Retention Agreement - The CIT Group Inc. and Albert R. Gamper Jr.


                               RETENTION AGREEMENT



         AGREEMENT by and among Tyco Acquisition Corp. XIX (NV), a Nevada
corporation ("Acquiror"), The CIT Group, Inc., a Delaware corporation (the
"Company") and Albert R. Gamper, Jr. (the "Executive") dated as of the 12th day
of March, 2001.

         Acquiror has determined that because of the unique nature of the
Executive's services to the Company it is in the best interests of Acquiror and
its parent company, Tyco International Ltd., a Bermuda company ("Parent") and
Parent's shareholders to assure that the Company will have the continued
dedication of the Executive and his critical assistance pending the completion
of the acquisition by Acquiror of the Company (the "Acquisition") pursuant to
the Agreement and Plan of Merger dated as of March 12, 2001, and to provide the
Company with the continuity of management Acquiror considers crucial to ensuring
the Company's continued success. Therefore, in order to accomplish these
objectives, the Boards of Directors of Acquiror and the Company have caused
Acquiror and the Company to enter into this Agreement.

         NOW, THEREFORE, IT IS HEREBY AGREED AS FOLLOWS:

         1. EFFECTIVE DATE. The "Effective Date" shall mean the effective date
of the Acquisition.

         2. RETENTION PERIOD. The Company hereby agrees to employ the
Executive, and the Executive hereby agrees to be employed by the Company subject
to the terms and conditions of this Agreement, for the period commencing on the
Effective Date and ending on the third anniversary thereof (the "Retention
Period").

         3. TERMS OF EMPLOYMENT. (a) POSITION AND DUTIES. (i) During
the Retention Period (A) the Executive shall serve as the Chief Executive
Officer of the Company with such authority, duties and responsibilities as are
commensurate with such position and as may be consistent with such position,
reporting directly to the Chief Executive Officer of Parent, (B) the Executive's
services shall be performed in Livingston, New Jersey, and (C) the Executive
shall be appointed to serve as a member of the Board of Directors of Parent (the
"Board") as soon as permitted by Parent's by-laws and until such appointment
shall attend the meetings of Parent's Board of Directors as an observer.

                  (ii) During the Retention Period, and excluding any periods of
vacation and sick leave to which the Executive is entitled, the Executive agrees
to devote substantially all of his attention and time during normal business
hours to the business and affairs of the Company and, to the extent necessary to
discharge the responsibilities assigned to the Executive hereunder, to use the
Executive's reasonable best efforts to perform faithfully and efficiently such
responsibilities. During the Retention Period, it shall not be a violation of
this Agreement for the Executive to (A) serve on corporate, civic or charitable
boards or committees, (B) deliver lectures, fulfill speaking engagements or
teach at educational institutions and (C) manage personal investments, so long
as such activities do not significantly interfere with the performance of the
Executive's responsibilities as an employee of the Company in accordance with
this Agreement. It is expressly understood and agreed that to the extent that
any such activities have




been conducted by the Executive prior to the Effective Date, the continued
conduct of such activities (or the conduct of activities similar in nature and
scope thereto) subsequent to the Effective Date shall not thereafter be deemed
to interfere with the performance of the Executive's responsibilities to the
Company.

         (b) COMPENSATION. (i) BASE SALARY. During the Retention Period, the
Executive shall receive an annual base salary ("Annual Base Salary") of no less
than $1,000,000. During the Retention Period, the Annual Base Salary shall be
reviewed at the time that the salaries of all of the executive officers of the
Company are reviewed. Any increase in Annual Base Salary shall not serve to
limit or reduce any other obligation to the Executive under this Agreement.
Annual Base Salary shall not be reduced after any such increase and the term
Annual Base Salary as utilized in this Agreement shall refer to Annual Base
Salary as so increased.

                  (ii) ANNUAL BONUS. For each complete fiscal year during the
Retention Period, the Executive shall receive an annual cash bonus ("Annual
Bonus") based upon performance targets with respect to the Company that are
mutually established by and acceptable to the Executive and the Chief Executive
Officer of Parent. In addition, the Executive shall receive a cash bonus in the
amount of $1,000,000 on September 30, 2001, provided that the Company has
achieved by such date the mutually agreed-upon target financial projections
established by the Executive and the Chief Executive Officer of Parent on or
prior to the Effective Date.

                  (iii) SPECIAL CASH BONUS. On September 30, 2002, the Executive
shall receive a cash payment of $3,000,000 (the "Special Cash Bonus"), provided
that the Company has achieved at least fifteen percent (15%) growth in its net
income from the prior annual period.

                  (iv) INCENTIVE AWARDS. On the Effective Date, Parent shall
grant to the Executive 300,000 restricted shares of Parent's common stock (the
"Restricted Stock") pursuant to the terms of Parent's stock incentive plan.
Except as otherwise provided herein, all restrictions on the shares of
Restricted Stock shall lapse, and the shares shall be fully vested, on the third
anniversary of the Effective Date. On the Effective Date, Parent shall also
grant to the Executive an option to acquire 1,200,000 shares of Parent's common
stock (the "Option"). The Option will have an exercise price equal to the fair
market value of the stock subject thereto on the date of grant (determined in
accordance with the terms of and standard practice under Parent's stock
incentive plan) and shall remain exercisable for a term not to extend beyond the
earlier of the tenth anniversary of the date of grant or the third anniversary
of the Executive's Date of Termination, whether or not the Executive remains
employed by the Company. Except as otherwise provided herein, the Option shall
vest with respect to one third (1/3) of the Option shares on the first
anniversary of the date of grant, one third (1/3) of the Option shares on the
second anniversary of the date of grant, and one third (1/3) of the Option
shares on the third anniversary of the date of grant. As soon as practicable
following the Effective Date, Parent and the Executive shall enter into a
written stock option and restricted stock agreement under the terms of Parent's
stock incentive plan containing the terms and provisions not inconsistent with
those set forth herein. Without limiting the generality of Section 3(b)(v)
hereof, the Executive shall also be eligible for additional equity and
non-equity awards under Parent's stock incentive and other long-term incentive
compensation plans during the Retention Period as determined by the Board or its
delegate in its (or its delegate's) sole discretion.


                                      -2-


                  (v) OTHER BENEFITS. During the Retention Period, the Executive
shall be entitled to participate in all employee pension, welfare, perquisites,
fringe benefit, and other benefit plans, practices, policies and programs
generally applicable to the most senior executives of the Company on a basis and
on terms no less favorable than that provided to the Executive immediately prior
to the Effective Date. In addition, the Executive shall receive during the
Retention Period all "expense reimbursement" and "additional benefits"
specifically provided to the Executive pursuant to Section 3(c) and (e) of the
Employment Agreement between the Executive and the Company dated as of November
1, 1999 (the "Prior Agreement"), which shall be provided by the Company to the
Executive on the same basis as such benefits were provided to the Executive
immediately prior to the Effective Date. In addition, the Executive shall be
entitled to continued participation in the Company's Executive Retirement
Program and all other supplemental and excess retirement plans existing on the
date of this Agreement during the Retention Period, at economic levels at least
equal to the levels of Executive's participation in such plans or programs as of
the date immediately prior to the Effective Date. In addition, the Executive and
his spouse shall be eligible to receive benefits under the current Company
retiree medical and life insurance plan (as existing on the date of this
Agreement) for the remainder of the lives of the Executive and his spouse
provided that the Company may substitute coverage on a no less favorable basis
under another plan covering employees and former employees of Parent or its
subsidiaries in the event the medical and/or life insurance plan of the Company
is terminated. The Company shall not withhold its consent to the Executive's
"retirement" at any time after the Effective Date for purposes of any such plans
and programs.

                  (vi) EXPENSES. During the Retention Period, the Executive
shall be entitled to receive prompt reimbursement for all expenses incurred by
the Executive in accordance with the Company's expense reimbursement policies.

                  (vii) VACATION. During the Retention Period, the Executive
shall be entitled to paid vacation in accordance with the plans, policies,
programs and practices of the Company as in effect with respect to the senior
executives of the Company.

         4. TERMINATION OF EMPLOYMENT. (a) DEATH OR DISABILITY. The Executive's
employment shall terminate automatically upon the Executive's death during the
Retention Period. If the Company determines in good faith that the Disability of
the Executive has occurred during the Retention Period (pursuant to the
definition of Disability set forth below), it may give to the Executive written
notice in accordance with Section 11(a) of this Agreement of its intention to
terminate the Executive's employment. In such event, the Executive's employment
with the Company shall terminate effective on the 30th day after receipt of such
notice by the Executive (the "Disability Effective Date"), provided that, within
the 30 days after such receipt, the Executive shall not have returned to
full-time performance of the Executive's duties. For purposes of this Agreement,
"Disability" shall mean the absence of the Executive from the Executive's duties
with the Company on a full-time basis for 180 consecutive business days as a
result of incapacity due to mental or physical illness which is determined to be
total and permanent by a physician selected by the Company or its insurers and
acceptable to the Executive or the Executive's legal representative.

         (b) CAUSE. The Company may terminate the Executive's employment during
the Retention Period for Cause. For purposes of this Agreement, "Cause" shall
mean:


                                      -3-


                  (i) the willful and continued failure of the Executive to
perform substantially the Executive's duties with the Company or one of its
affiliates (other than any such failure resulting from incapacity due to
physical or mental illness), after a written demand for substantial performance
is delivered to the Executive by the Board or the Chief Executive Officer of
Parent which specifically identifies the manner in which the Board or Chief
Executive Officer of Parent believes that the Executive has not substantially
performed the Executive's duties, or

                  (ii) the willful engaging by the Executive in illegal conduct
or gross misconduct which is materially and demonstrably injurious to the
Company or its affiliates, or

                  (iii) conviction of a felony or guilty or nolo contendere plea
by the Executive with respect thereto; or

                  (iv) a material breach of Section 9 of this Agreement.

For purposes of this provision, no act or failure to act on the part of the
Executive shall be considered "willful" unless it is done, or omitted to be
done, by the Executive in bad faith or without reasonable belief that the
Executive's action or omission was in the best interests of the Company. Any
act, or failure to act, based upon express authority given pursuant to a
resolution duly adopted by the Board with respect to such act or omission or
upon the instructions of the Chief Executive Officer of Parent or a senior
officer of Parent or based upon the advice of counsel for Parent or the Company
shall be conclusively presumed to be done, or omitted to be done, by the
Executive in good faith and in the best interests of the Company.

         (c) GOOD REASON. The Executive's employment may be terminated by the
Executive for Good Reason. For purposes of this Agreement, "Good Reason" shall
mean in the absence of a written consent of the Executive:

                  (i) the assignment to the Executive of any duties materially
inconsistent in any respect with the Executive's position (including status,
offices, titles and reporting requirements), authority, duties or
responsibilities as contemplated by Section 3(a) of this Agreement, or any other
action by the Company which results in a material diminution in such position,
authority, duties or responsibilities, excluding for this purpose and an action
not taken in bad faith and which is remedied by the Company promptly after
receipt of notice thereof given by the Executive;

                  (ii) any failure by the Company to comply with any of the
provisions of Section 3(b) of this Agreement, other than failure not occurring
in bad faith and which is remedied by the Company promptly after receipt of
notice thereof given by the Executive;

                  (iii) the Company's requiring the Executive to be based at any
office or location more than 50 miles from that provided in Section 3(a)(i)(B)
hereof, provided that reasonable travel required in connection with Executive's
reporting relationships and responsibilities to the Board shall not be deemed a
breach hereof;

                  (iv) any purported termination by the Company of the
Executive's employment otherwise than as expressly permitted by this Agreement;
or


                                      -4-


                  (v) any failure by the Company to comply with and satisfy
Section 10(b) of this Agreement.

         (d) NOTICE OF TERMINATION. Any termination by the Company for Cause, or
by the Executive for Good Reason, shall be communicated by Notice of Termination
to the other party hereto given in accordance with Section 11(a) of this
Agreement. For purposes of this Agreement, a "Notice of Termination" means a
written notice which (i) indicates the specific termination provision in this
Agreement relied upon, (ii) to the extent applicable, sets forth in reasonable
detail the facts and circumstances claimed to provide a basis for termination of
the Executive's employment under the provision so indicated and (iii) if the
Date of Termination (as defined below) is other than the date of receipt of such
notice, specifies the termination date (which date shall be not more than thirty
days after the giving of such notice). The failure by the Executive or the
Company to set forth in the Notice of Termination any fact or circumstance which
contributes to a showing of Good Reason or Cause shall not waive any right of
the Executive or the Company, respectively, hereunder or preclude the Executive
or the Company, respectively, from asserting such fact or circumstance in
enforcing the Executive's or the Company's rights hereunder.

         (e) DATE OF TERMINATION. "Date of Termination" means (i) if the
Executive's employment is terminated by the Company for Cause, or by the
Executive for Good Reason, the date of receipt of the Notice of Termination or
any later date specified therein within 30 days of such notice, as the case may
be, (ii) if the Executive's employment is terminated by the Company other than
for Cause or Disability, the Date of Termination shall be the date on which the
Company notifies the Executive of such termination and (iii) if the Executive's
employment is terminated by reason of death or Disability, the Date of
Termination shall be the date of death of the Executive or the Disability
Effective Date, as the case may be.

         5. OBLIGATIONS OF THE COMPANY UPON TERMINATION. (a) GOOD REASON; OTHER
THAN FOR CAUSE. If, during the Retention Period, the Company shall terminate the
Executive's employment other than for Cause or the Executive shall terminate
employment for Good Reason:

                  (i) except as specified below, the Company shall pay to the
Executive in a lump sum in cash within 30 days after the Date of Termination the
aggregate of the following amounts:

                  A. the sum of (1) the Executive's Annual Base Salary through
         the Date of Termination to the extent not theretofore paid, and (2) the
         product of (x) the $1,000,000 and (y) a fraction, the numerator of
         which is the number of days in the fiscal year in which the Date of
         Termination occurs through the Date of Termination, and the denominator
         of which is 365, in each case to the extent not theretofore paid (the
         sum of the amounts described in clauses (1) and (2), shall be
         hereinafter referred to as the "Accrued Obligations"); and

                  B. the amount equal to the product of (x) three (3) and (y)
         the sum of (I) the Executive's Annual Base Salary and (II) $1,000,000
         which shall be paid in accordance with Executive's normal payroll
         periods immediately prior to the Date of Termination in equal
         installments for a period of three (3) years, subject to Section 9; and


                                      -5-


                  (ii) to the extent not previously paid, the Company shall pay
to the Executive the Special Cash Bonus (without regard to the financial
performance of the Company) in a lump sum in cash within 30 days of the Date of
Termination; and

                  (iii) the Options and the Restricted Stock and any other stock
incentives held by the Executive shall vest immediately; and

                  (iv) to the extent not theretofore paid or provided, the
Company shall timely pay or provide to the Executive any other amounts or
benefits required to be paid or provided or which the Executive is eligible to
receive under any plan, program, policy or practice or contract or agreement of
the Company and its affiliates, including but not limited to provision of
benefits under the Company's retiree medical plan as provided in Section 3(b)(v)
hereof (such amounts and benefits, the "Other Benefits") in accordance with the
terms and normal procedures of each such plan, program, policy or practice; and

                  (v) to the extent permitted by applicable law, the Executive
shall be credited with age and service credit under all relevant Company
retirement plans (including qualified, supplemental and excess plans) through
the third anniversary of the Effective Date (the "Retirement Benefit").

         (b) CAUSE; OTHER THAN FOR GOOD REASON. If the Executive's employment
shall be terminated for Cause or the Executive terminates his employment without
Good Reason during the Retention Period, this Agreement shall terminate without
further obligations to the Executive other than the obligation to pay or provide
to the Executive an amount equal to the amount set forth in clause (1) of
Section 5(a)(i)(A) above, and the timely payment or provision of the Other
Benefits, in each case to the extent theretofore unpaid. In the event the
Executive's employment terminates after the expiration of the Retention Period,
the Company shall provide the Executive (and his spouse, as applicable) with the
Other Benefits.

         (c) DEATH. If the Executive's employment is terminated by reason of the
Executive's death during the Retention Period, this Agreement shall terminate
without further obligations to the Executive's legal representatives under this
Agreement, other than for payment of Accrued Obligations, and the timely payment
or provision of the Other Benefits. In addition, the Restricted Stock and
Options shall vest immediately. Accrued Obligations shall be paid to the
Executive's estate or beneficiary, as applicable, in a lump sum in cash within
30 days of the Date of Termination.

         (d) DISABILITY; RETIREMENT. If the Executive's employment is terminated
by reason of the Executive's Disability or his retirement under the terms of the
applicable the Company or Company retirement plan during the Retention Period,
this Agreement shall terminate without further obligations to the Executive,
other than for payment of Accrued Obligations, the Retirement Benefit, and the
timely payment or provision of Other Benefits. In addition, in the case of
Disability (but not for retirement) the Restricted Stock and Options shall vest
immediately, and the Executive shall continue to accrue age and service credit
through retirement under the Company's qualified and nonqualified retirement
plans and shall be paid a lump sum cash payment equal to three times the
Executive's Annual Base Salary. Accrued Obligations shall be paid to the
Executive in a lump sum in cash within 30 days of the Date of Termination.


                                      -6-


         6. NON-EXCLUSIVITY OF RIGHTS. Except as specifically provided, nothing
in this Agreement shall prevent or limit the Executive's continuing or future
participation in any plan, program, policy or practice provided by the Company,
or any of its affiliates and for which the Executive may qualify, nor, subject
to Section 11(e), shall anything herein limit or otherwise affect such rights as
the Executive may have under any contract or agreement with the Company, or its
affiliates. Amounts which are vested benefits or which the Executive is
otherwise entitled to receive under any plan, policy, practice or program of or
any contract or agreement with the Company or its affiliates at or subsequent to
the Date of Termination shall be payable in accordance with such plan, policy,
practice or program or contract or agreement except as explicitly modified by
this Agreement. As used in this Agreement, the terms "affiliated companies" and
"affiliates" shall include any company controlled by, controlling or under
common control with the Company.

         7. FULL SETTLEMENT. The Company's obligation to make the payments
provided for in this Agreement and otherwise to perform its obligations
hereunder shall not be affected by any set-off, counterclaim, recoupment,
defense or other claim, right or action which the Company may have against the
Executive or others. In no event shall the Executive be obligated to seek other
employment or take any other action by way of mitigation of the amounts payable
to the Executive under any of the provisions of this Agreement and, such amounts
shall not be reduced whether or not the Executive obtains other employment. The
Company agrees to pay, to the full extent permitted by law, all legal fees and
expenses which the Executive may reasonably incur as a result of any contest by
the Company, the Executive or others of the validity or enforceability of, or
liability under, any provision of this Agreement or any guarantee of performance
thereof (including as a result of any contest by the Executive about the amount
of any payment pursuant to this Agreement), plus in each case interest on any
delayed payment at the applicable Federal rate provided for in Section
7872(f)(2)(A) of the Internal Revenue Code of 1986, as amended (the "Code"), if
the Executive prevails on any material claim made by him, and disputed by the
Company or Acquiror under the terms of this Agreement.

         8. CERTAIN ADDITIONAL PAYMENTS BY THE COMPANY.

         If at any time for any reason any payment or distribution (a "Payment")
by the Company or any other person or entity to or for the benefit of the
Executive is determined to be a "parachute payment" (within the meaning of
Section 280G (b) (2) of the Code), whether paid or copayable or distributed or
distributable pursuant to the terms of this Agreement or otherwise in connection
with or arising out of his employment with the Company or a change in ownership
or excise tax imposed by Section 4999 of the Code (the "Excise Tax"), within a
reasonable period of time after such determination is reached the Company shall
pay to the executive an additional payment (the "Gross-Up Payment") in an amount
such that the net amount retained by the Executive, after deduction of any
Excise Tax on such Payment and any federal, state or local income or employment
tax or other taxes and Excise Tax on the Gross-Up Payment, shall equal the
amount of such Payment (including any interest or penalties with respect to any
of the foregoing). All determinations concerning the application of the
foregoing shall be made by a nationally recognized firm of independent
accountants (together with legal counsel of its choosing), selected by the
Company after consultation with the Executive (which may be the Company's
independent auditors), whose determination shall be conclusive and binding on
all parties. The fees and expenses of such accountants and counsel shall be
borne by the Company. If the 


                                      -7-


Accounting Firm determines that no Excise Tax is payable by the Executive, it
shall furnish the Executive with an opinion that the Executive has substantial
authority not to report any Excise Tax on his Federal income tax return. In the
event the Internal Revenue Service assesses the Executive an amount of Excise
Tax in excess of that determined in accordance with the foregoing, the Company
shall pay to the Executive an additional Gross-Up Payment, calculated as
described above in respect of such excess Excise Tax, including a Gross-Up
Payment in respect of any interest or penalties imposed by the Internal Revenue
Service with respect to such excess Excise Tax.

         9. CONFIDENTIALITY AND COMPETITIVE ACTIVITY.

         (a) The Executive acknowledges that he has acquired and will continue
to acquire during the Retention Period confidential information regarding the
business of the Company and its respective affiliates. Accordingly, the
Executive agrees that, without the written consent of the Board, he will not, at
any time, disclose to any unauthorized person or otherwise use any such
confidential information. For this purpose, confidential information means
non-public information concerning the financial data, business strategies,
product development (and proprietary product data), customer lists, marketing
plans, and other proprietary information concerning the Company and its
respective affiliates, except for specific items which have become publicly
available other than as a result of the Executive's breach of this agreement.

         (b) During the Retention Period and for two years after the Date of
Termination (three years in the case of a termination by the Company without
Cause or by the Executive for Good Reason), the Executive will not, without the
written consent of the Board, directly or indirectly, (A) knowingly engage or be
interested in (as owner, partner, stockholder, employee, director, officer,
agent, consultant or otherwise), with or without compensation, any business in
the United States which is in competition with any line of business actively
being conducted on the Date of Termination by the Company; (B) whether or not
the Executive's termination of employment occurred without Cause or for Good
Reason, hire any person who was employed by the Company or any of its
subsidiaries or affiliates (other than persons employed in a clerical or other
non-professional position) within the six-month period preceding the date of
such hiring, or solicit, entice, persuade or induce any person or entity doing
business with the Company or its respective affiliates, to terminate such
relationship or to refrain from extending or renewing the same, and (C)
disparage or publicly criticize Parent, Acquiror, the Company or any of their
affiliates. Nothing herein, however, will prohibit the Executive from acquiring
or holding not more than one percent of any class of publicly traded securities
of any such business; provided that such securities entitle the Executive to not
more than one percent of the total outstanding votes entitled to be cast by
securityholders of such business in matters on which such securityholders are
entitled to vote.

         (c) The Executive hereby acknowledges that the provisions of this
Section 9 are reasonable and necessary for the protection of the Company and its
respective affiliates. In addition, he further acknowledges that the Company and
its respective affiliates will be irrevocably damaged if such covenants are not
specifically enforced. Accordingly, the Executive agrees that, in addition to
any other relief to which the Company may be entitled, the Company will be
entitled to seek and obtain injunctive relief (without the requirement of any
bond) from a court of competent jurisdiction for the purposes of restraining him
from an actual or threatened breach of


                                      -8-


such covenants. In addition, and without limiting the Company's other remedies,
in the event of any breach by the Executive of such covenants, the Company will
have no obligation to pay any of the amounts that continue to remain payable to
the Executive after the date of such breach under Section 5 hereof.

         10. SUCCESSORS. (a) This Agreement is personal to the Executive and
without the prior written consent of the Company shall not be assignable by the
Executive otherwise than by will or the laws of descent and distribution. This
Agreement shall inure to the benefit of and be enforceable by the Executive's
legal representatives. This Agreement shall inure to the benefit of and be
binding upon the Company and Acquiror and its respective successors and assigns.

         (b) Acquiror and the Company will require any successor (whether direct
or indirect, by purchase, merger, consolidation or otherwise) to all or
substantially all of the business and/or assets of Acquiror or the Company to
assume expressly and agree to perform this Agreement in the same manner and to
the same extent that Acquiror and the Company would be required to perform it if
no such succession had taken place. As used in this Agreement, "Acquiror" and
"Company" shall mean the Company as hereinbefore defined and any successor to
their respective business and/or assets as aforesaid which assumes and agrees to
perform this Agreement by operation of law, or otherwise.

         11. MISCELLANEOUS. (a) This Agreement shall be governed by and
construed in accordance with the laws of the State of New York, without
reference to principles of conflict of laws. The parties hereto irrevocably
agree to submit to the jurisdiction and venue of the courts of the State of New
York, in the City of New York, in any action or proceeding brought with respect
to or in connection with this Agreement. The captions of this Agreement are not
part of the provisions hereof and shall have no force or effect. This Agreement
may not be amended or modified otherwise than by a written agreement executed by
the parties hereto or their respective successors and legal representatives.(b)
All notices and other communications hereunder shall be in writing and shall be
given by hand delivery to the other party or by registered or certified mail,
return receipt requested, postage prepaid, addressed as follows:

         IF TO THE EXECUTIVE:


         At the most recent address on file for the Executive at the Company;



         IF TO ACQUIROR:

         1 Tyco Park
         Exeter, New Hampshire  03833

         Attention:  General Counsel


         IF TO THE COMPANY:


                                      -9-



         650 CIT Drive
         Livingston, New Jersey  07039


         Attention:


or to such other address as either party shall have furnished to the other in
writing in accordance herewith. Notice and communications shall be effective
when actually received by the addressee.

         (b) The invalidity or unenforceability of any provision of this
Agreement shall not affect the validity or enforceability of any other provision
of this Agreement.

         (c) The Company may withhold from any amounts payable under this
Agreement such Federal, state, or local taxes as shall be required to be
withheld pursuant to any applicable law or regulation.

         (d) The Executive's or the Company's failure to insist upon strict
compliance with any provision of this Agreement or the failure to assert any
right the Executive or the Company may have hereunder, including, without
limitation, the right of the Executive to terminate employment for Good Reason
pursuant to Section 4 of this Agreement, shall not be deemed to be a waiver of
such provision or right or any other provision or right of this Agreement.

         (e) From and after the Effective Date this Agreement shall supersede
any other employment, severance or change of control agreement between the
parties (including, for this purpose, between the Executive and the Company)
with respect to the subject matter hereof, including, without limitation, the
Prior Agreement, except as expressly provided herein. The Executive acknowledges
and agrees that the benefits provided to him pursuant to this Agreement are made
to the Executive in lieu of and in substitution for his receipt of any such
"change of control" bonus or other "special" cash payment pursuant to the Prior
Agreement.


                                      -10-


         IN WITNESS WHEREOF, the Executive has hereunto set the Executive's hand
and, pursuant to the authorization from their respective Boards of Directors,
Acquiror and the Company have caused these presents to be executed in their name
and on their behalf, all as of the day and year first above written.




                                              /s/ Albert R. Gamper, Jr.
                                             -----------------------------------
                                                   ALBERT R. GAMPER, JR.



                                             TYCO ACQUISITION CORP. XIX (NV)



                                             By /s/ Jeffrey D. Mattfolk
                                                --------------------------------
                                                Jeffrey D. Mattfolk
                                                Vice President




                                             THE CIT GROUP, INC.





                                             By /s/ William M. O'Grady
                                                --------------------------------
                                                William M. O'Grady
                                                Executive Vice President
                                                and Chief Administrative Officer



AGREED AND ACKNOWLEDGED AS A
GUARANTOR OF PERFORMANCE:

TYCO INTERNATIONAL LTD.



By /s/ Mark H. Swartz
   ------------------------------
   Mark H. Swartz
   Executive Vice President
   and Chief Financial Officer



                                      -11-