Document:

Exhibit 10.30

                              WAIVER AND AGREEMENT dated as of March 28, 2002
                         (this "Waiver"), to the Credit Agreement dated as of
                         April 9, 1998, as amended and restated as of April 12,
                         2001 (as amended, the "Credit Agreement"), among WKI
                         Holding Company, Inc. (formerly known as CCPC Holding
                         Company, Inc.), a Delaware corporation (the
                         "Borrower"), the lending institutions from time to time
                         parties thereto (each, a "Lender" and, collectively,
                         the "Lenders"), JPMorgan Chase Bank (formerly known as
                         The Chase Manhattan Bank), as Administrative Agent,
                         Citibank, N.A., as Syndication Agent, and Bankers Trust
                         Company, as Documentation Agent.

          A.  Pursuant to the Credit Agreement, the Lenders and the Letter of
Credit Issuer have extended and agreed to extend credit to the Borrower on the
terms and subject to the conditions set forth therein.  Capitalized terms used
and not otherwise defined herein shall have the meanings assigned to them in the
Credit Agreement.

          B.  The Borrower has informed the Lenders that Events of Default have
occurred and are continuing as a result of (a) the Borrower's failure to comply
with Sections 10.10, 10.11 and 10.13 of the Credit Agreement for the Test Period
ended December 31, 2001 (b) the Borrower's failure to take any action specified
in the letter dated March 1, 2002 from the Administrative Agent to the Borrower
and (c) the Borrower's failure to deliver an opinion of its independent
certified public accountants that is not qualified as to the status of the
Borrower or any of the Material Subsidiaries as a going concern with respect to
the Borrower's annual financial statements for its 2001 fiscal year, as required
pursuant to Section 9.1 of the Credit Agreement (such Events of Default, the
"Specified Events of Default").

          C.  The Borrower has requested that the Required Lenders grant a
limited waiver of the Specified Events of Default, and the Required Lenders are
willing to grant such limited waiver, on the terms and subject to the conditions
set forth herein.

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

          SECTION 1.  Limited Waiver.  (a) Subject to paragraph (b) below, the
                      --------------
Required Lenders hereby waive the Specified Events of Default.

          (b) The waiver set forth in paragraph (a) above shall, without any
further action by any Person, automatically terminate on the date (the "Waiver
Termination Date") that is the earliest of (i) May 30, 2002, (ii) the date on
which the Borrower (A) has less than $20,000,000 (the "Required Cash Amount") of
cash (in a domestic bank account in the name of the Borrower (it being
understood that any cash held by the individual factory stores of the Borrower
shall not be included for purposes of calculating the Required Cash Amount),
which cash shall not be subject to any Lien or right of setoff other than the
Lien created pursuant to the Security Agreement or (B) provides to the
Administrative Agent a Liquidity Certificate (as defined below) on which any
Projected Cash Amount (as defined below) is less than the Required Cash Amount,
(iii) the date on which the Borrower notifies the Administrative Agent that the
Borrower intends to make any payment or other distribution (whether in cash,
securities or other property) in respect of principal of or interest on the
Subordinated Notes, (iv) the date on which the Borrower makes any payment or
other

<PAGE>
                                                                               2

distribution (whether in cash, securities or other property) in respect of
principal of or interest on the Subordinated Notes and (v) the date on which the
Borrower prepays any loan outstanding under the Borden Facility.  Upon the
Waiver Termination Date, all rights and remedies with respect to the Specified
Events of Default of the Lenders, the Administrative Agent, the Letter of Credit
Issuer, the Syndication Agent and the Documentation Agent under the Credit
Agreement and any other Loan Document shall, without any further action by any
Person, automatically be reinstated as if the waiver set forth in paragraph (a)
above had not become effective.

          SECTION 2.  Agreements of the Borrower. (a) The Borrower hereby agrees
                      --------------------------
that, prior to the Waiver Termination Date, the Borrower shall not prepay any
loan outstanding under the Borden Facility.

          (b) The Borrower further agrees that, prior to the Waiver Termination
Date, no less than 5 Business Days before making any payment or other
distribution (whether in cash, securities or other property) in respect of
principal of or interest on the Subordinated Notes, the Borrower shall provide
written notice to the Administrative Agent of its intention to make such payment
or other distribution.

          (c) The Borrower further agrees that, prior to the Waiver Termination
Date, no later than 5:00 p.m.  on each Monday, the Borrower shall furnish to the
Administrative Agent a certificate (a "Liquidity Certificate") signed by the
chief financial officer of the Borrower certifying (i) the amount of cash held
by the Borrower in its domestic bank accounts at the close of business on each
day during the preceding calendar week, (ii) that such cash was not subject to
any Lien or right of setoff other than the Lien created pursuant to the Security
Agreement, together with any supporting documentation reasonably requested by
the Administrative Agent and (iii) the projected amount of cash the Borrower
reasonably expects to hold in its domestic bank accounts at the close of
business on the last day of such calendar week and on the last day of each of
the following five calendar weeks (such amount, for each such day, a "Projected
Cash Amount").

          SECTION 3.  Consent and Agreement of Borden Holdings, Inc.  Borden
                      ---------------------------------------------
Holdings, Inc.  hereby consents to the Borrower's agreement set forth in Section
2(a) hereof and agrees that, prior to the Waiver Termination Date, it shall hold
any prepayment made in respect of loans outstanding under the Borden Facility in
trust for the Lenders and shall promptly transfer such amount to the Borrower.

          SECTION 4.  Representations and Warranties.  To induce the other
                      ------------------------------
parties hereto to enter into this Waiver, the Borrower represents and warrants
to each other party hereto that, after giving effect to this Waiver, (a) the
representations and warranties set forth in Section 8 of the Credit Agreement
will be true and correct in all material respects on and as of the date hereof,
except to the extent such representations and warranties expressly relate to an
earlier date and (b) no Default or Event of Default will have occurred and be
continuing.

          SECTION 5.  Conditions to Effectiveness.  This Waiver shall become
                      ---------------------------
effective at such time as (a) the Administrative Agent shall have received
counterparts hereof that, when taken together, bear the signatures of the
Borrower, Borden Holdings, Inc.  and the Required Lenders, (b) the
Administrative Agent shall have received a Liquidity Certificate for the
calendar week immediately preceding the calendar week in which the date hereof
occurs and (c) all fees and expenses of the Administrative Agent, including all
invoiced fees and expenses of its counsel, shall have been paid.

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                                                                               3

          SECTION 6.  Effect of Waiver.  Except as expressly set forth herein,
                      ----------------
this Waiver shall not by implication or otherwise limit, impair, constitute a
waiver of, or otherwise affect, the rights and remedies of the Lenders, the
Administrative Agent, the Letter of Credit Issuer, the Syndication Agent or the
Documentation Agent under the Credit Agreement or any other Loan Document, and
shall not alter, modify, amend or in any way affect any of the terms,
conditions, obligations, covenants or agreements contained in the Credit
Agreement or any other Loan Document, all of which are ratified and affirmed in
all respects and shall continue in full force and effect.  Nothing herein shall
be deemed to entitle the Borrower to a consent to, or a waiver, amendment,
modification or other change of, any of the terms, conditions, obligations,
covenants or agreements contained in the Credit Agreement or any other Loan
Document in similar or different circumstances.  This Waiver shall apply and be
effective only with respect to the provisions of the Credit Agreement
specifically referred to herein and only for the circumstances, and during the
time period, referred to herein.  Any default under this Waiver shall constitute
an Event of Default under the Credit Agreement.  Nothing in this Waiver shall
alter the obligations of the Borrower set forth in the Waiver, Consent and
Agreement dated as of February 25, 2002, among the Borrower, the Lenders,
JPMorgan Chase Bank, as Administrative Agent, Citibank, N.A., as Syndication
Agent, and Bankers Trust Company, as Documentation Agent.

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

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

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

          SECTION 10. No Third Party Beneficiaries. Nothing in this Waiver,
                      ----------------------------
express or implied, shall give to any Person, other than the Borrower and the
Lenders party hereto and the successors, assigns and participants permitted
under Section 13.6 of the Credit Agreement, any benefit or any legal or
equitable right, remedy or claim under this Waiver.

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                                                                               4

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

                                    WKI HOLDING COMPANY, INC.,

                                    by
                                       _________________________________
                                       Name:
                                       Title:

                                    JPMORGAN CHASE BANK, as
                                    Administrative Agent, as Letter of Credit
                                    Issuer and as a Lender,

                                    by
                                       _________________________________
                                       Name:
                                       Title:

                                    CITIBANK, N.A., as Syndication Agent and
                                    as a Lender,

                                    by
                                       _________________________________
                                       Name:
                                       Title:

                                    BANKERS TRUST COMPANY, as
                                    Documentation Agent and as a Lender,

                                    by
                                       _________________________________
                                       Name:
                                       Title:

With respect to Section 3 only,
consented and agreed to by:

BORDEN HOLDINGS, INC.,

by
   _________________________________
   Name:
   Title:

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                                                                               5

                              Signature Page to the Waiver and Agreement dated
                              as of March [ ], 2002, to the Credit Agreement
                              dated as of April 9, 1998, as amended and restated
                              as of April 12, 2001, among WKI Holding Company,
                              Inc. (formerly known as CCPC Holding Company,
                              Inc.), a Delaware corporation (the "Borrower"),
                              the lending institutions from time to time parties
                              thereto (each a "Lender" and, collectively, the
                              "Lenders"), JPMorgan Chase Bank (formerly known as
                              The Chase Manhattan Bank), as Administrative
                              Agent, Citibank, N.A., as Syndication Agent, and
                              Bankers Trust Company, as Documentation Agent.

Name of Lender                by

-----------------------       ----------------------------
                              Name:
                              Title:

<PAGE>Exhibit 10.2
First Amendment to the NBT Bancorp Inc. 401(k) and Employee Stock Ownership Plan
                             Effective July 2, 2001.

                                      A-119
<PAGE>
                             FIRST AMENDMENT TO THE
            NBT BANCORP INC. 401(K) AND EMPLOYEE STOCK OWNERSHIP PLAN

THIS AMENDMENT, made this 2nd day of July, 2001, by NBT BANCORP INC. (
hereinafter called the "Employer").

WHEREAS, the Employer did establish the NBT BANCORP INC. 401(K) AND EMPLOYEE
STOCK OWNERSHIP PLAN (the "Plan") for the sole and exclusive benefit of its
eligible participants and their respective beneficiaries under the terms and
provisions of the Internal Revenue Code of 1986, as amended, and

WHEREAS, the Employer reserved the right to amend said Plan;

NOW, THEREFORE, effective as of January 1, 2001, the Plan shall be amended as
follows:

1.   Section 8.3 of ARTICLE VIII PAYMENT OR DISTRIBUTION OF BENEFITS, is hereby
     amended by adding after the last paragraph of this Section the following
     provision:

     "With respect to distributions under the Plan made for calendar years
     beginning on or after January 1, 2001, the Plan will apply the minimum
     distribution requirements of section 401(a)(9) of the Internal Revenue Code
     in accordance with the regulations under section 401(a)(9) that were
     proposed on January 17, 2001, notwithstanding any provision of the Plan to
     the contrary. This amendment shall continue in effect until the end of the
     last calendar year beginning before the effective date of final regulations
     under section 401(a)(9) or such other date as may be specified in guidance
     published by the Internal Revenue Service."

2.   Subpart (a), of Section 1.14 of ARTICLE I, DEFINITIONS, is hereby amended
     by adding after the last sentence thereof the following provision:

     "Effective on and after January 1, 2001, Compensation shall include
     elective amounts that are not includible in the gross income of the
     Participant by reason of Code section 132(f)(4)."

3.   Section 1.32, of ARTICLE I, DEFINITIONS, is hereby amended by adding after
     the last sentence thereof the following provision:

     "Effective on and after January 1, 2001, Compensation shall include
     elective amounts that are not includible in the gross income of the
     Participant by reason of Code section 132(f)(4)."

4.   Section 1.33 of ARTICLE I, DEFINITIONS, is hereby amended by adding after
     the last sentence thereof following provision:

     "Effective January 1, 2001, "414(s) Compensation" shall not include
     elective amounts that are not includible in the gross income of the
     Participant under section 125, 132(f)(4), 402(e)(3), 402(h), or 403(b)."

5.   In all other respects, the Plan shall remain unchanged by this Amendment.

IN WITNESS WHEREOF, the Employer has caused this instrument to be executed the
day and year first above written.

                                     /s/ Jane E. Neal
                                     Executive Vice President

                                      A-120
<PAGE>

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