NEW YORK (Standard&Poor's CreditWire) Feb. 21, 2001--Standard&Poor's today lowered its rating on two Commerzbank AG-supported commercial paper programs to 'A-1' from 'A-1'-plus (see list). This rating action is based on the programs' joint and several obligations with a syndicate of banks, Standard&Poor's said.-- CreditWire RATINGS LOWERED ON COMMERZBANK AG-SUPPORTED CP PROGRAMS Cooperative Association of Tractor Dealers Inc. To From Series A $682 million commercial paper program A-1 A-1+ Series B $418 million commercial paper program A-1 A-1+