Document:

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                                                                   EXHIBIT 10.21

            AMENDMENT NO. 4 TO AMENDED AND RESTATED CREDIT AGREEMENT

         This Amendment No. 4 to the Amended and Restated Credit Agreement (this
"Fourth Amendment"), dated and effective as of April 26, 2002, is by and between
NEWBEVCO, INC., a Delaware corporation ("Borrower"), and Comerica Bank, a
Michigan banking corporation ("Bank").

                                   WITNESSETH

         WHEREAS, Bank and Borrower have previously executed and entered into
that certain Amended and Restated Credit Agreement dated as of December 10, 1998
("Credit Agreement") and certain other loan documents;

         WHEREAS, pursuant to the Credit Agreement, Bank had previously extended
a Revolving Credit to Borrower of up to Twenty Million and 00/100 Dollars
($20,000,000.00);

         WHEREAS, on December 1, 1999, Bank and Borrower modified and extended
the term of the Revolving Credit in that certain Amendment No. 1 to the Credit
Agreement;

         WHEREAS, on December 1, 2000, Bank and Borrower modified and extended
the terms of the Revolving Credit in that certain Amendment No. 2 to the Credit
Agreement;

         WHEREAS, on December 1, 2001, Bank and Borrower modified and extended
the terms of the Revolving Credit in that certain Amendment No. 3 to the Credit
Agreement;

         WHEREAS, Borrower has requested that the Revolving Credit be further
modified and Bank is willing to do so upon the terms and conditions set forth
herein.

         NOW, THEREFORE, in consideration of the mutual covenants, the parties
agree, for good and valuable consideration, the receipt and sufficiency of which
is hereby acknowledged, as follows:

         1.       INCORPORATION AND RECITALS. The above recitals are true and
correct and are incorporated herein by reference as though set forth in full.

         2.       DEFINITIONS. All capitalized terms used herein shall, except
as modified herein, have the meanings ascribed to them in the Credit Agreement.

         3.       AMENDMENTS TO CREDIT AGREEMENT.

                  (a)      Section 1.1 of the Credit Agreement is amended to
                           revise the definition of Current Liabilities to read
                           as follows:

                  "Current Liabilities" means, with respect to any Person, as of
                  the date of determination thereof, (i) all Indebtedness
                  payable on demand or maturing within one year of such date of
                  determination; and (ii) all other Indebtedness of such Person
                  which would be reflected as current liabilities on a balance
                  sheet of such Person as at such date of determination in
                  accordance with Generally Accepted Accounting Principles
                  applied on a Consistent Basis.

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                  (b)      Section 1.1 of the Credit Agreement is amended to
                           revise the definition of Funded Debt as follows:

                  "Funded Debt" means, with respect to any Person, all
                  Indebtedness of such Person, including, without limitation,
                  current maturities of Funded Debt. For purposes of this
                  Agreement, Funded Debt shall not include trade payables and
                  accrued liabilities.

                  (c)      Section 1.1 of the Credit Agreement is amended to
                           revise the definition of Loan Documents to read as
                           follows:

                  "Loan Documents" mean the Credit Agreement, the Revolving
                  Credit Note, the Term Note, the Guaranties, the Documentary
                  Stamp Tax and Intangible Tax Indemnification Agreement,
                  Amendment No. 1 to the Credit Agreement, Amendment No. 2 to
                  the Credit Agreement, Amendment No. 3 to the Credit Agreement,
                  this Fourth Amendment and all amendments, modifications,
                  renewals and replacements of any of the foregoing.

                  (d)      Section 1.1 of the Credit Agreement is Amended to
                           revise the definition of Permitted Liens as follows:

                           (i)      by deleting "and" from the end of subpart
                                    (h);

                           (ii)     by deleting the period from the end of
                                    subpart (i) and substituting in lieu
                                    thereof"; and"; and

                           (iii)    by adding new subpart (j) as follows:

                           (j) Liens created in connection with and securing
                           Indebtedness for Money Borrowed, and any extension,
                           renewal or replacement of such Liens; provided,
                           however, no such Lien shall extend to or in any way
                           encumber any Eligible Receivables or Eligible
                           Inventory.

                  (e)      Section 3.1 of the Credit Agreement is hereby deleted
                           in its entirety and amended by substituting in lieu
                           thereof:

                                    3.1. Security Interest. The Revolving Credit
                                    Note and Term Note shall be unsecured.

                  (f)      Section 6.14 of the Credit Agreement is hereby
                           amended as follows:

                           (i)      by deleting subpart (a) and substituting in
                                    lieu thereof:

                                    (a)      At all times, a ratio of
                                             Consolidated Current Assets to
                                             Consolidated Current Liabilities of
                                             not less than 1.0 to 1.0

                           (ii)     by deleting subpart (c) and substituting in
                                    lieu thereof:

                                    (c)      Consolidated Net Worth at each
                                             fiscal quarter end of not less than
                                             $25,000,000.00.

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                  (g)      Section 7.5 is hereby deleted in its entirety and
                           hereby amended by substituting in lieu thereof:

                               7.5. Reserved.

         4.       REPRESENTATIONS AND WARRANTIES. To induce Bank to enter into
this Fourth Amendment and to perform the transactions described herein, Borrower
hereby makes the representations and warranties to Bank contained in the Credit
Agreement on and as of the date of this Fourth Amendment.

         5.       RELIANCE UPON, SURVIVAL OF AND MATERIALLY OF REPRESENTATIONS
AND WARRANTIES, AGREEMENTS, AND COVENANTS. All representations and warranties,
agreements, and covenants made by Borrower herein are material and shall be
deemed to have been relied upon by Bank, notwithstanding any investigation
heretofore or hereafter made by Bank, shall survive the execution and delivery
of this Fourth Amendment, and shall continue in full force and effect so long as
any indebtedness subject to the Credit Agreement is owed to Bank. All statements
contained in a certificate or other writing delivered to Bank at any time by or
on behalf of Borrower pursuant hereto shall constitute representations and
warranties by Borrower hereunder.

         6.       INCORPORATION BY REFERENCE. Except as modified herein, the
terms and conditions of the Credit Agreement are hereby incorporated by
reference and remain in full force and effect, enforceable in accordance with
the terms hereof.

         7.       WAIVER OF JURY TRIAL. BORROWER AND BANK HEREBY KNOWINGLY,
VOLUNTARILY AND INTENTIONALLY WAIVE THE RIGHT EITHER OF THEM MAY HAVE TO A TRIAL
BY JURY IN RESPECT OF ANY LITIGATION BASED HEREON, OR ARISING OUT OF, UNDER OR
IN CONNECTION WITH THE LOAN DOCUMENTS OR THIS FOURTH AMENDMENT AND IN
CONJUNCTION THEREWITH, OR ANY COURSE OF CONDUCT, COURSE OF DEALING, STATEMENTS
(WHETHER VERBAL OR WRITTEN) OR ACTIONS OF EITHER PARTY HERETO. THIS PROVISION IS
A MATERIAL INDUCEMENT FOR BANK ENTERING INTO THIS FOURTH AMENDMENT.

         IN WITNESS WHEREOF, the parties have executed this Fourth Amendment as
of the day and year first above written.

                                  BORROWER:

                                  NEWBEVCO, INC., a Delaware corporation  (SEAL)

                                  By:
                                      ------------------------------------
                                  Name: George R. Bracken
                                  Title: Vice President and Treasurer

                                  BANK:

                                  COMERICA BANK., a Michigan banking corporation

                                  By:
                                      ------------------------------------
                                  Name: Gerald R. Finney, Jr.
                                  Title: Vice President

                                       3<PAGE>
                                                                  Exhibit 10.25

July 31, 2000

Vick Crowley
105 Sugar Cane Court
Greer
South Carolina 29650

Dear Vick:

         Safety Components International, Inc. (the "COMPANY") hereby agrees
that, except as set forth in the following paragraph, in the event of a
termination by the Company of your employment with the Company (other than a
termination for Cause (as defined below), death or Disability (as defined
below)) within twenty four (24) months following a Change in Control (as
defined below) (including a termination by you by reason of a Constructive
Termination (as defined below)), the Company shall pay to you, in addition to
any other payments or benefits to which you may otherwise be entitled, a
severance payment equal to your annual base salary in effect at the effective
date of the termination (the "EFFECTIVE DATE"). Such severance payment shall be
payable in twelve equal monthly installments commencing on the first day of the
month following the Effective Date.

         Notwithstanding the foregoing, the Company will not pay to you the
above-referenced severance payment in the event that your employment with the
Company is terminated by the Company within twenty four (24) months (the "GRACE
PERIOD") after a sale by the Company of all or substantially all of its assets,
if the person acquiring such assets (the "ACQUIRING PERSON") offers to employ
you by written notice to you not later than ten (10) business days prior to the
closing date of such sale in a substantially equivalent position, at the same
or a higher salary and with substantially the same duties as you held with the
Company prior to such transaction and such Acquiring Person agrees in writing
that in the event that your employment with the Acquiring Person is terminated
within the Grace Period (a) by the Acquiring Person other than for cause,
disability (as such terms may be defined by the Board of Directors of the
Acquiring Person) or death or (b) by you by reason of a Constructive
Termination, it will make the severance payment to you required by the first
paragraph hereof. Such agreement in writing by the Acquiring Person, without
any further action, shall relieve the Company of any and all obligations under
this Agreement.

         For purposes of this Agreement:

         1.       A "Change in Control" of the Company shall be deemed to have
occurred if (i) the Company shall have merged or consolidated with an
unaffiliated entity or the Company shall have transferred or sold all or
substantially all of its assets to an unaffiliated entity, other than a merger
or consolidation which does not result in a change in the constituency of a
majority of the members of the Board of Directors of the Company who served
prior to the commencement of negotiations with respect to such transaction, or
(ii) there shall be a change in the constituency of a majority of the

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Mr. Crowley
July 31, 2000
Page 2

members of the Board of Directors of the Company within any twelve (12) month
period, other than a change which is approved by a majority of the members of
the Board of Directors of the Company serving prior to such change. A change in
the Board of Directors shall not be defined as a result of the pending
emergence from bankruptcy and the selection of a new Board by the shareholders.
The emergence from bankruptcy is expected to be completed by October 2000.

         2.       A "Constructive Termination" shall be deemed to have occurred
(i) upon your removal, or a failure of you to continue, as Treasurer (other
than (a) by reason of a promotion approved by you or (b) in the case of a
termination for Cause, death or Disability), (ii) upon any material diminution
in the nature or scope of your authorities, powers, functions, duties or
responsibilities, (iii) in the event that you are required to report to someone
other than the Chief Executive Officer, the Chief Financial Officer or the
Board of Directors of the Company, (iv) in the event that you are required to
conduct your business activities at a Company office located outside of the
Greenville, South Carolina area, it being understood however, that business
travel shall be required or (v) if there shall be a change in the constituency
of eighty (80%) percent of the members of the Board of Directors of the Company
within any twelve (12) month period, other than a change which is approved by
eighty (80%) percent of the members of the Board of Directors of the Company
serving prior to such change. A change in the Board of Directors shall not be
defined as a result of the pending emergence from bankruptcy and the selection
of a new Board by the shareholders. The emergence from bankruptcy is expected
to be completed by October 2000.

         3.       A termination by the Company of your employment with the
Company based on "Disability" shall mean such termination in the event that you
are unable to perform your duties under your employment with the Company by
reason of illness, injury or incapacity (whether physical, mental, emotional or
psychological) for a period of either (i) ninety (90) consecutive days or (ii)
one hundred eighty (180) days in any consecutive three hundred sixty-five (365)
day period.

         4.       The term "Cause" shall mean (i) your willful misconduct,
material dishonesty or fraud in the performance of your duties under your
employment with the Company, (ii) your continued failure or refusal (following
written notice thereof) to carry out any reasonable request of the Chief
Executive Officer, the Chief Financial Officer or the Board of Directors of the
Company for the provision of services under your employment with the Company,
or (iii) your entering of a plea of guilty or nolo contendere to, or your
conviction of, a felony or any other criminal act involving moral turpitude,
dishonesty, theft or unethical business conduct. For purposes of this
Agreement, no act or omission shall be considered willful unless done or
omitted to be done in bad faith and without reasonable belief that such act or
omission was in the best interest of the Company.

         This Agreement shall be effective immediately upon your acceptance
hereof by your signature below and shall remain in effect for as long as you
are employed by the Company, it being understood that nothing contained herein
is intended to create a contract or guaranty of continued employment by the
Company.

         The validity, interpretation, construction, performance and
enforcement of this Agreement shall be governed by the internal laws of the
State of Delaware without regard to its conflicts of law rules. The
non-prevailing party in any dispute arising out of or in connection with this
Agreement shall bear the reasonable legal fees of the other party hereto.

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Mr. Crowley
July 31, 2000
Page 3

         This Agreement contains the entire agreement between you and the
Company hereto with respect to the matters contemplated herein and supersedes
all prior agreements or understandings among the parties related to such
matters.

         Please acknowledge your agreement to the foregoing by signing in the
space provided below and returning to the undersigned an executed copy of this
letter at your earliest convenience.

Sincerely,

/s/ John C. Corey
------------------------------------
John C. Corey
President
and Chief Operating Officer

Accepted and Agreed:

/s/ Vick Crowley                                      7/31/00
------------------------------------                  -------------------------
Vick Crowley                                                    Date

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