Dated as of October 26, 2005 AMENDMENT NO. 4 TO THE CREDIT AGREEMENT (this "Amendment No. 4") among Headwaters Incorporated, a Delaware corporation (the "Borrower"), the Lenders (as hereinafter defined) party hereto, Morgan Stanley & Co. Incorporated...Credit Agreement • November 8th, 2005 • Headwaters Inc • Miscellaneous products of petroleum & coal • New York
