSHIRE LIFE INSURANCE COMPANY

                                       BY:    /s/  Ellen I. Whittaker
                                            ------------------------------------
                                       NAME:  Ellen I. Whittaker
                                       TITLE: Senior Investment Officer

                                       WOODMEN ACCIDENT AND LIFE
                                       COMPANY

                                       BY:    /s/  A.M. McCray
                                            ------------------------------------
                                       NAME:  A/M. McCray
                                       TITLE: Senior Director, Securities
                                              Investments And Assistant
                                              Treasurer

                                      A-4
<PAGE>

                                     ANNEX 1

                               CURRENT NOTEHOLDERS

The Prudential Insurance Company of America

The Northwestern Mutual Life Insurance Company

Allmerica Financial Life Insurance and Annuity Company

First Allmerica Financial Life Insurance Company

The Hanover Insurance Company

Citizens Insurance Company of America

Connecticut General Life Insurance Company

Life Insurance Company of North America

United of Omaha Life Insurance Company

Companion Life Insurance Company

Metropolitan Life Insurance Company

Pacific Life Insurance Company

Jefferson Pilot Financial Insurance Company
(previously known as Guarantee Life Insurance Company)

Canada Life Assurance Company of America

Canada Life Insurance Company of America

Berkshire Life Insurance Company

Woodmen Accident and Life Company

                                    Annex 1-1

<PAGE>

                                    EXHIBIT A

                                   AMENDMENTS

     (a) SECTION 6E, Consolidated Net Worth covenant. Section 6E shall be and is
hereby amended and restated in its entirety to read as follows:

          "6E. CONSOLIDATED NET WORTH. The Company will not, at any time, permit
     Consolidated Net Worth to be less than the sum of (a) Two Hundred Fifty
     Million Dollars ($250,000,000) plus (b) an aggregate amount equal to 50% of
     its Consolidated Net Income (but, in each case, only if a positive number)
     for each completed fiscal quarter beginning with the fiscal quarter ended
     December 31, 2000."

     (b) SECTION 10.B, Definition of Consolidated Net Worth. The definition of
Consolidated Net Worth shall be and is hereby amended and restated in its
entirety to read as follows:

          "CONSOLIDATED NET WORTH - means, at any time, the total shareholders'
     equity of the Company and its Subsidiaries, determined at such time in
     accordance with GAAP, but excluding therefrom (i) the amount of share
     capital attributable to Redeemable Preferred Stock and (ii) unrealized
     losses in an amount not exceeding $60,000,000 in the aggregate from
     translation adjustments required under GAAP; provided however, that for the
     period beginning December 31, 1999 and extending through and including
     September 30, 2000, Consolidated Net Worth shall include the Preferred'
     Stock being reclassified as $147,925,000 of Redeemable Preferred Stock
     pursuant to the Company's S-1 filing dated as of May 5, 2000."

                                   Exhibit A-1<PAGE>
                                                                     EXHIBIT 4.9

                          GENENCOR INTERNATIONAL, INC.

                        AMENDMENT NO. 5 TO NOTE AGREEMENT

                                                            As of April 17, 2002

TO EACH OF THE CURRENT NOTEHOLDERS
NAMED IN ANNEX 1 HERETO

Ladies and Gentlemen:

      GENENCOR INTERNATIONAL, INC. (hereinafter, the "COMPANY"), together with
its successors and assigns, agrees with you as follows:

1.    PRELIMINARY STATEMENTS

      1.1   NOTE ISSUANCE, ETC.

      The Company issued and sold S140,000,000 aggregate principal amount of its
6.82% Senior Notes due March 30, 2006 (as may be amended, restated or otherwise
modified from time to time, the "NOTES") pursuant to a Note Agreement dated
March 28, 1996 and entered into by and among the Company and each of the
Purchasers listed in Annex 1 attached thereto (as amended by previously executed
Amendment Agreements including Amendment No. 4 to Note Agreement dated as of
October l, 2000, and in effect immediately prior to giving effect to the
Amendments provided for by this Amendment No. 5 to Note Agreement (this
"AMENDMENT AGREEMENT"), the "EXISTING NOTE AGREEMENT", and as amended by this
Amendment Agreement, the "NOTE AGREEMENT"). The register for the registration
and transfer of the Notes indicates that the Persons named in Annex 1 hereto
(collectively, the "CURRENT NOTEHOLDERS") are currently the holders of the
entire outstanding principal amount of the Notes.

      1.2   FINNSUGAR STARCH ENZYMES U.S., INC.

      As a condition to the Current Noteholders entering into Amendment No. 2 to
Note Agreement dated as of December 31, 1996, Finnsugar Starch Enzymes U.S.,
Inc. ("FINNSUGAR") executed and delivered an Amended and Restated Guaranty dated
December 31, 1996 in favor of each of the Current Noteholders. On December 18,
2000, Finnsugar transferred all of its assets and liabilities to the Company and
dissolved.

      1.3   ENZYME BIO-SYSTEMS LTD.

      On February 5, 2002, Enzyme Bio-Systems Ltd. ("ENZYME") became a Material
Subsidiary and Enzyme has agreed to guaranty all of the obligations, liabilities
and indebtedness of the Company to the Current Noteholders.

<PAGE>

2.    DEFINED TERMS

      Capitalized terms used herein and not otherwise defined herein have the
meanings ascribed to them in the Note Agreement (as contemplated to be amended
hereby).

3.    AMENDMENTS

      Subject to Section 6, the Existing Note Agreement is amended as provided
for by this Amendment Agreement in the manner specified in Exhibit A (the
"AMENDMENTS").

4.    WAIVERS

      Subject to Section 6, the Current Noteholders hereby waive certain
provisions of the Existing Note Agreement as provided for by this Amendment
Agreement in the manner specified in Exhibit B. The waivers are referred to
herein as the "WAIVERS" and such Waivers shall not entitle the Company to any
future waiver in similar or other circumstances.

5.    REPRESENTATIONS AND WARRANTIES OF THE COMPANY

      To induce you to enter into this Amendment Agreement and to consent to the
Amendments and Waivers, the Company represents and warrants as follows:

      5.1   ORGANIZATION, POWER AND AUTHORITY, ETC.

      The Company and Enzyme are each corporations duly incorporated and validly
existing in good standing under the laws of Delaware and each has all requisite
corporate power and authority to enter into and perform its obligations under
this Amendment Agreement and the Subsidiary Guaranty to which it is a party.

      5.2   LEGAL VALIDITY

      The execution and delivery of this Amendment Agreement by the Company and
the Subsidiary Guaranty by Enzyme and compliance by the Company and Enzyme with
their respective obligations hereunder and thereunder: (a) are within the
respective corporate powers of the Company and Enzyme; and (b) are legal and do
not conflict with, result in any breach of, constitute a default under, or
result in the creation of any Lien upon any Property of the Company or Enzyme
under the provisions of: (i) any charter instrument or bylaw to which the
Company or Enzyme is a party or by which the Company or Enzyme or any of their
Property may be bound; (ii) any order, judgment, decree or ruling of any court,
arbitrator or governmental authority applicable to either the Company, Enzyme or
their respective Property; or (iii) any agreement or instrument to which the
Company or Enzyme is a party or by which the Company or Enzyme or any of their
Property may be bound or any statute or other rule or regulation of any
governmental authority applicable to the Company, Enzyme or their respective
Property, except where such conflict, breach or default could not reasonably be
expected to have a Material Adverse Effect.

      This Amendment Agreement has been duly authorized by all necessary action
on the part of the Company, has been executed and delivered by a duly authorized
officer of the Company,

                                      -2-
<PAGE>

and constitutes a legal, valid and binding obligation of the Company,
enforceable in accordance with its terms, except that enforceability may be
limited by applicable bankruptcy, reorganization, arrangement, insolvency,
moratorium, or other similar laws affecting the enforceability of creditors'
rights generally and subject to the availability of equitable remedies.

      The Subsidiary Guaranty has been duly authorized by all necessary action
on the part of Enzyme, has been executed and delivered by a duly authorized
officer of Enzyme, and constitutes a legal, valid and binding obligation of
Enzyme, enforceable in accordance with its terms, except that enforceability may
be limited by applicable bankruptcy, reorganization, arrangement, insolvency,
moratorium, or other similar laws affecting the enforceability of creditors'
rights generally and subject to the availability of equitable remedies.

      5.3   NO DEFAULTS.

      After giving, effect to the Waivers set forth in Section 4, no event has
occurred and no condition exists that, upon the execution and delivery of this
Amendment Agreement, would constitute a Default or an Event of Default.

      5.4   DISSOLUTION OF FINNSUGAR STARCH ENZYMES U.S., INC.

      On December 18, 2000, Finnsugar transferred all of its assets and
liabilities to the Company and dissolved.

6.    EFFECTIVENESS OF AMENDMENTS AND WAIVERS

      The Amendments and Waivers shall become effective on the date first
written above when and only when

      (a) the Company and the Required Holders shall have executed and delivered
this Amendment Agreement;

      (b) the Company shall have caused Enzyme to execute and deliver a
Subsidiary Guaranty substantially in the form of Exhibit C hereto, accompanied
by a Secretary's certificate substantially in the form of Exhibit D hereto, and
an opinion of counsel to Enzyme regarding the authorization, execution and
delivery of such Subsidiary Guaranty, and its enforceability, which certificate
and opinion shall be satisfactory in all respects to the Required Holders; and

      (c) the Company shall have delivered to the Current Noteholders
documentation evidencing the warranty and representation contained in Section
5.4 hereof. Such documentation shall be satisfactory in all respects to the
Required Holders.

7.    EXPENSES

      Whether or not the Amendments and Waivers become effective, the Company
will promptly (and in any event within thirty days of receiving any statement or
invoice therefor) pay all fees, expenses and costs relating to this Amendment
Agreement, including, but not limited to, the reasonable fees of your special
counsel, Bingham Dana LLP, incurred in connection with the preparation,
negotiation and delivery of the Amendment Agreement and any other documents

                                      -3-
<PAGE>

related thereto. Nothing in this Section shall limit the Company's obligations
pursuant to Section 11B of the Existing Note Agreement.

8.    MISCELLANEOUS

      8.1   PART OF EXISTING NOTE AGREEMENT, FUTURE REFERENCES, ETC.

      This Amendment Agreement shall be construed in connection with and as a
part of the Existing Note Agreement and, except as expressly amended by this
Amendment Agreement, all terms, conditions and covenants contained in the
Existing Note Agreement are hereby ratified and shall be and remain in full
force and effect. Any and all notices, requests, certificates and other
instruments executed and delivered after the execution and delivery of this
Amendment Agreement may refer to the Existing Note Agreement without making
specific reference to this Amendment Agreement, but nevertheless all such
references shall include this Amendment Agreement unless the context otherwise
requires.

      8.2   COUNTERPARTS

      This Amendment Agreement may be executed in any number of counterparts,
each of which shall be an original but all of which together shall constitute
one instrument. Each counterpart may consist of a number of copies hereof, each
signed by less than all, but together signed by all, of the parties hereto.

      8.3   GOVERNING LAW

      THIS AMENDMENT AGREEMENT SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE
WITH, AND THE RIGHTS OF THE PARTIES SHALL BE GOVERNED BY, THE LAW OF THE STATE
OF NEW YORK EXCLUDING CHOICE-OF-LAW PRINCIPLES OF THE LAW OF SUCH STATE THAT
WOULD REQUIRE THE APPLICATION OF THE LAWS OF A JURISDICTION OTHER THAN NEW YORK.

      [Remainder of page intentionally blank. Next page is signature page.]

                                      -4-
<PAGE>

      If you are in agreement with the foregoing, please so indicate by signing
the acceptance below on the accompanying counterpart of this Amendment Agreement
and returning it to the Company whereupon it will become a binding agreement
among each of you and the Company.

                                        GENENCOR INTERNATIONAL, INC.

                                        BY:    /s/ Raymond J. Land
                                               ---------------------------------

                                        NAME:  Raymond J. Land
                                        TITLE: Senior Vice President and Chief
                                               Financial Officer

                       [Signature Page to Amendment No. 5]
<PAGE>

      The foregoing Amendment Agreement is hereby accepted as of the date first
above written.

                                     THE PRUDENTIAL INSURANCE COMPANY OF AMERICA

                                     BY:    /s/ Kevin J. Kraska
                                            ---------------------------------

                                     NAME:  Kevin J. Kraska
                                     TITLE: Vice President

                       [Signature Page to Amendment No. 5]
<PAGE>

                                        THE NORTHWESTERN MUTUAL LIFE
                                        INSURANCE COMPANY

                                        BY:    /s/ David A. Barras
                                               ---------------------------------

                                        NAME:  David A. Barras
                                        TITLE: Its Authorized Representative

                       [Signature Page to Amendment No. 5]
<PAGE>

                                        ALLMERICA FINANCIAL LIFE INSURANCE
                                        AND ANNUITY COMPANY

                                        BY:    /s/ Michael F. Lannigan
                                               ---------------------------------

                                        NAME:  Michael F. Lannigan
                                        TITLE: Assistant Treasurer

                                        FIRST ALLMERICA FINANCIAL LIFE INSURANCE
                                        COMPANY

                                        BY:    Michael F. Lannigan
                                               ---------------------------------

                                        NAME:  Michael F. Lannigan
                                        TITLE: Assistant Treasurer

                                        THE HANOVER INSURANCE COMPANY

                                        BY:    /s/ William K. Fain
                                               ---------------------------------

                                        NAME:  William K. Fain
                                        TITLE: Assistant Vice President

                                        CITIZENS INSURANCE COMPANY OF AMERICA

                                        BY:    /s/ William K. Fain
                                               ---------------------------------

                                        NAME:  William K. Fain
                                        TITLE: Assistant Vice President

                       [Signature Page to Amendment No. 5]

<PAGE>

                                        CONNECTICUT GENERAL LIFE INSURANCE
                                        COMPANY

                                        BY:    CIGNA INVESTMENTS, INC.

                                        BY:    /s/ Robert W. Eccles
                                               ---------------------------------
                                        NAME:  Robert W. Eccles
                                        TITLE: Managing Director

                                        CONNECTICUT GENERAL LIFE INSURANCE
                                        COMPANY ON BEHALF OF ONE OR MORE
                                        SEPARATE ACCOUNTS

                                        BY:    CIGNA INVESTMENTS, INC.

                                        BY:    /s/ Robert W. Eccles
                                               ---------------------------------
                                        NAME:  Robert W. Eccles
                                        TITLE: Managing Director

                                        LIFE INSURANCE COMPANY OF AMERICA

                                        BY:    CIGNA INVESTMENTS, INC.

                                        BY:    /s/ Robert W. Eccles
                                               ---------------------------------
                                        NAME:  Robert W. Eccles
                                        TITLE: Managing Director

                       [Signature Page to Amendment No. 5]

<PAGE>

                                        UNITED OF OMAHA LIFE INSURANCE COMPANY

                                        BY:    /s/ Edwin H. Garrison, Jr.
                                               ---------------------------------
                                        NAME:  Edwin H. Garrison, Jr.
                                        TITLE: First Vice President

                                        COMPANION LIFE INSURANCE COMPANY

                                        BY:     /s/ Edwin H. Garrison, Jr.
                                                --------------------------------
                                        NAME:   Edwin H. Garrison, Jr.
                                        TITLE:  Authorized Signer

                                        BY:
                                                --------------------------------
                                        NAME:
                                        TITLE:

                       [Signature Page to Amendment No. 5]

<PAGE>

                                        METROPOLITAN LIFE
                                        INSURANCE COMPANY

                                        BY:    /s/ Scott Inglis
                                               ---------------------------------
                                        NAME:  Scott Inglis
                                        TITLE: Managing Director

                       [Signature Page to Amendment No. 5]

<PAGE>

                                        PACIFIC LIFE INSURANCE COMPANY

                                        BY:    /s/ Diane W. Dales
                                               ---------------------------------
                                        NAME:  Diane W. Dales
                                        TITLE: Assistant Vice President

                                        BY:    /s/ Peter S. Fiek
                                               ---------------------------------
                                        NAME:  Peter S. Fiek
                                        TITLE: Assistant Secretary

                       [Signature Page to Amendment No. 5]

<PAGE>

                                        JEFFERSON PILOT FINANCIAL INSURANCE
                                        COMPANY

                                        BY:    /s/ Robert E. Whalen, II
                                               --------------------------------
                                        NAME:  Robert E. Whalen, II
                                        TITLE: Vice President

                       [Signature Page to Amendment No. 5]

<PAGE>

                                        CUDD & CO., AS NOMINEE FOR THE CANADA
                                        LIFE ASSURANCE COMPANY

                                        BY:    /s/ Peter Coccia
                                               ---------------------------------
                                        NAME:  Peter Coccia
                                        TITLE: Partner

                                        CUDD & CO., AS NOMINEE FOR THE CANADA
                                        LIFE ASSURANCE COMPANY

                                        BY:    /s/ Peter Coccia
                                               ---------------------------------
                                        NAME:  Peter Coccia
                                        TITLE: Partner

                       [Signature Page to Amendment No. 5]

<PAGE>

                                        THE GUARDIAN LIFE INSURANCE COMPANY
                                        OF AMERICA

                                        BY:    /s/ Ellen I. Whittaker
                                               ---------------------------------
                                        NAME:  Ellen I. Whittaker
                                        TITLE: Director

                       [Signature Page to Amendment No. 5]

<PAGE>

                                        WOODMEN ACCIDENT AND LIFE COMPANY

                                        BY:    /s/ Victor Weber
                                               ---------------------------------
                                        NAME:  Victor Weber
                                        TITLE: Director, Securities Investments,
                                               Chief Investment Officer and
                                               Assistant Treasurer

                       [Signature Page to Amendment No. 5]

<PAGE>

                                     ANNEX 1

                               CURRENT NOTEHOLDERS

The Prudential Insurance Company of America

The Northwestern Mutual Life Insurance Company

Allmerica Financial Life Insurance and Annuity Company

First Allmerica Financial Life Insurance Company

The Hanover Insurance Company

Citizens Insurance Company of America

Connecticut General Life Insurance Company

Connecticut General Life Insurance Company, on behalf of one or more separate
accounts

Life Insurance Company of North America

United of Omaha Life Insurance Company

Companion Life Insurance Company

Metropolitan Life Insurance Company

Pacific Life Insurance Company

Jefferson Pilot Financial Insurance Company

Canada Life Assurance Company of America

Canada Life Insurance Company of America

The Guardian Life Insurance Company of America

Woodmen Accident and Life Company

<PAGE>

                                    EXHIBIT A

                                   AMENDMENTS

(a)   AMENDMENT OF PARAGRAPH 5H(ii)

      Paragraph 5H(ii) of the Existing Note Agreement is hereby amended and
restated in its entirety to read as follows:

      (ii) Subsidiary Guaranties. On or before June 1, 2002, Enzyme Bio-Systems
Ltd. will execute and deliver to each of the holders of Notes a duly authorized
Subsidiary Guaranty, a Secretary's Certificate substantially in the form of
Exhibit D to Amendment No. 5 to Note Agreement dated April 17, 2002, and an
opinion of counsel to Enzyme Bio-Systems Ltd. regarding the authorization,
execution and delivery of such Subsidiary Guaranty, and its enforceability,
which opinion shall be satisfactory in all respects to the Required Holders.
Each Person that becomes a Material Subsidiary and is organized under the laws
of the United States, any state thereof or the District of Columbia will execute
and deliver to each of the holders of the Notes, within thirty (30) days after
becoming a Material Subsidiary (or on the Release Date, if such date is later),
a duly authorized Joinder Agreement, a Secretary's Certificate substantially in
the form of Exhibit F hereto, and an opinion of counsel to such Material
Subsidiary regarding the authorization, execution and delivery of such Joinder
Agreement, and its enforceability, which opinion shall be satisfactory in all
respects to the Required Holders. Notwithstanding the foregoing, the
requirements of this paragraph 5H(ii) shall not apply to Genencor International
Indiana, Inc., a Subsidiary organized under the laws of Indiana, so long as such
Subsidiary is not required to enter into a guaranty under or in respect of the
Revolving Credit Agreement.

(b)   AMENDMENT OF PARAGRAPH 10B

      Paragraph 10B, Definition of Subsidiary Guarantor. The definition of
Subsidiary Guarantor is hereby amended and restated to read as follows:

      "Subsidiary Guarantor" means and includes, at any time, Enzyme Bio-Systems
Ltd., a corporation organized under the laws of Delaware, and any other
Subsidiary that is a guarantor at such time under the Subsidiary Guaranty.

<PAGE>

                                    EXHIBIT B

                                     WAIVERS

      The Current Noteholders hereby waive any Event of Default under (i)
Section 7A(vii) of the Existing Note Agreement due solely to the Company's
failure to comply with Section 5H(ii) by failing to provide an appropriate
Joinder Agreement from Enzyme in accordance with the terms of Section 5H(ii) and
(ii) Section 7A(viii) due solely to the Subsidiary Guaranty of Finnsugar ceasing
to be in full force and effect.

      These waivers shall be limited precisely as written, and shall not extend
to any other Event of Default under any other provision of the Existing Note
Agreement, as amended by this Amendment Agreement, during any other period.

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