Document:

<PAGE>

                                                                Exhibit No. 10.3

                              LENOX BANCORP, INC.

                       2001 DIRECTORS' STOCK OPTION PLAN

     The purpose of the 2001 Directors' Stock Option Plan is to compensate
directors in lieu of payment of director fees.  Lenox believes that this Plan
will give an incentive to these members of the Board to increase revenues and
profits.

     1.   Effective Date of the Plan.  This Plan shall become effective at such
          --------------------------
time as it is adopted by the Compensation Committee of the Board of Directors of
Lenox.

     2.   Shares Subject to the Plan.  The shares to be issued upon the exercise
          --------------------------
of the options granted under the Plan shall be shares of Common Stock, no par
value, of Lenox.  Either treasury or authorized and unissued shares of Common
Stock, or both, as the Board of Directors shall from time to time determine, may
be so issued.

     Subject to the provisions of Section 4, the aggregate number of shares of
Common Stock for which options may be granted under the Plan shall be 100,000.

     3.   Administration.  The Plan shall be administered by the Compensation
          --------------
Committee of the Board of Directors.

     4.   Adjustments to Common Stock and Option Price.

          4.1  In the event of changes in the outstanding Common Stock of Lenox
     as a result of stock dividends, split-ups, recapitalizations, combinations
     or exchanges, the number and class of shares of Common Stock authorized to
     be the subject of options under the Plan and the number and class of shares
     of Common Stock and Option Price for each option which is outstanding under
     this Plan shall be correspondingly adjusted by the Committee.

          4.2  The Committee shall make appropriate adjustments in the Option
     Price to reflect any spin-off of assets, extraordinary dividends or other
     distributions to shareholders.

          4.3  In the event of the dissolution or liquidation of Lenox or any
     merger, consolidation or combination in which Lenox is not the surviving
     corporation or in which the outstanding shares of Common Stock of Lenox are
     converted into cash, other securities or other property, each outstanding
     option issued hereunder shall terminate as of a date fixed by the Committee
     provided that not less than 20 days' written notice of the date of
     expiration shall be given to each holder of an option.  Each such holder
     shall have the right during such period following notice to exercise the
     option as to all or any part of the option for which it is exercisable at
     the time of such notice.
<PAGE>

     5.   Eligible Directors; Grant of Options.  An Eligible Director shall be
          ------------------------------------
each director of Lenox or its subsidiary, Lenox Savings Bank, now serving as a
director or elected hereafter, who is also a member of a Committee of the Board
of Directors of Lenox or Lenox Savings Bank and who is not also an employee of
Lenox or any of its subsidiaries.

     Each Eligible Director as of the Effective Date of the Plan shall be
granted an option for the purchase of 5,000 shares of Common Stock and at the
time of each Annual Meeting of Shareholders, another option for 2,000 shares.
An Eligible Director who serves as a director of both Lenox and Lenox Savings
Bank shall receive an Option for an additional 1,000 shares at the time of each
Annual Meeting of Shareholders.  All grants shall be made on the date of the
event giving rise to the option.  Such grants shall continue until the number of
shares provided for in this Plan in Section 2 are exhausted.

     6.   Price.  The purchase price of the shares of Common Stock which may be
          -----
acquired pursuant to the exercise of any option granted pursuant to the Plan
shall be the last closing sale price reported on the last trading date prior to
the date of grant.

     7.   Period of Option.  The term of each option shall be ten years from the
          ----------------
date of grant.

     8.   Exercise of Options.  An option may be exercised by an Eligible
          -------------------
Director at any time as to all or part of the shares covered thereby by giving
written notice to Lenox at its principal office, directed to the attention of
its Secretary, accompanied by payment of the Option Price in full for shares
being purchased.  The payment of the Option Price shall be in cash.
Additionally, an option may be exercised by delivering written notice of
exercise to Lenox to the attention of its Secretary accompanied by irrevocable
instructions to deliver shares to a broker-dealer with a copy of irrevocable
instructions to the broker-dealer to deliver the exercise Option Price to Lenox.

     Unless there is in effect at the time of exercise a registration statement
under the Securities Act of 1933 permitting the resale to the public of shares
acquired under the Plan, the holder of the option shall, except to the extent
determined by the Committee that such is not required, (i) represent and warrant
in writing to Lenox that the shares acquired are being acquired for investment
and not with a view to the distribution thereof, (ii) acknowledge that the
shares acquired may not be sold unless registered for sale under said Act or
pursuant to an exemption from such registration, and (iii) agree that the
certificates evidencing such shares shall bear a legend to the effect of clauses
(i) and (ii).

     9.   Nontransferability of Options.  No option granted under the Plan shall
          -----------------------------
be transferable otherwise than by will or by the laws of descent and
distribution, and an option may be exercised during the lifetime of the holder
only by the holder.

     10.  Death or Disability of an Optionee.  If an optionee dies or becomes
          ----------------------------------
disabled all options granted to such person may be exercised by the legal
representative of the estate of the deceased option holder or by the person or
persons to whom such Eligible Director's rights under the option passes by will
or the laws of descent and distribution.  "Disabled" shall have the meaning
ascribed to it in Section 105(d)(4) of the Internal Revenue Code of 1986, as
amended.

                                       2
<PAGE>

     11.  Rights as a Shareholder.  The holder of an option shall not have any
          -----------------------
of the rights of a shareholder of Lenox with respect to the shares subject to an
option until a certificate for such shares shall have been issued upon the
exercise of the option.

     12.  Amendment and Termination.  The Plan shall terminate five years after
          -------------------------
its effective date and thereafter no options shall be granted.  All options
outstanding at the time of termination of the Plan shall continue in full force
and effect in accordance with and subject to the terms and conditions of the
Plan.  The Board of Directors of Lenox at any time prior to that date may
terminate the Plan or make such amendments to it as the Board of Directors shall
deem advisable.  No termination or amendment of the Plan may, without the
consent of the holder of an option then existing, terminate his option or
materially and adversely affect his rights under the option.

13.  Automatic Termination of Option.  Notwithstanding anything contained herein
     -------------------------------
to the contrary, if at any time a holder of an option granted under this Plan
becomes an employee, officer or director of or a consultant to an entity which
the Compensation Committee determines is a competitor of Lenox, such option
shall automatically terminate as of the date such conflicting relationship was
established.

                                       3<PAGE>

                                                                   EXHIBIT 10.29

                               FOURTH AMENDMENT TO
                         POST-PETITION CREDIT AGREEMENT

     THIS FOURTH AMENDMENT TO POST-PETITION CREDIT AGREEMENT (this "Amendment"),
                                                                    ---------
dated to be effective as of November 14, 2001, is entered into among PILLOWTEX
CORPORATION, PILLOWTEX, INC., PTEX HOLDING COMPANY, PILLOWTEX MANAGEMENT
SERVICES COMPANY, BEACON MANUFACTURING COMPANY, MANETTA HOME FASHIONS, INC.,
TENNESSEE WOOLEN MILLS, INC., FIELDCREST CANNON, INC., CRESTFIELD COTTON
COMPANY, ENCEE, INC., FCC CANADA, INC., FIELDCREST CANNON FINANCING, INC.,
FIELDCREST CANNON LICENSING, INC., FIELDCREST CANNON INTERNATIONAL, INC.,
FIELDCREST CANNON SF, INC. (formerly known as Fieldcrest Cannon Sure Fit, Inc.),
FIELDCREST CANNON TRANSPORTATION, INC., ST. MARYS, INC., AMOSKEAG MANAGEMENT
CORPORATION, DOWNEAST SECURITIES CORPORATION, BANGOR INVESTMENT COMPANY, MOORE'S
FALLS CORPORATION, THE LESHNER CORPORATION, LESHNER OF CALIFORNIA, INC., and
OPELIKA INDUSTRIES, INC. (collectively, the "Borrowers"), the institutions
                                             ---------
listed on the signature pages hereof that are parties to the Credit Agreement
defined below (collectively, the "Lenders"), and BANK OF AMERICA, N.A., as
                                  -------
Administrative Agent for itself and the Lenders (in said capacity, the
"Administrative Agent").
 --------------------

                                   BACKGROUND
                                   ----------

     A. The Borrowers, the Lenders and the Administrative Agent are parties to
that certain Post-Petition Credit Agreement, dated as of November 14, 2000 (as
amended through the date hereof, the "Credit Agreement"). Terms defined in the
                                      ----------------
Credit Agreement and not otherwise defined herein shall be used herein as
defined in the Credit Agreement.

     B. The Borrowers, the Lenders and the Administrative Agent desire to make
certain amendments to the Credit Agreement.

     NOW, THEREFORE, in consideration of the covenants, conditions and
agreements hereinafter set forth, and for other good and valuable consideration,
the receipt and adequacy of which are all hereby acknowledged, the Borrowers,
the Lenders and the Administrative Agent covenant and agree as follows:

     1. AMENDMENTS TO CREDIT AGREEMENT. The Credit Agreement is hereby amended
        ------------------------------
as follows:

        (a)  Section 1.1 is amended by entirely amending the definitions of
             -----------
     "Applicable Margin", "EBITDA", "Scheduled Termination Date" and "Total
     Credit Commitment" and adding a new definition of "Operational
     Restructuring Costs" as follows:

<PAGE>

               "Applicable Margin": a per annum percentage equal to (a) 4.00%
                -----------------
          with respect to Eurodollar Loans and (b) 1.50% for Base Rate Loans.

               "EBITDA": for any period, determined in accordance with GAAP on a
                ------
          consolidated basis for the Borrowers and their Subsidiaries the sum of
          (a) Earnings From Operations plus (b) depreciation and amortization to
          the extent included in determining Earnings From Operations, plus (c)
          professional fees incurred outside the ordinary course of business
          including legal counsel, financial advisors, human resource
          consultants, manufacturing consultants, and cash management
          consultants to the extent included in determining Earnings From
          Operations, plus (d) non-cash charges associated with the permanent
          closure of a facility or facilities to the extent included in
          determining Earnings From Operations, plus, (e) cash charges
          associated with the permanent closure of a facility or facilities to
          the extent included in determining Earnings From Operations, plus (f)
          non-cash charges associated with the write-down or adjustment of net
          asset values including goodwill to the extent included in determining
          Earnings From Operations, plus (g) other non-cash charges (excluding
          any such non-cash charge to the extent it represents an accrual of or
          reserve for cash charges in any future period or amortization of a
          prepaid cash expense that was paid in a prior period except as noted
          in (d) and (e), above) to the extent included in determining Earnings
          From Operations, plus (h) payments or accruals related to a Bankruptcy
          Court approved key employee retention program, plus (i) payments or
          accruals for Operational Restructuring Costs, to the extent not
          captured in (d), (e), or (f) above.

               "Operational Restructuring Costs" for any period, on a
                -------------------------------
          consolidated basis for the Borrowers and their Subsidiaries the costs
          related to the permanent closure of a facility or facilities and the
          relocation of the production to an alternative facility or facilities
          to the extent included in determining Earnings from Operations
          consisting of the sum of (a) payment or accruals for severance and
          benefit continuation, plus (b) payment or accruals for employee
          retention bonuses, plus (c) expenses incurred to relocate equipment
          from a closed facility or facilities to an alternative manufacturing
          location or locations, plus (d) payments or accruals to resolve any
          environmental issues related to a closed facility or facilities, plus
          (e) employee training costs for the relocated equipment, plus (f)
          increased quality costs due to the start-up of production at the new
          facility or facilities and the phase-down of production at the closed
          facility or facilities, plus (g) increased labor and workers
          compensation costs during the phase-down of production at the closed
          facility or facilities, plus (h) payments or accruals for a general
          reduction in force.

               "Scheduled Termination Date": June 30, 2002.
                --------------------------

               "Total Credit Commitment": $100,000,000 (which amount includes
                -----------------------
          the Letter of Credit Commitment), as such sum may be reduced from time
          to time.

                                       -2-

<PAGE>

                  (b)      Section 2.5(b) is entirely amended, as follows:
                           --------------

                           (b) Unused Capacity Fee. For the period of time
                               -------------------
                  commencing on the Effective Date until, but not including, the
                  Termination Date, the Borrowers agree to pay in the aggregate
                  to the Administrative Agent for the pro rata account of each
                                                      --- ----
                  Lender in accordance with its Commitment Percentage a
                  non-refundable unused commitment fee. Such unused commitment
                  fee will be payable in arrears by the Borrowers, on each
                  Monthly Payment Date and on the Termination Date. Each payment
                  of such unused commitment fee shall be determined for the
                  calendar month (or portion of a calendar month commencing on
                  the date hereof or ending on the Termination Date) preceding
                  and including the date such payment is due and shall be equal
                  to the product of (i) 0.75%, per annum, multiplied by (ii) the
                  amount by which the average daily Total Credit Commitment
                  exceeds the sum of (A) the average daily principal amount
                  outstanding under DIP Loans plus (B) the average daily Letter
                  of Credit Liability.

                  (c)      Section 2.5(c) is amended by entirely amending and
                           --------------
           restating clause (i) thereof, as follows:
                     ----------

                           (i) to the Administrative Agent for the pro rata
                                                                   --- ----
                  account of each Lender (including the Issuing Bank) in
                  accordance with its Commitment Percentage, a non-refundable
                  letter of credit fee at the rate of 4.0% per annum on the
                  aggregate undrawn and available amount under all outstanding
                  Letters of Credit; and

                  (d)      Section 8.15 is entirely amended, as follows:
                           ------------

                           Section 8.15 Capital Expenditures. Make Capital
                                        --------------------
                  Expenditures in excess of (a) $17,000,000 in the aggregate
                  from November 14, 2001 through the Scheduled Termination Date,
                  and (b) $9,000,000 in the aggregate during any fiscal quarter.

                  (e)      Section 8.16 is entirely amended, as follows:
                           ------------

                           Section 8.16  Asset Coverage Ratio. Permit, at any
                                         --------------------
                  time, determined in accordance with GAAP on a consolidated
                  basis for the Borrowers and their Subsidiaries, the ratio of
                  (a) the sum of (i) the net book value of accounts receivable,
                  plus (ii) the net book value of inventory, plus (iii) the book
                  value of owned land, real property, equipment, leasehold
                  improvements and other fixed assets, net of depreciation, plus
                  (iv) cash on hand, plus (v) asset write-downs during the
                  fourth fiscal quarter of 2001 attributable to the permanent
                  closure of certain facilities, which do not exceed $14,000,000
                  in the aggregate, to (b) the outstanding principal amount of
                  all Pre-Petition Indebtedness and the Obligations, to be less
                  than the ratios set forth below during the periods set forth
                  below, measured twice monthly pursuant to the reporting
                  requirements set forth in Section 7.1:

                                       -3-

<PAGE>

<TABLE>
<CAPTION>
                                  Period                                          Minimum Ratio
                                  ------                                          -------------
                  <S>                                                             <C>
                  September 30, 2001 through October 31, 2001                     1.21 to 1.00
                  November 1, 2001 through December 31, 2001                      1.20 to 1.00
                  January 1, 2002 through March 31, 2002                          1.17 to 1.00
                  April 1, 2002 through June 30, 2002                             1.15 to 1.00
</TABLE>

                  (f)   Section 8.17 is entirely amended, as follows:
                        ------------

                        8.17   EBITDA. Allow EBITDA for the periods set forth
                               ------
                  below to be less than the amount set forth opposite each such
                  period:

                                 Period                             Amount
                                 ------                             ------
                        1 fiscal month ended 11/3/01                $ 1,065,000
                        2 fiscal months ended 12/1/01               $ 1,256,000
                        3 fiscal months ended 12/29/01              $ 3,286,000
                        4 fiscal months ended 2/2/02                $ 4,164,000
                        5 fiscal months ended 3/2/02                $ 6,636,000
                        6 fiscal months ended 3/30/02               $10,566,000
                        7 fiscal months ended 5/4/02                $12,244,000
                        8 fiscal months ended 6/1/02                $14,299,000
                        9 fiscal months ended 6/29/02               $19,831,000

                  (g)   A new Section 8.18 is added immediately following
                              ------------
                  Section 8.17, as follows:
                  ------------

                        Section 8.18 Restructuring Costs. Permit Operational
                                     -------------------
                  Restructuring Costs incurred and/or paid for the periods set
                  forth below to be greater than the amount set forth opposite
                  each such period:

                                 Period                              Amount
                                 ------                              ------
                        3 fiscal months ended 12/29/01               $7,000,000
                        6 fiscal months ended 3/30/02                $8,000,000
                        9 fiscal months ended 6/29/02                $9,000,000

                  (h)   Section 10.3 is amended by inserting the text,
                        ------------
         "financial advisors," immediately following the text, "agents," found
         in such Section 10.3.
                 ------------

                  (i)   Section 11.1 is amended by deleting the word, "and",
                        ------------
         immediately following the semi-colon in clause (b) thereof, deleting
                                                 ----------
         the period (".") at the end of clause (c) thereof and replacing it with
                                        ----------
         the text, "; and", and adding a new clause (d) to such Section 11.1
                                             ----------         ------------
         immediately following clause (c) thereof, as follows:
                               ----------

                                       -4-

<PAGE>

                        (d) no such waiver and no such amendment, supplement or
                  modification shall amend, modify or waive any provision of
                  Section 8.16 without the written consent of Lenders on the
                  date of such waiver, amendment, supplement or modification
                  having Credit Exposures aggregating in excess of 66 2/3% of
                  the aggregate Credit Exposures of all Lenders on such date.

        2.        AMENDMENT FEE. Borrowers shall pay to the Administrative
                  -------------
Agent, for the pro rata benefit of the Lenders that execute and deliver this
Amendment to the Administrative Agent (or its counsel) not later than 5:00 p.m.,
Dallas time, November 14, 2001, an amendment fee in an amount equal to the
product of (a) 0.50% multiplied by (b) an amount equal to such Lender's portion
of the Total Credit Commitment. Such amendment fee shall be paid in immediately
available funds and shall be payable only if the conditions set forth in Section
                                                                         -------
6 of this Amendment have been satisfied and shall be due and payable to each
-
Lender eligible for payment pursuant to the preceding sentence no later than two
Business Days after the conditions set forth in Section 6 of this Amendment have
                                                ---------
been satisfied. The Borrowers agree that the failure to pay the amendment fee
provided in this Section 2 shall, after the expiration of any applicable grace
                 ---------
period, be an Event of Default under Section 9.1(a)(ii) of the Credit Agreement.
                                     -----------------

        3.        ADDITIONAL EVENTS OF DEFAULT. Notwithstanding anything in the
                  ----------------------------
DIP Financing Documents to the contrary, it will constitute an immediate Event
of Default (with no grace or cure period) if the Parent Corporation shall fail
to (a) file, on or prior to December 31, 2001, a feasible plan of reorganization
and disclosure statement, substantially complete in form and substance, that
complies with all applicable provisions of Chapter 11 of the Bankruptcy Code,
including Section 1129(a)(9), and provides for the cash payment, in full, of all
outstanding DIP Loans, the replacement or liquidation of all Letters of Credit,
and the cash payment of all administrative expenses, (b) obtain, on or prior to
March 1, 2002, the Bankruptcy Court's approval of a disclosure statement, (c)
obtain confirmation from the Bankruptcy Court of a plan on or prior to May 15,
2002, or (d) cause a plan to become effective on or prior to June 30, 2002
(each, a "Plan Default").
          ------------

        4.        WAIVER FEE REGARDING PLAN DEFAULTS. Notwithstanding anything
                  ----------------------------------
in the DIP Financing Documents to the contrary, waiver of any Plan Default will
require approval of the Required Lenders and the Borrowers' payment of a fee,
for the pro rata benefit of the Lenders that timely execute and deliver the
waivers to the Administrative Agent (or its counsel), equal to 0.50% of an
amount equal to each such Lender's portion of the Total Credit Commitment at the
time of such waiver.

        5.        REPRESENTATIONS AND WARRANTIES.  By its execution and delivery
                  ------------------------------
hereof, the Borrowers represent and warrant to the Lenders that, as of the date
hereof:

                  (a) the representations and warranties contained in the Credit
        Agreement and the other DIP Financing Documents are true and correct on
        and as of the date hereof as if made on and as of such date;

                                       -5-

<PAGE>
             (b)   no event has occured and is continuing which constitutes an
    Event of Default;

             (c)   the Borrowers have legal power and authority to execute and
    deliver this Amendment, and this Amendment constitutes the legal, valid and
    binding obligation of the Borrowers, enforceable in accordance with its
    terms, except as enforceability may be limited by applicable bankruptcy or
    other debtor relief laws and by general principles of equity (regardless of
    whether enforcement is sought in a proceeding in equity or at law) and
    except as rights to indemnity may be limited by federal or state securities
    laws;

             (d)    neither the execution, delivery and performance of this
    Amendment nor the consummation of any transactions contemplated herein will
    conflict with any Requirement of Law or Contractual Obligation; and

             (e)   no authorization, approval, consent, or other action by,
    notice to, or filing with, any Governmental Authority or other Person
    (including the Board of Directors of any Borrower), is required for the
    execution, delivery or performance by the Borrowers of this Amendment.

    6.       CONDITIONS OF EFFECTIVENESS. This Amendment shall be effective only
             ---------------------------
after each of the following conditions precedent shall have been satisfied;
provided that the Lenders hereby waive satisfaction of the conditions set forth
-------- ----
in clauses (b) and (c) below until such time as the Bankruptcy Court shall have
   ----------      ---
the opportunity to consider this Amendment, and if the Bankruptcy Court does not
approve this Amendment after such consideration, then this Amendment shall be
null and void and of no further force or effect, and provided further that the
                                                     -------- ------- ----
Lenders shall have no commitment to fund DIP Loans, and Issuing Bank shall not
issue Letters of Credit, during the period commencing on the date hereof and
continuing through and including the date the Bankruptcy Court considers this
Amendment:

    (a)      the Administrative Agent shall receive counterparts of this
Amendment executed by the Lenders and the Borrowers;

    (b)      Borrowers shall pay the Amendment Fee;

    (c)      the Bankruptcy Court shall enter an order approving this Amendment,
which order must also contain a clarification that proceeds from the liquidation
of accounts receivable and inventory of Borrowers' blankets division shall be
applied to payment of the Pre-Petition Indebtedness;

    (d)      the representations and warranties set forth in Section 5 of this
                                                             ---------
Amendment shall be true and correct; and

                                     -6-

<PAGE>

    (e)      the Administrative Agent shall receive, in form and substance
satisfactory to the Administrative Agent and its counsel, such other documents,
certificates and instruments as the Administrative Agent shall reasonably
require.

    7.       REFERENCE TO CREDIT AGREEMENT. Upon the effectiveness of this
             -----------------------------
Amendment, each reference in the Credit Agreement to "this Agreement,"
"hereunder," or words of like import shall mean and be a reference to the Credit
Agreement, as affected and amended by this Amendment.

    8.       COUNTERPARTS; EXECUTION VIA FACSIMILE. This Amendment may be
             -------------------------------------
executed in one or more counterparts, each of which shall be deemed an original,
but all of which together shall constitute one and the same instrument. This
Amendment may be validly executed and delivered by facsimile or other electronic
transmission.

    9.       GOVERNING LAW: BINDING EFFECT. This Amendment shall be governed by
             -----------------------------
and construed in accordance with the laws of the State of Texas and shall be
binding upon the Borrowers, the Administrative Agent, each Lender and their
respective successors and assigns.

    10.      HEADINGS. Section headings in this Amendment are included herein
             --------
for convenience of reference only and shall not constitute a part of this
Amendment for any other purpose.

    11.      DIP FINANCING DOCUMENT. This Amendment is a DIP Financing Document
             ----------------------
and is subject to all provisions of the Credit Agreement applicable to DIP
Financing Documents, all of which are incorporated in this Amendment by
reference the same as if set forth in this Amendment verbatim.

    12.      NO ORAL AGREEMENTS. THIS WRITTEN AGREEMENT AND THE OTHER DIP
             ------------------
FINANCING DOCUMENTS REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES AND MAY
NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL
AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE
PARTIES.

================================================================================
                   REMAINDER OF PAGE LEFT INTENTIONALLY BLANK
================================================================================

                                     -7-

<PAGE>

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

BORROWERS:

PILLOWTEX CORPORATION
PILLOWTEX, INC.
PTEX HOLDING COMPANY
PILLOWTEX MANAGEMENT SERVICES COMPANY
BEACON MANUFACTURING COMPANY
MANETTA HOME FASHIONS, INC.
TENNESSEE WOOLEN MILLS, INC.
FIELDCREST CANNON, INC.
CRESTFIELD COTTON COMPANY
ENCEE, INC.
FCC CANADA, INC.
FIELDCREST CANNON FINANCING, INC.
FIELDCREST CANNON LICENSING, INC.
FIELDCREST CANNON INTERNATIONAL, INC.
FIELDCREST CANNON SF, INC. (formerly known as Fieldcrest Cannon Sure Fit, Inc.)
FIELDCREST CANNON TRANSPORTATION, INC.
ST. MARYS, INC.
AMOSKEAG MANAGEMENT CORPORATION
DOWNEAST SECURITIES CORPORATION
BANGOR INVESTMENT COMPANY
MOORE'S FALLS CORPORATION
THE LESHNER CORPORATION
LESHNER OF CALIFORNIA, INC.
OPELIKA INDUSTRIES, INC.

By:      _________________________
         Name:____________________
         Title:___________________

               Fourth Amendment to Post Petition Credit Agreement
                                 Signature Page

<PAGE>

ADMINISTRATIVE AGENT:

BANK OF AMERICA, N.A., as Administrative Agent, Issuing Bank and a Lender

By:      ________________________________
         William E. Livingstone, IV
         Managing Director

               Fourth Amendment to Post Petition Credit Agreement
                                 Signature Page

<PAGE>

LENDERS:

THE BANK OF NOVA SCOTIA                       GOLDMAN SACHS CREDIT PARTNERS L.P.

By: ___________________________________       By: ______________________________
Name:__________________________________       Name:_____________________________
Title:_________________________________       Title:____________________________

CREDIT LYONNAIS - NEW YORK BRANCH             LEHMAN COMMERCIAL PAPER, INC.

By: ___________________________________       By: ______________________________
Name:__________________________________       Name:_____________________________
Title:_________________________________       Title:____________________________

                                              PB CAPITAL CORPORATION
FLEET NATIONAL BANK, (formerly known as
Fleet Bank, N.A.)
                                              By: ______________________________
By: ___________________________________       Name:_____________________________
Name:__________________________________       Title:____________________________
Title:_________________________________

FRANKLIN FLOATING RATE TRUST                  By: ______________________________
                                              Name:_____________________________
By: ___________________________________       Title:____________________________
Name:__________________________________
Title:_________________________________

GENERAL ELECTRIC CAPITAL CORPORATION

                                      By:
               Fourth Amendment to Post Petition Credit Agreement
                                 Signature Page

<PAGE>

Name:__________________________________________
Title:_________________________________________

OCM ADMINISTRATIVE SERVICES II, L.L.C.

By Oaktree Capital Management, LLC, Its Manager

By: ___________________________________________
Name:__________________________________________
Title:_________________________________________

By: ___________________________________________
Name:__________________________________________
Title:_________________________________________

FOOTHILL INCOME TRUST II, L.P.

By: ___________________________________________
Name:__________________________________________
Title:_________________________________________

               Fourth Amendment to Post Petition Credit Agreement
                                 Signature Page

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