Document:

<PAGE>
                                                                     EXHIBIT 4.6

                                 AMENDMENT NO. 2
                                       TO
                                 NOTE AGREEMENT

      This AMENDMENT NO. 2 TO NOTE AGREEMENT (this "Amendment"), dated as of
December 31, 1996, is made by and among GENENCOR INTERNATIONAL, INC., a Delaware
corporation (together with its successors and assigns, the "Company"), and each
of the institutions that are signatories hereto (such institutions being
collectively referred to as the "Noteholders").

                                   BACKGROUND

      1. The Company and each of the Noteholders are parties to the Note
Agreement dated as of March 28, 1996, as amended by Amendment No. 1 to Note
Agreement dated as of September 25, 1996 (as so amended prior to the
effectiveness of this Amendment, the "Existing Note Agreement" and as amended by
this Amendment, the "Amended Note Agreement"), pursuant to which the Company
sold, and the Noteholders purchased, One Hundred Forty Million Dollars
($140,000,000) in aggregate principal amount of the Company's 6.82% Senior Notes
due March 30, 2006 (the "Notes").

      2. The Noteholders and the Company wish to amend certain provisions of the
Existing Note Agreement pursuant to and in accordance with the provisions
hereof.

      NOW, THEREFORE, in consideration of the foregoing, the mutual premises,
covenants and agreements contained herein, and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereto agree as follows:

SECTION 1. DEFINED TERMS.

      All capitalized terms used but not specifically defined in this Amendment
have the respective meanings assigned to them in or pursuant to the provisions
of the Existing Note Agreement.

SECTION 2. AMENDMENTS OF EXISTING NOTE AGREEMENT.

            2.1 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. 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

<PAGE>

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.

            2.2 AMENDMENT OF PARAGRAPH 10B.

      Paragraph 10B of the Existing Note Agreement is hereby amended by amending
and restating the definition of "Subsidiary Guarantor" to read as follows:

      "SUBSIDIARY GUARANTOR" means and includes, at any time, Finnsugar Starch
Enzymes U.S. Inc., a corporation organized under the laws of Delaware, and any
other Subsidiary that is a guarantor at such time under the Subsidiary Guaranty.

SECTION 3. WARRANTIES AND REPRESENTATIONS.

The Company warrants and represents to each Noteholder that as of the date
hereof:

            3.1 NO MATERIAL ADVERSE CHANGE.

      There has been no material adverse change in the business, condition or
operations (financial or otherwise) of the Company and its Subsidiaries, taken
as a whole, since March 28, 1996.

            3.2 NO DEFAULTS.

      No event has occurred and no condition exists that, on the date hereof,
would constitute a Default or Event of Default.

            3.3 AMENDMENT AND AMENDED NOTE AGREEMENT ARE ENFORCEABLE.

      This Amendment and the Amended Note Agreement are legal, valid and binding
obligations of the Company, enforceable against the Company in accordance with
their respective terms, except as the enforceability hereof and of the Amended
Note Agreement may be limited by applicable bankruptcy, reorganization,
arrangement, insolvency, moratorium or other similar laws affecting the
enforceability of creditors' rights generally and the application of general
equitable principles.

SECTION 4. RELEASE.

      Each of the Noteholders hereby releases Genencor International B.V. The
Netherlands, Genencor International Europe Oy, and Genencor International N.V.
Belgium (collectively, the "Released Guarantors") from all obligations and
liabilities under the Subsidiary Guaranty (the "Existing Subsidiary Guaranty).
Except for such release, the Subsidiary Guaranty remains in full force and
effect in respect of Finnsugar Starch Enzymes U.S. Inc. ("Finnsugar'), but the
parties hereto agree that the Existing Subsidiary Guaranty shall be replaced,
concurrently with the effectiveness of this Amendment, by an amended and
restated subsidiary guaranty (the "New Subsidiary Guaranty") substantially in
the form attached hereto as Exhibit A.

SECTION 5. EFFECTIVE TIME.

      This Amendment and the release described in Section 4 shall become
effective when and only when

                                       2
<PAGE>

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

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

            (c) the Company shall have delivered a certificate, signed by a
      Responsible Officer, which certificate shall be satisfactory in all
      respects to the Required Holders; and

            (d) the Required Holders shall have received evidence satisfactory
      to them that the Banks are, concurrently with the effectiveness of this
      Amendment, releasing the Released Guarantors from all liability under any
      Guaranty entered into for the benefit of the Banks under the Revolving
      Credit Agreement and amending the Revolving Credit Agreement so that no
      Guaranties for any payment thereunder are now in effect from, or will be
      required to be granted by, Subsidiaries which are not providing any
      Guaranty to the Noteholders.

For the avoidance of doubt, the Company acknowledges that the certificate
referred to in clause (c) above constitutes a "writing" for purposes of
paragraph 7A(v) of the Amended Note Agreement.

SECTION 6. EFFECT OF AMENDMENT.

      Except as expressly provided in this Amendment, the Existing Note
Agreement and the Notes shall remain in full force and effect, without
modification or amendment. This Amendment shall be binding upon, and shall inure
to the benefit of, the successors and assigns of the parties hereto and the
holders from time to time of the Notes.

SECTION 7. EXPENSES.

      The Company shall promptly (and in any event within thirty (30) days of
receiving any statement or invoice therefor) pay all out-of-pocket expenses
relating to this Amendment, including but not limited to the fees and
disbursements of Hebb & Gitlin, special counsel to the Noteholders. The
obligations of the Company under this Section 7 shall survive the termination of
this Amendment.

SECTION 8. SURVIVAL.

      All warranties, representations, certifications and covenants made by the
Company in this Amendment or in any certificate or other instrument delivered by
the Company or on its behalf under this Amendment shall be considered to have
been relied upon by the Noteholders and shall survive the execution of this
Amendment, regardless of any investigation made by or on behalf of any
Noteholder. All statements in any such certificate or other instrument shall
constitute warranties and representations of the Company under this Amendment.

                                       3
<PAGE>

SECTION 9. DUPLICATE ORIGINALS.

      Two or more duplicate originals of this Amendment may be signed by the
parties, each of which shall be an original but all of which together shall
constitute one and the same instrument.

SECTION 10. EXECUTION IN COUNTERPART.

      This Amendment may be executed in one or more counterparts and shall be
effective when at least one counterpart shall have been executed by each party
to this Amendment, and each set of counterparts which, collectively, show
execution by each such party to this Amendment shall constitute one duplicate
original.

SECTION 11. GOVERNING LAW.

      This Amendment shall be construed and enforced in accordance with, and the
rights of the parties shall be governed by, the internal law of the State of New
York.

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

                                       4
<PAGE>

      IN WITNESS WHEREOF, the Company and the Noteholders have executed this
Amendment as of the date first above written.

                                        GENENCOR INTERNATIONAL, INC.

                                    By: /s/ Stuart L. Melton
                                        --------------------------------------

                                  Name: Stuart L. Melton

                                 Title: Senior Vice President,
                                        Commercial and Legal Affairs

                         Date Executed:                     December 19, 1997

                                        THE PRUDENTIAL INSURANCE COMPANY OF
                                        AMERICA

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

                                  Name: Kevin J. Kraska

                                 Title: Vice President

                          Date Executed                     December 15, 1997

                                        THE NORTHWESTERN MUTUAL LIFE
                                        INSURANCE COMPANY

                                    By: /s/ J. Thomas Christofferson
                                        --------------------------------------

                                   Name J. Thomas Christofferson

                                 Title: Vice President

                         Date Executed:                     December 19, 1997

                                       5
<PAGE>

                                        ALLMERICA FINANCIAL LIFE INSURANCE
                                        AND ANNUITY COMPANY

                                    By: /s/ Scott C. Hyney
                                        ----------------------------------------

                                  Name: Scott C. Hyney

                                 Title: Assistant Vice President

                         Date Executed:                        December 16, 1997

                                        FIRST ALLMERICA FINANCIAL LIFE
                                        INSURANCE COMPANY

                                    By: /s/ Scott C. Hyney
                                        ----------------------------------------

                                  Name: Scott C. Hyney

                                 Title: Assistant Vice President

                          Date Executed                        December 16, 1997

                                        THE HANOVER INSURANCE COMPANY

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

                                  Name: William K. Fain

                                 Title: Assistant Treasurer

                         Date Executed:                        December 16, 1997

                                       6
<PAGE>

                                        CITIZENS INSURANCE COMPANY OF
                                        AMERICA

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

                                  Name: William K. Fain

                                 Title: Assistant Treasurer

                         Date Executed:                       December 19, 1997

                                        CONNECTICUT GENERAL LIFE
                                        INSURANCE COMPANY
                                        By CIGNA Investments, Inc.

                                    By: /s/ Thomas P. Shea
                                        ----------------------------------------

                                  Name: Thomas P. Shea

                                 Title: Vice President

                          Date Executed                       December 16, 1997

                                        CONNECTICUT GENERAL LIFE
                                        INSURANCE COMPANY, on behalf of one or
                                        more separate accounts
                                        By Cigna Investments, Inc.

                                    By: /s/ Thomas P. Shea
                                        ----------------------------------------

                                  Name: Thomas P. Shea

                                 Title: Vice President

                         Date Executed:                       December 16, 1997

                                       7
<PAGE>

                                        LIFE INSURANCE COMPANY OF NORTH AMERICA
                                        By CIGNA INVESTMENTS, INC.

                                    By: /s/ Thomas P. Shea
                                        ----------------------------------------

                                  Name: Thomas P. Shea

                                 Title: Vice President

                         Date Executed:                       December 16, 1997

                                        UNITED OF OMAHA LIFE INSURANCE COMPANY

                                    By: /s/ Edwin H. Garrison, Jr.
                                        ----------------------------------------

                                  Name: Edwin H. Garrison, Jr.

                                 Title: First Vice President

                          Date Executed                       December 15, 1997

                                        AMERICAN REPUBLIC INSURANCE COMPANY

                                    By:
                                        ----------------------------------------

                                  Name:

                                 Title:

                         Date Executed:                     December _____, 1997

                                       8
<PAGE>

                                        COMPANION LIFE INSURANCE COMPANY

                                    By: /s/ Edwin H. Garrison, Jr.
                                        ----------------------------------------

                                  Name: Edwin H. Garrison, Jr.

                                 Title: Assistant Treasurer

                                    By: /s/ Jeffry F. Sailer
                                        ----------------------------------------

                                  Name: Jeffry F. Sailer

                                 Title: Assistant Treasurer

                          Date Executed:                      December 19,  1997

                                        METROPOLITAN LIFE INSURANCE COMPANY

                                    By: /s/ Michael J. Kroeger
                                        ----------------------------------------

                                  Name: Michael J. Kroeger

                                 Title: Managing Director

                          Date Executed                        December 16, 1997

                                       9
<PAGE>

                                        PACIFIC MUTUAL LIFE INSURANCE COMPANY

                                    By: /s/ Diane W. Dales
                                        ----------------------------------------

                                  Name: Diane W. Dales

                                 Title: Assistant Vice President

                                    By: /s/ Audrey L. Milfs
                                        ----------------------------------------

                                  Name: Audrey L. Milfs

                                 Title: Corporate Secretary

                         Date Executed:                        December 19, 1997

                                        GUARANTEE INSURANCE COMPANY

                                    By: /s/ Robert M. Jergovic
                                        ----------------------------------------

                                  Name: Robert M. Jergovic, CFA

                                 Title: Vice President - Private Investments

                          Date Executed                        December 15, 1997

                                        THE OHIO CASUALTY INSURANCE COMPANY

                                    By: /s/ Barry S. Porter
                                        ----------------------------------------

                                  Name: Barry S. Porter

                                 Title: CFO and Treasurer

                         Date Executed:                        December 18, 1997

                                       10
<PAGE>

                                        BERSHIRE LIFE INSURANCE COMPANY

                                    By: /s/ Ellen I. Whittaker
                                        ----------------------------------------

                                  Name: Ellen I. Whittaker

                                 Title: Investment Officer

                         Date Executed:                        December 17, 1997

                                        WOODMAN ACCIDENT AND LIFE COMPANY

                                    By: /s/ A. M. McCray
                                        ----------------------------------------

                                  Name: A. M. McCray

                                 Title: Vice President and Assistant Treasurer

                          Date Executed                        December 15, 1997

                                       11
<PAGE>

                CONSENT AND CONFIRMATION OF SUBSIDIARY GUARANTEE

      The undersigned consents and agrees to the amendments effected by the
foregoing Amendment and acknowledges that the Subsidiary Guaranty remains in
full fore and effect with respect to the Notes and the Amended Note Agreement.

                                         FINNSUGARSTARCH ENZYMES U.S., INC.

                                        By: /s/ Stuart L. Melton
                                            ------------------------------------

                                      Name: Stuart L. Melton

                                     Title: Secretary and Treasurer

                                       12<PAGE>
                                                                     EXHIBIT 4.7

                          GENENCOR INTERNATIONAL, INC.

                        AMENDMENT NO. 3 TO NOTE AGREEMENT

                                                               As of May 5, 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 NOTE ISSUANCE, ETC.

     The Company issued and sold $140,000,000 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 30, 1996 (as in effect immediately prior to giving effect to the
Amendments provided for by this Amendment Agreement, the "EXISTING 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 Existing Note Agreement.

3.   AMENDMENTS.

     Subject to Section 5, the Existing Note agreement is amended as provided
for by this Amendment No. 3 to Note Agreement (this "AMENDMENT AGREEMENT") in
the manner specified in Exhibit A. The amendments referred to herein are
referred to herein, collectively, as 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:

     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.

<PAGE>

     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,
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.

     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

                                       2
<PAGE>

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 agreement and
returning it to the Company, whereupon it will become a binding agreement among
you and the Company.

                                        GENENCOR INTERNATIONAL, INC.

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

                                      A-1
<PAGE>

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

                                       THE PRUDENTIAL INSURANCE COMPANY
                                       OF AMERICA

                                       BY:    /s/  Charles Y. King
                                             -----------------------------------
                                       NAME:  Charles Y. King
                                       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:  Allmerica Asset Management, Inc.

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

                                       FIRST ALLMERICA FINANCIAL LIFE
                                       INSURANCE COMPANY
                                       By:  Allmerica Asset Management, Inc.

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

                                      A-2
<PAGE>

                                       THE HANOVER INSURANCE COMPANY
                                       By: Allmerica Asset Management, Inc.

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

                                       CITIZENS INSURANCE COMPANY OF
                                       AMERICA
                                       By: Allmerica Asset Management, Inc.

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

                                       CONNECTICUT GENERAL LIFE INSURANCE
                                       COMPANY

                                       BY CIGNA INVESTMENTS, INC.

                                       BY:    /s/  Stephen H. Wilson
                                             -----------------------------------
                                       NAME:  Stephen H. Wilson
                                       TITLE: Managing Director

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

                                       BY CIGNA INVESTMENTS, INC.

                                       BY:    /s/  Stephen H. Wilson
                                             -----------------------------------
                                       NAME:  Stephen H. Wilson
                                       TITLE: Managing Director

                                      A-3
<PAGE>

                                       LIFE INSURANCE COMPANY OF NORTH
                                       AMERICA

                                       BY CIGNA INVESTMENTS, INC.

                                       BY:    /s/  Stephen H. Wilson
                                             -----------------------------------
                                       NAME:  Stephen H. Wilson
                                       TITLE: Managing Director

                                       UNITED OF OMAHA LIFE INSURANCE
                                       COMPANY

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

                                       AMERICAN REPUBLIC INSURANCE
                                       COMPANY

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

                                       COMPANION LIFE INSURANCE COMPANY

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

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

                                      A-4
<PAGE>

                                       METROPOLITAN LIFE INSURANCE
                                       COMPANY

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

                                       PACIFIC LIFE INSURANCE COMPANY

                                       BY:    /s/  Ronn Cornelius
                                             -----------------------------------
                                       NAME:  Ronn Cornelius
                                       TITLE: Assistant Vice Presidnt

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

                                       GUARANTEE LIFE INSURANCE COMPANY

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

                                       THE CANADA LIFE ASSURANCE
                                       COMPANY
                                       Cudd & Co. as Nominee

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

                                      A-5
<PAGE>

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

                                       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

                                       WOODMAN ACCIDENT AND LIFE
                                       COMPANY

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

                                      A-6
<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

American Republic Insurance Company

Companion Life Insurance Company

Metropolitan Life Insurance Company

Pacific Life Insurance Company

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

                                      A-7
<PAGE>

                                    EXHIBIT A

                                   AMENDMENTS

     (a) 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 the amount of share capital
     attributable to Redeemable Preferred Stock, 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."

                                      A-8

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