Document:

<PAGE>
                                                                    Exhibit 10.1

                               AMENDMENT NO. 1 TO

                           THIRD AMENDED AND RESTATED

                                CREDIT AGREEMENT

                  THIS AMENDMENT NO. 1 TO THIRD AMENDED AND RESTATED CREDIT
AGREEMENT (this "Amendment") made and entered into as of December 19, 2000, by
and among INTERFACE, INC., a Georgia corporation ("Interface"), INTERFACE EUROPE
B.V., a "besloten vennootschap met beperkte aansprakelijkheid" (private company
with limited liability) incorporated and existing under the laws of The
Netherlands with its registered seat in Scherpenzeel, Gld., The Netherlands
("Europe B.V."), INTERFACE EUROPE LIMITED, a private company limited by shares
organized and existing under the laws of England and Wales ("Europe Limited"),
and each other Foreign Subsidiary (as hereinafter defined) that has become a
"Multicurrency Borrower" hereunder as provided in Section 3.09 hereof (each an
"Additional Multicurrency Borrower" and collectively, the "Additional
Multicurrency Borrowers"; Interface, Europe B.V., Europe Limited, and all
Additional Multicurrency Borrowers referred to collectively herein as the
"Borrowers"), SUNTRUST BANK (formerly SunTrust Bank, Atlanta), a banking
corporation organized under the laws of the State of Georgia ("STBA"), BANK ONE,
NA (formerly The First National Bank of Chicago), a national banking association
("Bank One"), the other banks and lending institutions listed on the signature
pages hereof, and any assignees of STBA, Bank One, or such other banks and
lending institutions which become "Lenders" as provided herein (STBA, Bank One,
and such other banks, lending institutions, and assignees referred to
collectively herein as the "Lenders"), SUNTRUST BANK (formerly SunTrust Bank,
Atlanta), in its capacity as agent for those Lenders having Domestic Syndicated
Loan Commitments or having outstanding Domestic Syndicated Loans as provided
herein, and each successor agent for such Lenders as may be appointed from time
to time pursuant to Article X hereof (the "Domestic Agent"), BANK ONE, NA
(formerly The First National Bank of Chicago), in its capacity as agent for
those Lenders having outstanding Multicurrency Syndicated Loan Commitments or
having outstanding Multicurrency Syndicated Loans as provided herein, and each
successor agent for such Lenders as may be appointed from time to time pursuant
to Article X hereof (the "Multicurrency Agent"; the Domestic Agent and the
Multicurrency Agent referred to collectively herein as the "Co-Agents"), and
SUNTRUST BANK (formerly SunTrust Bank, Atlanta), in its capacity as collateral
agent for the Co-Agents and Lenders and each successor collateral agent as may
be appointed from time to time pursuant to Article X hereof (the "Collateral
Agent");

                              W I T N E S S E T H:

                  WHEREAS, the Borrowers, the Lenders, STBA, as Domestic Agent
and Collateral Agent, and Bank One, as Multicurrency Agent, are parties to a
certain Third Amended and Restated Credit Agreement dated as of June 30, 1998
(the "Credit Agreement");

                  WHEREAS, the Credit Agreement refers to certain "Accounts
Receivable Facilities" pursuant to which Interface SPC sells accounts receivable
(or undivided ownership
<PAGE>
interest therein) to SPARCC or CIBC (herein referred to as the "CIBC Accounts
Receivable Facility");

                  WHEREAS, the Borrowers have advised the Lenders and the
Co-Agents that the CIBC Accounts Receivable Facility is to be replaced by
another receivable financing facility as more particularly described in this
Amendment (the "New Accounts Receivable Facility");

                  WHEREAS, the Borrowers have requested that the Lenders amend
certain provisions of the Credit Agreement to take into account the replacement
of the CIBC Accounts Receivable Facility by the New Accounts Receivable Facility
and certain terms and conditions of the New Accounts Receivable Facility;

                  WHEREAS, Lenders constituting the Required Lenders and the
Co-Agents have agreed to make such amendments, subject to the conditions and
requirements set forth in this Amendment;

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

1. DEFINED TERMS. Unless otherwise expressly defined herein, capitalized terms
used in this Amendment that are defined in the Credit Agreement are used herein
with the respective meanings assigned to such capitalized terms in the Credit
Agreement.

2. AMENDMENTS TO SECTION 1.01 ("DEFINITIONS").

         (a) Section 1.01 of the Credit Agreement is hereby amended by deleting
in its entirety each of the following defined terms and accompanying definitions
set forth in said Section 1.01: "Accounts Receivable Facilities", "Bank
Purchasers", "CIBC", "Funded Debt", "Interface SPC", "Receivables Backup
Purchase Agreements", "Receivables Sale Agreements", "Receivables Subordinated
Notes", "Receivables Transfer Agreements", and "SPARCC."

         (b) Section 1.01 of the Credit Agreement is hereby amended by adding to
said Section 1.01, in appropriate alphabetical order, the following defined
terms and accompanying definitions:

                  "Accounts Receivable Facilities" shall mean the receivables
         financing facility being extended by Bank One, NA and certain third
         parties on or about December 19, 2000 (the "Bank One Receivables
         Facility") pursuant to which (i) Interface and/or one or more of the
         Consolidated Companies from time to time sell, convey or otherwise
         transfer accounts receivable, any interests therein and any assets
         related thereto, to Interface SPC, and (ii) Interface SPC shall sell,
         convey or otherwise transfer such accounts receivable, any interests
         therein and any assets related thereto, to Bank One, NA, as agent for
         the benefit of certain third-party purchasers of such accounts
         receivable, any interests therein and any assets related thereto,
         together with any replacement receivables financing

                                       2
<PAGE>
         facility or facilities for Interface and/or one or more of the
         Consolidated Companies providing for discounts and advance rates,
         reserves, and other pricing terms, recourse obligations, and covenants
         applicable to Interface SPC, Interface, and the other Consolidated
         Companies that are no less favorable in any material respect than the
         comparable provisions of the Accounts Receivable Facility being
         replaced or otherwise on terms and conditions approved by the Co-Agents
         and the Required Lenders.

                  "Funded Debt" shall mean all Indebtedness for money borrowed,
         Indebtedness evidenced or secured by purchase money Liens, capitalized
         leases, Synthetic Lease Obligations (other than those under the
         Guilford Equipment Lease), conditional sales contracts and similar
         title retention debt instruments, and Indebtedness evidenced by bonds,
         debentures, notes or other similar instruments, including all current
         maturities of such Indebtedness. The calculation of Funded Debt shall
         include all Funded Debt of the Consolidated Companies, plus (i) all
         Funded Debt of other Persons to the extent guaranteed by a Consolidated
         Company, to the extent supported by a letter of credit issued for the
         account of a Consolidated Company, or as to which and to the extent
         which a Consolidated Company or its assets otherwise have become liable
         for payment thereof, plus (ii) the amount of aggregate "Capital" (as
         such term is used in the Bank One Receivables Facility) from time to
         time as existing under the Bank One Receivables Facility, and the
         comparable amount from time to time as existing under any replacement
         Accounts Receivable Facility.

                  "Interface SPC" shall mean Interface Securitization
         Corporation, a Delaware corporation, or any other Consolidated Company
         organized as a special purpose entity (i) to acquire accounts
         receivable from Interface and/or any Consolidated Company pursuant to
         an Accounts Receivable Facility, and (ii) to sell, convey or otherwise
         transfer such accounts receivable, any interests therein and any assets
         related thereto, to one or more financing entities under such Accounts
         Receivable Facility.

                  "Receivables Subordinated Notes" shall mean any and all
         subordinated notes executed by Interface SPC from time to time in favor
         of Interface or any of the Consolidated Companies and evidencing
         advances made from time to time by Interface or any such Consolidated
         Companies to Interface SPC in connection with, and pursuant to the
         terms of, the Accounts Receivable Facilities, provided that, the
         aggregate outstanding principal balance of such notes shall not at any
         time exceed $40,000,000.

3. AMENDMENT TO SECTION 7.12 ("ACCOUNTS RECEIVABLE FACILITY"). Section 7.12 of
the Credit Agreement is hereby amended by deleting said Section 7.12 in its
entirety and substituting in lieu thereof the following Section 7.12:

                  SECTION 7.12. ACCOUNTS RECEIVABLE FACILITY. The Accounts
         Receivable Facilities shall provide to Interface and those Subsidiaries
         that are parties to such Accounts Receivables Facilities financing for
         accounts receivable of an aggregate amount outstanding at any time not
         to exceed $100,000,000.

                                       3
<PAGE>
4. AMENDMENT TO SECTION 8.01 ("INDEBTEDNESS"). Section 8.01 of the Credit
Agreement is hereby amended by deleting clause (k) of said Section 8.01 in its
entirety and substituting in lieu thereof the following clause (k):

                  (k) Indebtedness, if any, owing by Interface or Interface SPC
         pursuant to the Accounts Receivable Facilities and Indebtedness, if
         any, owing by any Consolidated Company that is a party to such Accounts
         Receivable Facilities with respect thereto;

5. AMENDMENT TO SECTION 8.02 ("LIENS"). Section 8.02 of the Credit Agreement is
hereby amended by deleting clause (i) of said Section 8.02 in its entirety and
substituting in lieu thereof the following clause (i):

                  (i) Liens, if any, that may be deemed to have been granted by
         Interface or any Consolidated Company in favor of Interface, Interface
         SPC, or any financing entity under any Accounts Receivable Facility or
         their respective successors and assigns, on accounts receivable, any
         interests therein and any assets related thereto, of Interface or such
         Consolidated Company as a result of the sale, conveyance or other
         transfer thereof to Interface, Interface SPC, or any financing entity
         under any Accounts Receivable Facility or their respective successors
         and assigns, pursuant to the Accounts Receivable Facilities.

6. AMENDMENT TO SECTION 8.03 ("MERGERS, ACQUISITIONS, SALES, ETC."). Section
8.03 of the Credit Agreement is hereby amended by deleting clause (ii) of said
Section 8.03 in its entirety and substituting in lieu thereof the following
clause (ii):

                  (ii) sales of accounts receivable, any interests therein and
         any assets related thereto, pursuant to the Accounts Receivable
         Facilities so long as the aggregate "Capital" (as such term is used in
         the Bank One Receivables Facility) from time to time as existing under
         the Bank One Receivables Facility, and the comparable amount from time
         to time as existing under any replacement Accounts Receivable Facility,
         shall not exceed $100,000,000 in aggregate amount outstanding at any
         time,

7. AMENDMENT TO SECTION 8.07 ("TRANSACTION WITH AFFILIATES"). Section 8.07(b) of
the Credit Agreement is hereby amended by deleting paragraph (b) of said Section
8.07(b) in its entirety and substituting in lieu thereof the following paragraph
(b):

                  (b) Convey or transfer to any other Person (including any
         other Consolidated Company) any real property, buildings, or fixtures
         used in the manufacturing or production operations of any Consolidated
         Company, or convey or transfer to any other Consolidated Company any
         other assets (excluding conveyances or transfers in the ordinary course
         of business) if at the time of such conveyance or transfer any Default
         or Event of Default exists or would exist as a result of such
         conveyance or transfer; provided, however, the foregoing shall not be
         deemed to prohibit the conveyance or transfer of accounts receivable
         pursuant to the terms of the Accounts Receivable Facilities due to any
         Default or Event of Default otherwise existing immediately prior to the
         time of such conveyance or transfer.

                                       4
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8. AMENDMENT TO SECTION 8.08 ("OPTIONAL PREPAYMENTS"). Section 8.08 of the
Credit Agreement is hereby amended by deleting the final clause of said Section
8.08 (incorrectly designated as the second clause (vi) in said Section) in its
entirety and substituting in lieu thereof the following clause (vii):

                  (vii) Indebtedness arising under the Accounts Receivable
Facilities.

9. AMENDMENT TO SECTION 8.13 ("ACTIONS UNDER CERTAIN DOCUMENTS"). Section 8.13
of the Credit Agreement is hereby amended by deleting the final sentence of said
Section 8.13 in its entirety, and substituting in lieu thereof the following
sentence as the final sentence of said Section 8.13:

         In addition to the foregoing, without the prior consent of the
         Co-Agents, the Consolidated Companies shall not enter into any
         amendment or modification of the documents executed in connection with
         the Accounts Receivable Facilities which changes the definition of
         "Capital" or "Amortization Event" as such terms are used in the Bank
         One Receivables Facility, or the definition of any comparable terms
         used in any replacement Accounts Receivable Facility, or any other
         material provision thereof.

10. AMENDMENT TO SECTION 9.15 ("ACCOUNTS RECEIVABLE FACILITY"). Section 9.15 of
the Credit Agreement is hereby amended by deleting said Section 9.15 in its
entirety and substituting in lieu thereof the following Section 9.15:

                  SECTION 9.15. ACCOUNTS RECEIVABLE FACILITY. There shall exist
         and continue for five (5) days any "Amortization Event" (as such term
         is used in the Bank One Receivables Facility) or any comparable event
         under any replacement Accounts Receivable Facility, other than any such
         event which arises from: (i) any reduction in Interface's credit rating
         (or the imputed equivalent thereof); (ii) any Consolidated Company's
         failure to comply with, or its making of any changes in or supplements
         to, its credit and collection policies; (iii) any failure by Interface
         to maintain the minimum net worth required in Interface SPC under the
         terms of any agreements evidencing an Accounts Receivable Facility;
         (iv) any amendment of the terms of any Consolidated Company's accounts
         receivable or any contract relating thereto or any waiver by such
         Consolidated Company of the terms and conditions of such contract; (v)
         any change in the character of the business of any of the Consolidated
         Companies (which is not a violation of Section 8.09 hereof) or in their
         respective credit and collection policies; (vi) Interface SPC's
         entering into or becoming a party to any agreement or instruments
         incidental to its administration or operation other than those
         expressly permitted under the terms of any agreements evidencing an
         Accounts Receivable Facility; (vii) any determination that the payment
         to Interface or any of the Consolidated Companies that sells accounts
         receivable under an Accounts Receivable Facility of 100% of the net
         book value of the accounts receivable does not constitute "reasonably
         equivalent value" of the accounts receivable and related rights sold by
         such Person in connection with such Accounts Receivable Facility;
         (viii) any change in the Certificate of Incorporation or By-Laws of
         Interface SPC; (ix) any failure by Interface SPC or Interface to comply
         with any

                                       5
<PAGE>
         of the affirmative or negative covenants in any agreements evidencing
         an Accounts Receivable Facility which relate to the establishment and
         maintenance of Interface SPC's separate legal identity; (x) the
         past-due or defaulted accounts receivable of any or all of the
         Consolidated Companies exceeding any applicable limitations as set
         forth in any agreements evidencing an Accounts Receivable Facility; or
         (xi) the "Dilution Ratio" (as such term is defined in any agreements
         evidencing the Bank One Receivables Facility) exceeding any applicable
         limitations set forth in any agreements evidencing the Bank One
         Receivables Facility, or any comparable event under any agreements
         evidencing replacement Accounts Receivable Facility;

11. REPRESENTATIONS AND WARRANTIES. Each of Interface (as to itself and all
other Consolidated Companies) and each of the other Borrowers (as to itself and
all of its Subsidiaries) represents and warrants to the Lenders as follows:

         (a) All representations and warranties set forth in the Credit
Agreement are true and correct in all material respects with the same effect as
though such representations and warranties have been made on and as of the date
hereof (except that the representation and warranty set forth in Section 6.19 of
the Credit Agreement shall not be deemed to relate to any time subsequent to the
date of the initial Loans under the Credit Agreement);

         (b) No Default or Event of Default has occurred and is continuing on
the date hereof;

         (c) Since the date of the most recent financial statements of the
Consolidated Companies submitted to the Lenders pursuant to Section 7.07(b),
there has been no change which has had or could reasonably be expected to have a
Materially Adverse Effect (whether or not any notice with respect to such change
has otherwise been furnished to the Lenders pursuant to Section 7.07);

         (d) Each of the Borrowers has the corporate power and authority to
make, deliver and perform this Amendment and has taken all necessary corporate
action to authorize the execution, delivery and performance of this Amendment.
No consent or authorization of, or filing with, any Person (including, without
limitation, any governmental authority), is required in connection with the
execution, delivery or performance by any Borrower, or the validity or
enforceability against any Borrower, of this Amendment, other than such
consents, authorizations or filings which have been made or obtained (including
without limitation, any necessary consultations with any Borrower's supervisory
board, works council ("Ondernemingsraad") or similar body); and

         (e) This Amendment has been duly executed and delivered by each of the
Borrowers and this Amendment constitutes a legal, valid and binding obligations
of the Borrowers, respectively, enforceable against the Borrowers in accordance
with their respective terms, except as may be limited by applicable bankruptcy,
insolvency, reorganization, moratorium, or similar laws affecting the
enforcement of creditors' rights generally and by general principles of equity.

                                       6
<PAGE>
12. EFFECTIVENESS OF AMENDMENT. This Amendment shall become effective upon (i)
the execution and delivery to the Co-Agents of counterparts hereof (whether
originals or facsimile transmissions thereof) on behalf of each of the
Borrowers, the Co-Agents, the Collateral Agent, and those Lenders constituting
the Required Lenders for purposes of the Credit Agreement, (ii) the New Accounts
Receivable Facility becoming effective in accordance with the terms thereof and
replacing the CIBC Accounts Receivable Facility, and (iii) the termination of
the CIBC Accounts Receivable Facility.

13. REFERENCES TO CREDIT AGREEMENT. On and after the date this Amendment becomes
effective as provided in paragraph 12 above, each and every reference in the
Credit Documents to the Credit Agreement shall be deemed to refer to and mean
the Credit Agreement as amended by this Amendment. The Borrowers further confirm
and agree that (i) except as expressly amended herein, the Credit Agreement
remains in full force and effect in accordance with its terms, and (ii) all
other Credit Documents remain in full force and effect in accordance with their
respective terms.

14. COUNTERPARTS. This Amendment may be executed in any number of counterparts
and by the different parties hereto on separate counterparts, each of which when
so executed and delivered shall be an original, but all of which shall together
constitute one and the same instrument.

15. MISCELLANEOUS. This Amendment and the rights and obligations of the parties
hereunder shall be construed in accordance with and be governed by the law
(without giving effect to the conflict of law principles thereof) of the State
of Georgia. This Amendment shall be binding on and shall inure to the benefit of
and be enforceable by the respective successors and assigns of the parties
hereto.

                                       7
<PAGE>
                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be duly executed and delivered in Atlanta, Georgia, by their duly
authorized officers as of the day and year first above written.

                                         INTERFACE, INC.

                                         By:  /s/ Daniel T. Hendrix
                                              -----------------------------
                                              Daniel T. Hendrix
                                              Executive Vice President

                                         INTERFACE EUROPE B.V.

                                         By:  /s/ Daniel T. Hendrix
                                              -----------------------------
                                              Daniel T. Hendrix
                                              Attorney-in-Fact

                                         INTERFACE EUROPE LIMITED

                                         By:  /s/ Daniel T. Hendrix
                                              -----------------------------
                                              Daniel T. Hendrix
                                              Attorney-in-Fact

                                       8
<PAGE>
                                         SUNTRUST BANK
                                         (FORMERLY SUNTRUST BANK, ATLANTA),
                                         AS DOMESTIC AGENT, COLLATERAL AGENT,
                                         AND A LENDER

                                         By:  /s/ Bradley J. Staples
                                              --------------------------------
                                              Name:  Bradley J. Staples
                                              Title:  Director

                                       9
<PAGE>
                                         BANK ONE, NA

                                         (FORMERLY THE FIRST NATIONAL BANK OF
                                         CHICAGO), AS MULTICURRENCY AGENT AND
                                         A LENDER

                                         By:  /s/ Steven P. Sullivan
                                              --------------------------------
                                              Name:  Steven P. Sullivan
                                              Title:  Corporate Banking Officer

                                       10
<PAGE>
                                         ABN AMRO BANK N.V.

                                         By:  /s/ Thomas M. Toerpe
                                              -------------------------------
                                              Name:  Thomas M. Toerpe
                                              Title:  Group Vice President

                                         By:  /s/  Thomas Comfort
                                              -------------------------------
                                              Name:  Thomas Comfort
                                              Title:  Senior Vice President

                                       11
<PAGE>
                                         THE BANK OF TOKYO-MITSUBISHI, LTD.

                                         By:  /s/ R. Glass
                                              --------------------------------
                                              Name:  R. Glass
                                              Title:  Vice President

                                       12
<PAGE>
                                         CIBC INC.

                                         By:  ___________________________
                                              Name:
                                              Title:

                                       13
<PAGE>
                                         BANK AUSTRIA CREDITANSTALT
                                         CORPORATE FINANCE, INC. (FORMERLY
                                         KNOWN AS CREDITANSTALT CORPORATE
                                         FINANCE, INC.)

                                         By:  /s/ Sheila A. Maher
                                              --------------------------------
                                              Name:  Sheila A. Maher
                                              Title:  Vice President

                                         By:  /s/ Laura A. DePersis
                                              --------------------------------
                                              Name:  Laura A. DePersis
                                              Title:  Vice President

                                       14
<PAGE>
                                         FIRST UNION NATIONAL BANK

                                         By:  /s/ David J.C. Silander
                                              -------------------------------
                                              Name:  David J.C. Silander
                                              Title:  Vice President

                                       15
<PAGE>
                                         FLEET NATIONAL BANK

                                         By:  /S/ Neil C. Buitenhuys
                                              --------------------------
                                              Name:  Neil C. Buitenhuys
                                              Title: Vice President

                                       16
<PAGE>
                                         BANK OF AMERICA, N.A.

                                         (FORMERLY NATIONSBANK, N.A.)

                                         By: /S/ Deirdre B. Doyle
                                              ---------------------------
                                              Name:  Deirdre B. Doyle
                                                     Title:  Principal

                                       17
<PAGE>
                                         WACHOVIA BANK, N.A.

                                         By:  /S/ William B. Nixon
                                              ---------------------------
                                              Name:  William B. Nixon
                                              Title:  Senior Vice President

                                       18<PAGE>
                                                                    EXHIBIT 10.2

                               AMENDMENT NO. 2 TO
                           THIRD AMENDED AND RESTATED
                                CREDIT AGREEMENT

         THIS AMENDMENT NO. 2 TO THIRD AMENDED AND RESTATED CREDIT AGREEMENT
(this "Amendment") made and entered into as of August 8, 2001, by and among
INTERFACE, INC., a Georgia corporation ("Interface"), INTERFACE EUROPE B.V., a
"besloten vennootschap met beperkte aansprakelijkheid" (private company with
limited liability) incorporated and existing under the laws of The Netherlands
with its registered seat in Scherpenzeel, Gld., The Netherlands ("Europe B.V."),
INTERFACE EUROPE LIMITED, a private company limited by shares organized and
existing under the laws of England and Wales ("Europe Limited"), and each other
Foreign Subsidiary (as hereinafter defined) that has become a "Multicurrency
Borrower" under the Credit Agreement described below as provided in Section 3.09
thereof (each an "Additional Multicurrency Borrower" and collectively, the
"Additional Multicurrency Borrowers"; Interface, Europe B.V., Europe Limited,
and all Additional Multicurrency Borrowers referred to collectively herein as
the "Borrowers"), SUNTRUST BANK (formerly SunTrust Bank, Atlanta), a banking
corporation organized under the laws of the State of Georgia ("SunTrust"), BANK
ONE, NA (formerly The First National Bank of Chicago), a national banking
association ("Bank One"), the other banks and lending institutions listed on the
signature pages hereof, and any assignees of SunTrust, Bank One, or such other
banks and lending institutions which become "Lenders" as provided in the Credit
Agreement described below (SunTrust, Bank One, and such other banks, lending
institutions, and assignees referred to collectively herein as the "Lenders"),
SUNTRUST BANK (formerly SunTrust Bank, Atlanta), in its capacity as agent for
those Lenders having Domestic Syndicated Loan Commitments or having outstanding
Domestic Syndicated Loans as provided in the Credit Agreement described below,
and each successor agent for such Lenders as may be appointed from time to time
pursuant to Article X of the Credit Agreement described below (the "Domestic
Agent"), BANK ONE, NA (formerly The First National Bank of Chicago), in its
capacity as agent for those Lenders having outstanding Multicurrency Syndicated
Loan Commitments or having outstanding Multicurrency Syndicated Loans as
provided in the Credit Agreement, and each successor agent for such Lenders as
may be appointed from time to time pursuant to Article X of the Credit Agreement
described below (the "Multicurrency Agent"; the Domestic Agent and the
Multicurrency Agent referred to collectively herein as the "Co-Agents"), and
SUNTRUST BANK (formerly SunTrust Bank, Atlanta), in its capacity as collateral
agent for the Co-Agents and Lenders and each successor collateral agent as may
be appointed from time to time pursuant to Article X of the Credit Agreement
described below (the "Collateral Agent");

                              W I T N E S S E T H:

         WHEREAS, the Borrowers, the Lenders, SunTrust, as Domestic Agent and
Collateral Agent, and Bank One, as Multicurrency Agent, are parties to a certain
Third Amended and Restated Credit Agreement dated as of June 30, 1998, as
amended by Amendment No. 1 to Third

<PAGE>

Amended and Restated Credit Agreement dated as of December 19, 2000 (as so
amended, the "Credit Agreement");

         WHEREAS, the Borrowers have requested that the Lenders amend the Credit
Agreement in certain respects, including the amendment of certain financial and
other covenants, and the decrease of the Domestic Syndicated Loan Commitments
and the Multicurrency Syndicated Loan Commitments, and that the Lenders waive
certain Events of Default that may have occurred as a result of Interface's
repurchase, redemption or other acquisition of its equity securities;

         WHEREAS, the Lenders are willing to amend the Credit Agreement in such
respects and to grant such waiver, subject to the terms and conditions set forth
in this Amendment;

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

1.       DEFINED TERMS. Unless otherwise expressly defined herein, capitalized
terms used in this Amendment that are defined in the Credit Agreement are used
herein with the respective meanings assigned to such capitalized terms in the
Credit Agreement.

2.       AMENDMENTS TO SECTION 1.01 ("DEFINITIONS").

         (a)      Section 1.01 of the Credit Agreement is hereby amended by
deleting in its entirety the defined term "Applicable Margin" and accompanying
definition, and substituting in lieu thereof the following defined term and
accompanying definition:

                  "Applicable Margin" shall mean, with respect to all Loans
outstanding as LIBOR Advances or Base Rate Advances, as the case may be, for any
day, the applicable percentage determined from the chart set forth below based
on Interface's Funded Debt Coverage Ratio calculated as of the relevant
determination date:

<TABLE>
<CAPTION>
         Funded Debt                                   Applicable Margin          Applicable Margin
         Coverage Ratio                               for LIBOR Advances        for Base Rate Advances
         --------------                               ------------------        ----------------------
<S>                                                   <C>                       <C>
         Greater than or equal to 4.00                        2.250%                    0.750%

         Less than 4.00, but greater
         than or equal to 3.50                                2.000%                    0.500%

         Less than 3.50, but greater than
         or equal to 3.00                                     1.750%                    0.250%

</TABLE>

                                       2
<PAGE>

<TABLE>
<S>                                                           <C>                       <C>
         Less than 3.00, but greater than
         or equal to 2.50                                     1.500%                    0.000%

         Less than 2.50, but greater than
         or equal to 2.00                                     1.250%                    0.000%

         Less than 2.00                                       1.000%                    0.000%
</TABLE>

Each change in the Applicable Margin resulting from a change in the Funded Debt
Coverage Ratio shall be effective with respect to outstanding Loans from and
after the date that is five (5) Business Days after the date of delivery to the
Domestic Agent of the financial statements and certificates required by Section
7.07(a), (b), and (c), as applicable, indicating such change, until the date
that is five (5) Business Days immediately following the next date of delivery
of such financial statements and certificates indicating another such change.
Notwithstanding the foregoing, at any time during which Interface has failed to
deliver the financial statement and certificates when required by Section
7.07(a), (b), and (c), as applicable, the Applicable Margin shall be 2.250% for
Loans outstanding as LIBOR Advances and 0.750% for all Loans outstanding as Base
Rate Advances, as the case may be.

         (b)      Section 1.01 of the Credit Agreement is hereby further amended
by deleting (i) the last sentence of the definition of "Domestic Syndicated Loan
Commitments", and (ii) the last sentence of the definition of "Multicurrency
Syndicated Loan Commitments."

         (c)      Section 1.01 of the Credit Agreement is hereby further amended
by deleting in its entirety the defined term "Security Documents" and
accompanying definition, and substituting in lieu thereof the following defined
term and accompanying definition:

                  "Security Documents" shall mean, collectively, the Guaranty
Agreements, the L/C Cash Collateral Assignment, the IRB Collateral Documents,
the Indemnity Agreement, the Borrower Pledge and Security Agreements, the
Subsidiary Pledge and Security Agreements, the Copyright Security Agreements,
the Patent Security Agreements, the Trademark Security Agreements, the
Mortgages, the Control Agreements, and each other guaranty agreement, mortgage,
deed of trust, deed to secure debt, security agreement, pledge agreement,
collateral assignment, or other security or collateral document guaranteeing or
securing the Secured Obligations, as the same may be amended, restated, and
supplemented from time to time.

         (d)      Section 1.01 of the Credit Agreement is hereby further amended
by adding in appropriate alphabetical order the following defined terms and
accompanying definitions:

                                       3
<PAGE>

                  "Amendment No. 2" shall mean the Amendment No. 2 to Third
         Amended and Restated Credit Agreement dated as of August 8, 2001, among
         the Borrowers, the Lenders and the Co-Agents.

                  "Amendment No. 2 Effective Date" shall mean the date on which
         Amendment No. 2 becomes effective in accordance with its terms.

                  "Borrower Pledge and Security Agreements" shall mean,
         collectively, each Borrower Pledge and Security Agreement executed and
         delivered by each of the Borrowers in favor of the Collateral Agent for
         the benefit of the Secured Parties pursuant to the requirements of
         Section 7.13, in each case in form and substance satisfactory to the
         Required Lenders, as the same may be amended, restated and supplemented
         from time to time.

                  "Capital Securities" shall mean, with respect to any Person,
         all common, preferred, and other shares of capital stock, partnership
         and limited liability company interests, participations, and other
         ownership and equity interests and their equivalents (however
         designated, and whether voting or non-voting) of such Person's capital
         or other equity, whether now outstanding or hereafter issued.

                  "Collateral" shall have the meaning set forth in the Security
         Documents.

                  "Collateral Agent" shall mean SunTrust Bank in its capacity as
         collateral agent for the Lenders and the other Secured Parties.

                  "Control Agreements" shall mean, collectively, the agreements
         entered into by the various Credit Parties granting to the Collateral
         Agent for the benefit of the Secured Parties control of those portions
         of the Collateral consisting of investment property, deposit accounts,
         letter-of-credit rights, or electronic chattel paper so as to perfect
         the Collateral Agent's security interest therein, in each case in form
         and substance satisfactory to the Collateral Agent, as the same may be
         amended, restated, and supplemented from time to time.

                  "Copyright Security Agreement" shall mean each Copyright
         Security Agreement executed and delivered by any Credit Party in favor
         of the Collateral Agent for the benefit of the Secured Parties pursuant
         to the requirements of any of the Security Agreements, in the form
         required by the terms of any Security Agreement, in each case as
         amended, supplemented and restated from time to time.

                  "Domestic Credit Party" means Interface or any Guarantor.

                                       4
<PAGE>

                  "Mortgage" means each mortgage, deed of trust, deed to secure
         debt, and other agreement or instrument executed and delivered by any
         Credit Party in favor of the Collateral Agent for the benefit of the
         Secured Parties pursuant to the requirements of Section 7.13, in form
         and substance satisfactory to the Required Lenders, under which a Lien
         is granted on the real property and fixtures described therein, in each
         case as amended, supplemented, and restated from time to time.

                  "Patent Security Agreement" shall mean each Patent Security
         Agreement executed and delivered by any Credit Party in favor of the
         Collateral Agent for the benefit of the Secured Parties pursuant to the
         requirements of Section 7.13, in the form required by the terms of any
         Security Agreement, as the same may be amended, supplemented and
         restated from time to time.

                  "Receivables Intercreditor Agreement" shall mean the
         intercreditor agreement among the parties to the Receivables Sale
         Agreements and the Collateral Agent providing for the relative rights
         and interests of such parties in and to certain portions of the
         Collateral, executed and delivered pursuant to the requirements of
         Section 7.13, in form and substance satisfactory to the Collateral
         Agent, as the same may be amended, restated and supplemented from time
         to time.

                  "Secured Obligations" shall mean, collectively, (i) the
         Obligations as defined herein, and (ii) such other obligations as may
         be agreed to in writing by Interface, the Co-Agents and the Required
         Lenders as Secured Obligations for purposes of this Agreement and to be
         secured by the Security Documents.

                  "Secured Parties" shall mean, collectively (i) the Co-Agents,
         the Collateral Agent, the Lenders, and their respective affiliates that
         are parties to any of the Credit Documents, and (ii) such other Persons
         to which other Secured Obligations may be owed.

                  "Security Agreements" means, collectively, the Borrower Pledge
         and Security Agreements and the Subsidiary Pledge and Security
         Agreements, or either of them, as the case may be.

                  "Subsidiary Pledge and Security Agreements" shall mean,
         collectively, each Subsidiary Pledge and Security Agreement executed
         and delivered by each of the Guarantors in favor of the Collateral
         Agent for the benefit of the Secured Parties pursuant to the
         requirements of Section 7.13, in form and substance satisfactory to the
         Required Lenders, as the same may be amended, restated and supplemented
         from time to time.

                  "Trademark Security Agreement" shall mean each Trademark
         Security Agreement executed and delivered by any Credit Party in favor
         of the Collateral Agent

                                       5
<PAGE>

         for the benefit of the Secured Parties pursuant to the requirements of
         Section 7.13, in the form required by the terms of any Security
         Agreement, as amended, supplemented, and restated from time to time.

3.       AMENDMENT TO ARTICLE II ("DOMESTIC REVOLVING LOANS"). Article II of the
Credit Agreement is hereby amended by adding a new Section 2.09 at the end of
said Article II as follows:

                  SECTION 2.09. DECREASE IN DOMESTIC SYNDICATED LOAN COMMITMENTS
         ON THE AMENDMENT NO. 2 EFFECTIVE DATE.

                  (a)      On the Amendment No. 2 Effective Date, the aggregate
         Domestic Syndicated Loan Commitments of the Lenders shall be decreased
         from $220,000,000 in aggregate principal amount to $180,000,000 in
         aggregate principal amount, with such aggregate decrease being applied
         to the Domestic Syndicated Loan Commitments in the manner as described
         on the signature pages of Amendment No. 2. After giving effect to the
         foregoing actions, the Domestic Syndicated Loan Commitments of the
         Lenders shall be as set forth on the signature pages to Amendment No.
         2. All Borrowings of Domestic Syndicated Loans pursuant to Section 2.02
         and all continuations and conversions of outstanding Domestic
         Syndicated Loans pursuant to Section 2.02 occurring after the Amendment
         No. 2 Effective Date shall be made on the basis of the revised Domestic
         Syndicated Loan Commitments as provided in this Section 2.09. All
         Domestic Bid Rate Loans outstanding on the Amendment No. 2 Effective
         Date shall continue to remain outstanding in accordance with their
         respective terms and shall not be repaid or otherwise affected by the
         transactions described in this Section 2.09, except as may otherwise be
         required by Section 2.03(d).

                  (b)      From and after the Amendment No. 2 Effective Date,
         all references in this Agreement to the Domestic Syndicated Loan
         Commitments shall be deemed to mean and refer to the Domestic
         Syndicated Loan Commitments as reduced by this Section 2.09 (subject,
         however, to subsequent increases or decreases from time to time
         pursuant to the provisions of this Agreement).

4.       AMENDMENT TO ARTICLE III ("MULTICURRENCY REVOLVING LOANS"). Article III
of the Credit Agreement is hereby amended by adding a new Section 3.10 at the
end of said Article III as follows:

                                       6
<PAGE>

                  SECTION 3.10. DECREASE IN MULTICURRENCY SYNDICATED LOAN
         COMMITMENTS ON THE AMENDMENT NO. 2 EFFECTIVE DATE.

                  (a)      On the Amendment No. 2 Effective Date, the aggregate
         Multicurrency Syndicated Loan Commitments of the Multicurrency
         Syndicated Lenders shall be decreased from $80,000,000 in aggregate
         principal amount to $70,000,000 in aggregate principal amount, with
         such aggregate decrease being the result of pro rata decreases in the
         Multicurrency Syndicated Loan Commitments of all Multicurrency
         Syndicated Lenders. After giving effect to the foregoing actions, the
         Multicurrency Syndicated Loan Commitments of the Multicurrency
         Syndicated Lenders shall be as set forth on the signature pages to
         Amendment No. 2. All Borrowings of Multicurrency Syndicated Loans
         pursuant to Section 3.02 and all continuations and conversions of
         outstanding Multicurrency Syndicated Loans pursuant to Section 3.02
         occurring after the Amendment No. 2 Effective Date shall be made on the
         basis of the revised Multicurrency Syndicated Loan Commitments as
         provided in this Section 3.10. All Multicurrency Bid Rate Loans
         outstanding on the Amendment No. 2 Effective Date shall continue to
         remain outstanding in accordance with their respective terms and shall
         not be repaid or otherwise affected by the transactions described in
         this Section 3.10, except as may otherwise be required by Section
         3.03(e).

                  (b)      From and after the Amendment No. 2 Effective Date,
         all references in this Agreement to the Multicurrency Syndicated Loan
         Commitments shall be deemed to mean and refer to the Multicurrency
         Syndicated Loan Commitments as reduced by this Section 3.10 (subject,
         however, to subsequent increases or decreases from time to time
         pursuant to the provisions of this Agreement).

5.       AMENDMENT TO SECTION 4.03 ("INTEREST"). Section 4.03 of the Credit
Agreement is hereby amended as follows:

                  (a)      Subsection (a) of said Section 4.03 is hereby amended
         by deleting clause (i) thereof in its entirety and substituting in lieu
         thereof the following clause (i):

                           (i)      For a Base Rate Advance--The Base Rate plus
                  the Applicable Margin, in each case as in effect from time to
                  time;

                  (b)      Subsection (b) of said Section 4.03 is hereby amended
         by deleting clause (i) thereof in its entirety and substituting in lieu
         thereof the following clause (i):

                                       7
<PAGE>

                           (i)      For a Base Rate Advance--The Base Rate plus
                  the Applicable Margin, in each case as in effect from time to
                  time;

6.       AMENDMENT TO SECTION 7.09 ("FINANCIAL COVENANTS"). Section 7.09 of the
Credit Agreement is hereby amended by deleting subsections (a) and (b) of said
Section 7.09 in their entirety and substituting in lieu thereof the following
new subsections (a) and (b):

                  (a)      Interest Coverage. Maintain as of the last day of
         each fiscal quarter, calculated with respect to the immediately
         preceding four fiscal quarters, an Interest Coverage Ratio not less
         than the ratio shown below for each respective fiscal quarter:

<TABLE>
<CAPTION>
            Period                                    Minimum Interest Coverage Ratio
            ------                                    -------------------------------
<S>                                                   <C>
            2nd Fiscal Quarter, 2001                           2.25:1.00
            3rd Fiscal Quarter, 2001 through                   1.75:1.00
                1st Fiscal Quarter, 2002
            2nd Fiscal Quarter, 2002                           2.00:1.00
            3rd Fiscal Quarter, 2002 and                       2.25:1.00
                thereafter
</TABLE>

                  (b)      Funded Debt Coverage. Maintain as of the last day of
         each fiscal quarter, a maximum Funded Debt Coverage Ratio as shown
         below for each respective fiscal quarter:

<TABLE>
<CAPTION>
            Period                                    Maximum Funded Debt Coverage Ratio
            ------                                    ----------------------------------
<S>                                                   <C>
            2nd Fiscal Quarter, 2001                           4.00:1.00
            3rd Fiscal Quarter, 2001                           4.50:1.00
                through 1st Fiscal Quarter, 2002
            2nd Fiscal Quarter, 2002                           4.25:1.00
            3rd Fiscal Quarter, 2002 and                       3.50:1.00
                thereafter
</TABLE>

7.       AMENDMENT TO ARTICLE VII ("AFFIRMATIVE COVENANTS"). Article VII of the
Credit Agreement is hereby amended by adding new Sections 7.13 and 7.14 at the
end of said Article VII as follows:

                  SECTION 7.13. COLLATERAL DOCUMENTS TO BE PROVIDED PURSUANT TO
         AMENDMENT NO. 2. As soon as practicable after the Amendment No. 2
         Effective Date, but in any event within ninety (90) days after such
         date, Interface shall, and shall cause the other

                                       8
<PAGE>

         Credit Parties to, grant first priority, perfected liens to secure the
         Secured Obligations on all assets of the Domestic Credit Parties,
         including (i) all real property, plants, fixtures, and equipment of the
         Domestic Credit Parties, (ii) all inventory, supplies, and work in
         progress of the Domestic Credit Parties, (iii) all accounts receivable
         (subject to the Receivables Intercreditor Agreement) of the Domestic
         Credit Parties, (iv) one hundred percent (100%) of the Capital
         Securities of all Subsidiaries (other than Foreign Subsidiaries), and
         not less than sixty-five percent (65%) of the Capital Securities of
         Foreign Subsidiaries not owned by other Foreign Subsidiaries, and (v)
         all investment property, intercompany notes and payables, deposit
         accounts, and general intangibles, including patents, trademarks,
         copyrights and other intellectual property rights and interests of the
         Domestic Credit Parties; subject, however, in each case to any Liens
         expressly permitted by the terms of this Agreement, and excluding
         assets (x) determined to be non-material by the Required Lenders, or
         (y) subject to existing restrictions against further Liens, to the
         extent such restrictions are expressly permitted by the terms of this
         Agreement and cannot be removed or waived through the best efforts of
         the Credit Parties (which best efforts shall not require that any
         Domestic Credit Party pay any fee or other sum or that any Domestic
         Credit Party agree to an amendment of the underlying transaction giving
         rise to such restriction). In furtherance of the foregoing, but without
         limitation thereof, the Borrowers shall, and shall cause the other
         Credit Parties to, furnish to the Collateral Agent the following
         documents and instruments, all in form and substance satisfactory to
         the Required Lenders (or, if so indicated, the Co-Agents or the
         Collateral Agent, as the case may be) and all to be delivered as soon
         as practicable after the Amendment No. 2 Effective Date but in any
         event within ninety (90) days after such date:

                           (a)      The duly executed Security Agreements,
                  Patent Security Agreements, Copyright Security Agreements, and
                  Trademark Security Agreements, together with copies of filed
                  UCC-1 financing statements, stock certificates, stock powers
                  endorsed in blank, Control Agreements, and other documents
                  necessary for the Collateral Agent to receive a first
                  priority, perfected security interest in the Collateral
                  described in such Security Documents;

                           (b)      The duly executed Mortgages and UCC-1
                  financing statements covering all of the real property and
                  fixtures owned or subject to long-term lease in the United
                  States by any of the Credit Parties, in suitable form for
                  recording in the appropriate public records; provided that
                  such Mortgages and UCC-1 financing statements shall not be
                  required for any parcel or group of related parcels of real
                  property and related fixtures that have a fair market value
                  (as determined by the Co-Agents in their reasonable credit
                  judgment) of less than $1,500,000;

                                       9
<PAGE>

                           (c)      Examination reports of Uniform Commercial
                  Code, judgment, and federal tax lien records as to the
                  Domestic Credit Parties in such jurisdictions as deemed
                  necessary or appropriate by the Required Lenders, evidencing
                  no Liens as to their respective assets other than those Liens
                  expressly permitted pursuant to the terms of this Agreement;

                           (d)      Title examination reports or certificates in
                  respect of the properties described in the Mortgages that have
                  a fair market value (as determined by the Co-Agents in their
                  reasonable credit judgment) of less than $5,000,000,
                  reflecting that title to such properties is vested in the
                  entities delivering the Mortgages or the lessors of the
                  entities delivering the Mortgages and title is free and clear
                  of all defects and encumbrances other than those expressly
                  permitted by the terms of the Credit Agreement or approved by
                  the Co-Agents, such reports or certificates to be in form and
                  substance and issued by title examiners satisfactory to the
                  Co-Agents;

                           (e)      Final, fully paid mortgagee title insurance
                  policies in respect of the properties described in the
                  Mortgages that have a fair market value (as determined by the
                  Co-Agents in their reasonable credit judgment) of at least
                  $5,000,000, insuring that title to such properties is vested
                  in the entities delivering the Mortgages and that the
                  interests created by each such Mortgages constitute valid
                  first priority Liens thereon, free and clear of all defects
                  and encumbrances other than those as approved by the Co-Agents
                  (such policies to include, to the extent available, revolving
                  credit endorsements, comprehensive endorsements, variable rate
                  endorsements, tie-in endorsements, access endorsements and
                  such other endorsements as the Co-Agents shall reasonably
                  request), such title insurance policies to be in amounts and
                  in form and substance and issued by insurers satisfactory to
                  the Co-Agents; provided, however, that title insurance
                  policies insuring Mortgages on any parcel or group of related
                  parcels of real property and related fixtures that have a fair
                  market value (as determined by the Co-Agents in their
                  reasonable credit judgment) of less than $10,000,000 shall be
                  permitted to have "survey exceptions";

                           (f)      (i) Current as-built surveys and surveyor's
                  certificates with respect to the real property described in
                  the respective Mortgages with a fair market value (as
                  determined by the Co-Agents in their reasonable credit
                  judgment) of at least $10,000,000, such surveys and
                  certificates to be in form and substance satisfactory to the
                  Co-Agents, and (ii) copies of any and all surveys and
                  surveyor's certificates with respect to the real property
                  described in the respective Mortgages on with a fair market
                  value (as determined by the Co-Agents in their reasonable
                  credit judgment) of less than $10,000,000, but only to the
                  extent such

                                       10
<PAGE>

                  surveys and certificates are in the possession of, or already
                  prepared for, the Domestic Credit Parties;

                           (g)      Phase I and, if reasonably requested by the
                  Co-Agents, Phase II environmental reports with respect to the
                  real property described in the Mortgages, together with such
                  other certificates, reports, environmental audits and
                  investigations, and other information as the Co-Agents may
                  have reasonably requested in order to establish the absence of
                  any material liabilities or obligations arising from
                  environmental or employee health and safety exposures with
                  respect to such real property, but only to the extent such
                  environmental reports and other materials are in the
                  possession of, or already prepared for, the Domestic Credit
                  Parties;

                           (h)      Certificates of the Secretary or Assistant
                  Secretary of each of the Domestic Credit Parties (or
                  comparable company officer) attaching and certifying copies of
                  the resolutions of the board of directors of the Domestic
                  Credit Parties, authorizing as applicable the execution,
                  delivery and performance of the Security Documents;

                           (j)      Certificates of the Secretary or an
                  Assistant Secretary of each of the Domestic Credit Parties (or
                  comparable company officer) certifying (i) the name, title and
                  true signature of each officer of such entity executing the
                  Security Documents, and (ii) the by-laws, partnership
                  agreement, operating agreement, management agreement, or
                  comparable governing documents of each such entity;

                           (k)      Certified copies of the certificates or
                  articles of incorporation, certificates of limited
                  partnership, articles of organization, and other similar
                  organizational documents of the Domestic Credit Parties
                  certified by the Secretary of State or the Secretary or
                  Assistant Secretary of such Domestic Credit Party, together
                  with certificates of good standing or existence, as may be
                  available from the Secretary of State of the jurisdiction of
                  organization of such Domestic Credit Party;

                           (l)      Copies of all documents and instruments,
                  including all consents, authorizations and filings, required
                  under any Requirement of Law or by any material Contractual
                  Obligation of the Domestic Credit Parties, in connection with
                  the execution, delivery, performance, validity or
                  enforceability of the Security Documents, and such consents,
                  authorizations, filings and orders shall be in full force and
                  effect;

                                       11
<PAGE>

                           (m)      The favorable legal opinions of counsel to
                  the Domestic Credit Parties, addressed to the Co-Agents, the
                  Lenders, and the other Secured Parties, in respect of legal
                  matters relating to the Domestic Credit Parties, the due
                  authorization, execution, delivery, validity, binding effect
                  and enforceability of the Security Documents, perfection of
                  the Liens granted thereby, and other matters relating thereto
                  as the Co-Agents shall reasonably request, in each case from
                  Kilpatrick Stockton LLP, counsel to the Domestic Credit
                  Parties, and local (including foreign) counsel to the Credit
                  Parties in jurisdictions in which Mortgages on property with a
                  fair market value (as determined by the Co-Agents in their
                  reasonable credit judgment) of at least $10,000,000 will be
                  recorded by the Co-Agents;

                           (n)      Policies or certificates of insurance
                  evidencing insurance coverage as to the Collateral and the
                  Domestic Credit Parties as required to be maintained pursuant
                  to the Security Documents, issued by one or more insurance
                  companies satisfactory to the Co-Agents, and showing the
                  Collateral Agent as loss payee and/or additional insured, as
                  applicable; and

                           (o)      Such other documents, certificates, and
                  instruments as may be customarily required in connection with
                  the types of property comprising the Collateral being
                  furnished by the Domestic Credit Parties pursuant to the
                  requirements hereof.

         The Borrowers agree to pay all reasonable out-of-pocket costs and
         expenses of the Co-Agents and the Collateral Agent in connection with
         the preparation, negotiation, execution, delivery, recording and filing
         of the Security Documents and all other documents and requirements
         referred to in this Section 7.13 (including, without limitation, the
         reasonable fees and disbursements of counsel for the Co-Agents and the
         Collateral Agent).

         It shall be a further condition precedent that the Borrowers cause
         Interface Americas, Inc., a Georgia corporation, and Chatham, Inc., a
         North Carolina corporation to become Guarantors no later than August 8,
         2001.

                  SECTION 7.14. FURTHER ASSURANCES. The Borrowers shall, and
         shall cause the other Domestic Credit Parties to, execute any and all
         further documents, financing statements, agreements and instruments,
         and take all further action that may be required under applicable law,
         or that the Required Lenders, the Co-Agents, or the Collateral Agent
         may reasonably request, in order to effect the transactions
         contemplated by this Agreement or the Security Documents and in order
         to grant, preserve, protect and perfect the validity and first priority
         of the security interests created or intended to be created by

                                       12
<PAGE>

         the Security Documents. Without limiting the foregoing, (i) Interface
         shall cause each Material Subsidiary required to deliver a Guaranty
         Agreement pursuant to Section 7.11 to become a party to the Subsidiary
         Pledge and Security Agreement and, if applicable, a Mortgage (but only
         with respect to any parcel or group of related parcels of real property
         owned by such Subsidiary having a fair market value as determined by
         the Co-Agents in their reasonable credit judgment of $1,500,000 or
         more) and other applicable Security Documents, together with such lien
         searches, title reports, title insurance, surveys, phase I
         environmental reports and opinions with respect thereto that Interface
         and the Domestic Credit Parties would have delivered if such Security
         Documents were delivered to the Lenders to satisfy the requirements of
         Section 7.13 above, and (ii) the Borrowers shall, and shall cause the
         other Credit Parties to, promptly secure the Secured Obligations by
         pledging or creating perfected security interests with respect to
         assets acquired by any Domestic Credit Parties subsequent to the date
         of the respective Security Documents as required by the terms thereof.
         In connection therewith, the Borrowers shall, and shall cause other
         applicable Credit Parties to, deliver to the Co-Agents all such
         instruments and documents (including legal opinions and lien searches)
         as the Co-Agents shall reasonably request to evidence compliance with
         this Section. The Borrowers agree to provide such evidence as the
         Collateral Agent shall reasonably request as to the perfection and
         priority status of each such security interest and Lien.

8.       AMENDMENT TO SECTION 8.01 ("INDEBTEDNESS"). Section 8.01 of the Credit
Agreement is hereby amended by deleting clause (a) of said Section 8.01 in its
entirety and substituting in lieu thereof the following clause (a):

                  (a)      Indebtedness under this Agreement and any other
         Secured Obligations;

9.       AMENDMENT TO SECTION 8.02 ("LIENS"). Section 8.02 of the Credit
Agreement is hereby amended by deleting clause (g) of said Section 8.02 in its
entirety and substituting in lieu thereof the following clause (g):

                  (g)      Liens in favor of the Collateral Agent securing the
         Secured Obligations;

10.      AMENDMENT TO SECTION 8.03 ("MERGERS, ACQUISITIONS, SALES, ETC.").
Section 8.03 of the Credit Agreement is hereby amended by deleting clause (iv)
of said Section 8.03 in its entirety and substituting in lieu thereof the
following clause (iv):

         (iv)     purchases or other acquisitions of all or any substantial
         portion of the property or assets of any Person (including Capital
         Securities, and including all or any substantial portion of the
         property or assets of any division, line of business, or business
         segment of such Person), provided that (x) such purchases and
         acquisitions subsequent to the Amendment No. 2 Effective Date may not
         exceed an aggregate amount of $25,000,000

                                       13
<PAGE>

         (based on the cash portion of the purchase prices payable in respect of
         such transactions), if after giving effect to any such purchase or
         acquisition, Interface's Funded Debt Coverage Ratio is greater than
         3.25:1.00 on a pro forma basis, (y) any such transaction has been
         approved in advance by a majority of the board of directors of the
         Seller, and (z) where the cash portion of the purchase price payable in
         any such transaction exceeds (A) $10,000,000 if after giving effect to
         any such purchase or acquisition, Interface's Funded Debt Coverage
         Ratio is greater than 3.25:1.00 on a pro forma basis, and (B)
         $50,000,000 if after giving effect to any such purchase or acquisition,
         Interface's Funded Debt Coverage Ratio is equal to or less than
         3.25:1.00 on a pro forma basis, then (1) such transaction shall be
         subject to the prior written approval of the Required Lenders, and (2)
         Interface shall provide the Lenders pro forma financial statements
         demonstrating Interface's continued compliance with the financial
         covenants set forth in Section 7.09 and the other terms of this
         Agreement after giving effect to any such transaction (for purposes of
         computing Interface's Funded Debt Coverage Ratio on a pro forma basis
         with respect to any particular purchase or acquisition transaction,
         such ratio shall be computed with respect to the four consecutive
         fiscal quarters ending with Interface's most recently completed fiscal
         quarter and on the assumption that such purchase or acquisition
         occurred on the first day of such four-quarter period);

11.      AMENDMENT TO SECTION 8.04 ("PAYMENTS OR REFINANCINGS IN RESPECT OF
SUBORDINATED DEBT OR EQUITY SECURITIES"). Section 8.04 of the Credit Agreement
is hereby amended by deleting in its entirety clause (ii) of the first sentence
of said Section 8.04, and substituting in lieu thereof the following clause
(ii):

         (ii)     Interface's Funded Debt Coverage Ratio is less than 3.25:1.00,
         and Interface's Interest Coverage Ratio is greater than 2.25:1.00, in
         each case as of the end of the then most recent fiscal quarter of
         Interface (both on an actual basis and after giving pro forma effect to
         all such payments, refinancings or replacements).

12.      WAIVER OF EVENT OF DEFAULT. The Lenders hereby agree to waive any and
all Events of Default resulting from Interface's purchase, redemption, or other
acquisition of its equity securities on and after the Closing Date, and prior to
the Amendment No. 2 Effective Date, at any time when such action was not
permitted by the terms of Section 8.04 of the Credit Agreement, for an aggregate
consideration paid in respect of all such purchases, redemptions, and other
acquisitions not to exceed $13,000,000. The foregoing waiver is limited to any
Events of Default occurring as a result of any such breaches of said Section
8.04, and no other waivers of any other Defaults or Events of Default pursuant
to the terms of the Credit Agreement are being granted or are implied hereby.

13.      AMENDMENT FEES. In consideration of the Lenders entering into this
Amendment, and granting the waiver as provided in Section 12 of this Amendment,
the Borrowers agree to pay to

                                       14
<PAGE>

the Domestic Agent, for the account of each Lender who has executed and
delivered to the Domestic Agent a counterpart of this Amendment not later than
5:00 p.m. (Atlanta, Georgia time) on August 8, 2001, an amount equal to (x) such
Lender's Total Commitment (after giving effect to the reduction in such Total
Commitment being made pursuant to the terms of this Amendment), multiplied by
(y) 0.25%.

14.      REPRESENTATIONS AND WARRANTIES. Each of Interface (as to itself and all
other Consolidated Companies) and each of the other Borrowers (as to itself and
all of its Subsidiaries) represents and warrants to the Lenders as follows:

         (a)      All representations and warranties set forth in the Credit
Agreement are true and correct in all material respects with the same effect as
though such representations and warranties have been made on and as of the date
hereof (except that the representation and warranty set forth in Section 6.19 of
the Credit Agreement shall not be deemed to relate to any time subsequent to the
date of the initial Loans under the Credit Agreement);

         (b)      No Default or Event of Default has occurred and is continuing
on the date hereof;

         (c)      Since the date of the most recent financial statements of the
Consolidated Companies submitted to the Lenders pursuant to Section 7.07(b),
there has been no change which has had or could reasonably be expected to have a
Materially Adverse Effect (whether or not any notice with respect to such change
has otherwise been furnished to the Lenders pursuant to Section 7.07);

         (d)      Each of the Borrowers has the corporate power and authority to
make, deliver and perform this Amendment and has taken all necessary corporate
action to authorize the execution, delivery and performance of this Amendment.
No consent or authorization of, or filing with, any Person (including, without
limitation, any governmental authority), is required in connection with the
execution, delivery or performance by any Borrower, or the validity or
enforceability against any Borrower, of this Amendment, other than such
consents, authorizations or filings which have been made or obtained (including
without limitation, any necessary consultations with any Borrower's supervisory
board, works council ("Ondernemingsraad") or similar body); and

         (e)      This Amendment has been duly executed and delivered by each of
the Borrowers and this Amendment constitutes a legal, valid and binding
obligations of the Borrowers, respectively, enforceable against the Borrowers in
accordance with their respective terms, except as may be limited by applicable
bankruptcy, insolvency, reorganization, moratorium, or similar laws affecting
the enforcement of creditors' rights generally and by general principles of
equity.

                                       15
<PAGE>

         (f)      The following entities have been merged into Interface Inc. or
another Subsidiary Guarantor: Guilford (Delaware), Inc., Interface Europe, Inc.,
Interface Asia-Pacific, Inc., Prince Street Technologies, Ltd., Guilford of
Maine Decorative Fabrics, Inc., Interface Holding Company, Interface Specialty
Resources, Inc., Interface Royalty Company and Interface Licensing Company.

15.      EFFECTIVENESS OF AMENDMENT. This Amendment shall become effective upon
(i) the execution and delivery to the Domestic Agent of counterparts hereof
(whether originals or facsimile transmissions thereof) on behalf of each of the
Credit Parties, the Co-Agents, and those Lenders constituting the Required
Lenders for purposes of the Credit Agreement, (ii) payment to the Domestic
Agent, for the account of those Lenders who have executed and delivered to the
Domestic Agent a counterpart of this Amendment not later than 5:00 p.m.
(Atlanta, Georgia time) on August 8, 2001, the amendment fees as provided in
Section 13 above, and (iii) payment of all other fees, costs and expenses of the
Co-Agents in respect of this Amendment, including without limitation, all
reasonable fees and expenses of counsel for the Co-Agents.

16.      REFERENCES TO CREDIT AGREEMENT. On and after the date this Amendment
becomes effective as provided in Section 15 above, each and every reference in
the Credit Documents to the Credit Agreement shall be deemed to refer to and
mean the Credit Agreement as amended by this Amendment. The Borrowers further
confirm and agree that (i) except as expressly amended herein, the Credit
Agreement remains in full force and effect in accordance with its terms, and
(ii) all other Credit Documents remain in full force and effect in accordance
with their respective terms.

17.      COUNTERPARTS. This Amendment may be executed in any number of
counterparts and by the different parties hereto on separate counterparts, each
of which when so executed and delivered shall be an original, but all of which
shall together constitute one and the same instrument.

18.      MISCELLANEOUS. This Amendment and the rights and obligations of the
parties hereunder shall be construed in accordance with and be governed by the
law (without giving effect to the conflict of law principles thereof) of the
State of Georgia. This Amendment shall be binding on and shall inure to the
benefit of and be enforceable by the respective successors and assigns of the
parties hereto.

                                       16
<PAGE>

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed and delivered in Atlanta, Georgia, by their duly authorized
officers as of the day and year first above written.

                                 INTERFACE, INC.

                                 By:      /s/ Daniel T. Hendrix
                                          -------------------------------------
                                          Daniel T. Hendrix
                                          President and Chief Executive Officer

                                 INTERFACE EUROPE B.V.

                                 By:      /s/ Daniel T. Hendrix
                                          -------------------------------------
                                          Daniel T. Hendrix
                                          Attorney-in-Fact

                                 INTERFACE EUROPE LIMITED

                                 By:      /s/ Daniel T. Hendrix
                                          -------------------------------------
                                          Daniel T. Hendrix
                                          Attorney-in-Fact

                                       17
<PAGE>

                          SUNTRUST BANK
                          (FORMERLY SUNTRUST BANK, ATLANTA),
                          AS DOMESTIC AGENT, COLLATERAL AGENT,
                          AND A LENDER

                          By:      /s/ Laura Kahn
                                   ---------------------------------------------
                                   Name:  Laura Kahn
                                   Title:  Director, Senior Relationship Manager

<TABLE>
<CAPTION>
                                                  AMOUNT              PRO RATA SHARE
                                             ----------------         --------------
<S>                                          <C>                      <C>
DOMESTIC SYNDICATED
LOAN COMMITMENT:                             $  21,208,333.33            11.7824%

MULTICURRENCY SYNDICATED
LOAN COMMITMENT:                             $   9,625,000.00            13.7500%

TOTAL COMMITMENT
(EXCLUDING DOMESTIC
SWING LINE):                                 $  30,833,333.33            12.3333%
</TABLE>

                                       18
<PAGE>

                                   BANK ONE, NA
                                   (FORMERLY THE FIRST NATIONAL BANK OF
                                   CHICAGO), AS MULTICURRENCY AGENT AND
                                   A LENDER

                                   By:      /s/ Steven P. Sullivan
                                            ---------------------------------
                                            Name:  Steven P. Sullivan
                                            Title:  Corporate Banking Officer

<TABLE>
<CAPTION>
                                                  AMOUNT              PRO RATA SHARE
                                             ----------------         --------------
<S>                                          <C>                      <C>

DOMESTIC SYNDICATED
LOAN COMMITMENT:                             $  21,208,333.33            11.7824%

MULTICURRENCY SYNDICATED
LOAN COMMITMENT:                             $   9,625,000.00            13.7500%

TOTAL COMMITMENT
(EXCLUDING DOMESTIC
SWING LINE):                                 $  30,833,333.33            12.3333%
</TABLE>

                                       19
<PAGE>

                                      ABN AMRO BANK N.V.

                                      By:      /s/ Mary L. Honda
                                               --------------------------------
                                               Name:  Mary L. Honda
                                               Title:  Group Vice President

                                      By:      /s/ Wendy L. Watters
                                               --------------------------------
                                               Name:  Wendy L. Watters
                                               Title:  Vice President

<TABLE>
<CAPTION>
                                                  AMOUNT              PRO RATA SHARE
                                             ----------------         --------------
<S>                                          <C>                      <C>
DOMESTIC SYNDICATED
LOAN COMMITMENT:                             $  18,266,666.67            10.1481%

MULTICURRENCY SYNDICATED
LOAN COMMITMENT:                             $   8,400,000.00            12.0000%

TOTAL COMMITMENT:                            $  26,666,666.67            10.6667%
</TABLE>

                                       20
<PAGE>

                          THE BANK OF TOKYO-MITSUBISHI,
                                   LTD., ATLANTA AGENCY

                          By:      /s/ Heather Zimmermann
                                   --------------------------------------------
                                   Name:  Heather Zimmermann (Attorney-in-Fact)
                                   Title:  Vice-President

<TABLE>
<CAPTION>
                                                 AMOUNT            PRO RATA SHARE
                                             -------------         --------------
<S>                                          <C>                   <C>
DOMESTIC SYNDICATED
LOAN COMMITMENT:                             $  12,291,667              6.83%

MULTICURRENCY SYNDICATED
LOAN COMMITMENT:                             $   4,375,000              6.25%

TOTAL COMMITMENT:                            $  16,666,667              6.67%
</TABLE>

                                       21
<PAGE>

                          CIBC INC.

                          By:      /s/ Dominic Sorresso
                                   ------------------------------------------
                                   Name:  Dominic Sorresso
                                   Title:  Executive Director
                                           CIBC World Markets Corp., As Agent

<TABLE>
<CAPTION>
                                                  AMOUNT              PRO RATA SHARE
                                             ----------------         --------------
<S>                                          <C>                      <C>
DOMESTIC SYNDICATED
LOAN COMMITMENT:                             $  12,291,666.67             6.8287%

MULTICURRENCY SYNDICATED
LOAN COMMITMENT:                             $   4,375,000.00             6.2500%

TOTAL COMMITMENT:                            $  16,666,666.67             6.6667%
</TABLE>

                                       22
<PAGE>

                                      BANK AUSTRIA CREDITANSTALT
                                      CORPORATE FINANCE, INC.

                                      By:      /s/ Francesco Ossino
                                               ---------------------------
                                               Name:  Francesco Ossino
                                               Title:  Vice President

                                      By:      /s/ Timothy L. Harrod
                                               ---------------------------
                                               Name:  Timothy L. Harrod
                                               Title:  Managing Director

<TABLE>
<CAPTION>
                                                  AMOUNT              PRO RATA SHARE
                                             ----------------         --------------
<S>                                          <C>                      <C>
DOMESTIC SYNDICATED
LOAN COMMITMENT:                             $  21,666,666.67            12.0370%

MULTICURRENCY SYNDICATED
LOAN COMMITMENT:                             $              0             0.0000%

TOTAL COMMITMENT:                            $  21,666,666.67             8.6667%
</TABLE>

                                       23
<PAGE>

                                         FIRST UNION NATIONAL BANK

                                         By:      /s/ David J.C. Silander
                                                  ---------------------------
                                                  Name:  David J.C. Silander
                                                  Title:  Vice President

<TABLE>
<CAPTION>
                                                 AMOUNT            PRO RATA SHARE
                                             -------------         --------------
<S>                                          <C>                   <C>
DOMESTIC SYNDICATED
LOAN COMMITMENT:                             $  18,266,667             10.15%

MULTICURRENCY SYNDICATED
LOAN COMMITMENT:                             $   8,400,000             12.00%

TOTAL COMMITMENT:                            $  26,666,667             10.67%
</TABLE>

                                       24
<PAGE>

                                         FLEET NATIONAL BANK

                                         By:      /s/ Neil C. Buitenhuys
                                                  ---------------------------
                                                  Name:  Neil C. Buitenhuys
                                                  Title:  Vice President

<TABLE>
<CAPTION>
                                                  AMOUNT              PRO RATA SHARE
                                             ----------------         --------------
<S>                                          <C>                      <C>
DOMESTIC SYNDICATED
LOAN COMMITMENT:                             $  18,266,666.67            10.1481%

MULTICURRENCY SYNDICATED
LOAN COMMITMENT:                             $   8,400,000.00            12.0000%

TOTAL COMMITMENT:                            $  26,666,666.67            10.6667%
</TABLE>

                                       25
<PAGE>

                                            BANK OF AMERICA, N.A.
                                            (FORMERLY NATIONSBANK, N.A.)

                                            By:      /s/ Deirdre B. Doyle
                                                     ---------------------------
                                                     Name:  Deirdre B. Doyle
                                                     Title:  Principal

<TABLE>
<CAPTION>
                                                  AMOUNT              PRO RATA SHARE
                                             ----------------         --------------
<S>                                          <C>                      <C>
DOMESTIC SYNDICATED
LOAN COMMITMENT:                             $  18,266,666.67            10.1481%

MULTICURRENCY SYNDICATED
LOAN COMMITMENT:                             $   8,400,000.00            12.0000%

TOTAL COMMITMENT:                            $  26,666,666.67            10.6667%
</TABLE>

                                       26
<PAGE>

                                      WACHOVIA BANK, N.A.

                                      By:      /s/ Anne L. Sayles
                                               -----------------------------
                                               Name:  Anne L. Sayles
                                               Title:  Senior Vice President

<TABLE>
<CAPTION>
                                                  AMOUNT              PRO RATA SHARE
                                             ----------------         --------------
<S>                                          <C>                      <C>
DOMESTIC SYNDICATED
LOAN COMMITMENT:                             $  18,266,666.67            10.1481%

MULTICURRENCY SYNDICATED
LOAN COMMITMENT:                             $   8,400,000.00            12.0000%

TOTAL COMMITMENT:                            $  26,666,666.67            10.6667%
</TABLE>

                                       27
<PAGE>

                          ACKNOWLEDGMENT AND AGREEMENT
                            OF SUBSIDIARY GUARANTORS

         Reference is hereby made to the within and foregoing Amendment No. 2 to
Third Amended and Restated Credit Agreement dated as of August 8, 2001, by and
among Interface, Inc., Interface Europe B.V., Interface Europe Limited, SunTrust
Bank, as Domestic Agent and Collateral Agent, Bank One, N.A., as Multicurrency
Agent, and the Lenders parties thereto ("Amendment No. 2"; capitalized terms
used herein that are defined in Amendment No. 2 or in the "Credit Agreement" as
defined in Amendment No. 2 being used herein with the respective meanings
assigned to such capitalized terms in Amendment No. 2 or the Credit Agreement,
as the case may be). Each of the undersigned, which is a Subsidiary Guarantor
under the terms of the Third Amended and Restated Subsidiary Guaranty Agreement
referred to in the Credit Agreement, hereby acknowledges and agrees that (i) the
undersigned has consented to the foregoing Amendment No. 2, (ii) the Third
Amended and Restated Subsidiary Guaranty Agreement and the other Credit
Documents to which each of the undersigned is a party shall remain in full force
and effect on and after the date hereof, and (iii) each of the undersigned
hereby reaffirms and restates its obligations and liabilities under the Third
Amended and Restated Subsidiary Guaranty Agreement and the other Credit
Documents to which each of the undersigned is a party after giving effect to
Amendment No. 2.

         This Acknowledgment and Agreement of Subsidiary Guarantors made and
delivered as of August 8, 2001.

                                    EACH CORPORATION OR COMPANY
                                    LISTED ON SCHEDULE I ATTACHED
                                    HERETO:

                                    By:      /s/ Daniel T. Hendrix
                                             -----------------------------------
                                             Daniel T. Hendrix
                                             Title:

<PAGE>

                                   SCHEDULE I

                              SUBSIDIARY GUARANTORS

Interface Interior Fabrics, Inc., a Delaware corporation
  (Formerly Guilford of Maine, Inc.)

Interface Flooring Systems, Inc., a Georgia corporation

Interface Overseas Holdings, Inc., a Georgia corporation and successor by merger
to Interface Europe, Inc. and Interface Asia-Pacific, Inc.

Bentley Mills, Inc., a Delaware corporation

Intek, Inc., a Georgia corporation

Toltec Fabrics, Inc., a Georgia corporation

Interface Architectural Resources, Inc., a Michigan corporation
  (Formerly C-Tec, Inc.)

Guilford of Maine, Inc., a Nevada corporation

Guilford of Maine Finishing Services, Inc., a Nevada corporation

Guilford of Maine Marketing Co., a Nevada corporation

Intek Marketing Co., a Nevada corporation

Interface Americas Workplace Solutions, Inc.,
    (formerly Interface Americas Services, Inc.)

Interface Americas Holdings, Inc., a Georgia corporation (formerly Interface
Americas, Inc.)

Re:Source Americas Enterprises, Inc., a Georgia corporation

Prince Street Royalty Company, a Nevada corporation

Bentley Royalty Company, a Nevada corporation

<PAGE>

Superior/Reiser Flooring Resources, Inc., a Texas corporation

Quaker City International, Inc., a Pennsylvania corporation

Commercial Flooring Systems, Inc., a Pennsylvania corporation

Re: Source Massachusetts, Inc., a Massachusetts corporation formerly known as
Congress Flooring Corp.

Flooring Consultants, Inc., an Arizona corporation

Re:Source New York, Inc., a New York corporation formerly known as Lasher/White
Carpet Company, Inc.

Re:Source New Jersey, Inc., a New Jersey corporation formerly known as B.
Shehadi & Sons, Inc.

Interface Americas, Inc., a Georgia corporation

Chatham, Inc., a North Carolina corporation

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00031-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00031-of-00352.parquet"}]]