Document:

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                                                               Exhibit 10(iii)10

                              THE IT GROUP, INC.
                      NON-QUALIFIED STOCK OPTION AGREEMENT
                                Pursuant to the
                           2000 STOCK INCENTIVE PLAN

     This Non-Qualified Stock Option Agreement ("Agreement") consists of the
terms and conditions set forth in this document and in the Notice of Option
Grant (the "Grant Notice") provided by The IT Group, Inc., a Delaware
corporation (the "Company"), to the person named as Optionee on the Grant
Notice. This Agreement is made and entered into as of the Date of Grant
indicated on the Grant Notice.

     WHEREAS, Optionee is an employee or director of the Company or any of its
subsidiaries or affiliates; and

     WHEREAS, pursuant to the Company's 2000 Stock Incentive Plan (the "2000
Plan"), the committee of the Board of Directors of the Company administering the
2000 Plan (the "Committee") has approved the grant to Optionee of a non-
qualified option to purchase shares of the Common Stock, par value $.01 per
share, of the Company (the "Common Stock"), on the terms and conditions set
forth herein.

     NOW, THEREFORE, in consideration of the foregoing recitals and the
covenants set forth herein, the receipt and sufficiency of which consideration
is hereby acknowledged, the parties hereto hereby agree as follows:

     1.  Grant of Option; Certain Terms and Conditions.  The Company hereby
         ---------------------------------------------
grants to Optionee, and Optionee hereby accepts, as of the Date of Grant
indicated on the Grant Notice, an option or options (the "Option") to purchase
the number of shares of Common Stock indicated on the Grant Notice (the "Option
Shares") at the Exercise Price per share indicated on the Grant Notice, which
Exercise Price shall not be less than the market value of the Option Shares on
the Date of Grant. The Option shall expire at 5:00 p.m., Pittsburgh time, on the
Expiration Date indicated on the Grant Notice and shall be subject to all of the
terms and conditions set forth in this Agreement. The Option is not intended to
qualify as an incentive stock option under Section 422 of the Internal Revenue
Code. On each anniversary of the Date of Grant, the Option shall become
exercisable to purchase ("vest with respect to") that number of Option Shares
(rounded to the nearest whole share) equal to the total number of Option Shares
multiplied by the Annual Vesting Rate indicated on the Grant Notice. By
executing the Grant Notice, Optionee agrees to be bound by the terms of this
Agreement.

     2.   Acceleration and Termination of Option.
          --------------------------------------

          (a)  Termination of Employment.

               (i)  Retirement. In the event that Optionee shall cease to be an
                    ----------
                    employee of the Company or any of its subsidiaries or
                    affiliates (such event shall be referred to herein as the
                    "Termination" of such employee's "Employment") by reason of
                    retirement, which retirement, if Optionee is an employee of
                    the Company or any of its subsidiaries, is in accordance
                    with the Company's then-current retirement practices, then
                    the Option shall fully vest with respect to all Option
                    Shares upon the date of such

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                    Termination of Employment and shall terminate on the second
                    anniversary of the date of such Termination of Employment.

               (ii) Death or Permanent Disability. If Optionee's Employment is
                    -----------------------------
                    Terminated by reason of the death or Permanent Disability
                    (as herein defined) of Optionee, then the Option shall fully
                    vest with respect to all Option Shares upon the date of such
                    Termination of Employment, shall be exercisable by Optionee
                    or, in the event of death, the person or persons to whom
                    Optionee's rights under the Option shall have passed by will
                    or by the applicable laws of descent or distribution, and
                    shall terminate on the first anniversary of the date of such
                    Termination of Employment. "Permanent Disability" shall mean
                    the inability to engage in any substantial gainful activity
                    by reason of any medically determinable physical or mental
                    impairment which can be expected to result in death or which
                    has lasted or can be expected to last for a continuous
                    period of not less than twelve (12) months. The Optionee
                    shall not be deemed to have a Permanent Disability until
                    proof of the existence thereof shall have been furnished to
                    the Committee in such form and manner, and at such times, as
                    the Committee may require. Any determination by the
                    Committee that Optionee does or does not have a Permanent
                    Disability shall be final and binding upon the Company and
                    Optionee.

             (iii)  Termination for Cause. If Optionee's Employment is
                    ---------------------
                    Terminated for cause, then (A) the portion of the Option
                    that has not vested on or prior to the date of such
                    Termination of Employment shall terminate on such date and
                    (B) the remaining vested portion of the Option shall
                    terminate one (1) month from the date of such Termination of
                    Employment.

               (iv) Other Termination. If Optionee's Employment is Terminated
                    -----------------
                    for any reason other than those enumerated in (i) through
                    (iii) of this Section 2(a), then (A) the portion of the
                    Option that has not vested on or prior to the date of such
                    Termination of Employment shall terminate on such date and
                    (B) the remaining vested portion of the Option shall
                    terminate ninety (90) days after the date of such
                    Termination of Employment.

          (b) Termination of Director Status.
              ------------------------------

               (i)  Retirement, Permanent Disability or Death. In the event the
                    -----------------------------------------
                    Optionee shall cease to be a director of the Company or any
                    of its subsidiaries or affiliates (such event shall be
                    referred to herein as the "Termination" of such director's
                    "Status") by reason of retirement as a director, death or
                    Permanent Disability, the provisions applicable to employees
                    of the Company or any of its subsidiaries or affiliates set
                    forth in Sections 2(a)(i) and 2(a)(ii) shall be applicable,
                    as appropriate. As used in this Section 2(b)(i), if Optionee
                    is a director of the Company or any of its subsidiaries,
                    retirement of a director shall mean such director has
                    completed his or her term(s) as a director of the Company or
                    any of its subsidiaries in accordance with the charter and
                    bylaws of the Company or any such subsidiary.

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             (ii)   Other Termination. In the event the Optionee shall cease to
                    -----------------
                    be a director of the Company or any of its subsidiaries or
                    affiliates for any other reason, the provisions applicable
                    to employees of the Company or any of its subsidiaries or
                    affiliates set forth in Section 2(a)(iv) shall be
                    applicable, as appropriate.

             (iii)  Service as Employee and Director. In the event the
                    --------------------------------
                    Optionee shall ever cease to serve as a director other than
                    on account of retirement or  Permanent Disability as
                    specified in Section 2(b)(i) hereof, but shall continue to
                    serve or shall immediately thereafter serve as an employee,
                    then the provisions in Section 2(b)(ii) shall not be
                    applicable, and instead the provisions of Section 2(a) shall
                    apply. In the event the Optionee shall ever cease to serve
                    as an employee other than on account of retirement, but
                    shall continue to serve or shall immediately thereafter
                    serve as a director, then the provisions in Section 2(a)(iv)
                    shall not be applicable, and instead the provisions of
                    Section 2(b)(i) and (ii) shall apply.

          (c)  Death Following Termination of Employment. Notwithstanding
               -----------------------------------------
               anything to the contrary in this Agreement, if Optionee shall die
               at any time after the Termination of his or her Employment and
               Status and prior to the Expiration Date, then the remaining
               vested but unexercised portion of the Option shall terminate on
               the earlier of the Expiration Date or the first anniversary of
               the date of such death.

          (d)  Acceleration of Option Upon a Change of Control. The Committee,
               -----------------------------------------------
               in its sole discretion, may accelerate the exercisability of the
               Option at any time and for any reason. In addition, the Option
               shall fully vest with respect to all Option Shares immediately
               prior to a Change of Control (as hereinafter defined), provided
               that no such vesting shall occur (A) in the case of a Change of
               Control of the type described in (ii) or (iii) below, if a two-
               thirds majority of the members of the Company's Board of
               Directors affirmatively recommends such Change of Control to the
               Company's stockholders, or (B) in the case of a Change of Control
               of the type described in (i) or (v) below, if a two-thirds
               majority of the Company's Board of Directors approves such Change
               of Control. A "Change of Control" shall mean the first to occur
               of the following events:

               (i)  any date upon which the directors of the Company who were
                    nominated by the Board of Directors for election as
                    directors and/or were elected by the holders of the
                    Cumulative Convertible Participating Preferred Stock of the
                    Company cease to constitute a majority of the directors of
                    the Company; provided, however, that no individual initially
                    elected or nominated as a director of the Company as a
                    result of an actual or threatened election contest with
                    respect to directors or any other actual or threatened
                    solicitation of proxies or consents by or on behalf of any
                    person other than the Board shall be counted as having been
                    nominated by the Board of Directors for this purpose;

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             (ii)   a reorganization, merger or consolidation of the Company the
                    consummation of which results in the outstanding securities
                    of any class then subject to the Option being exchanged for
                    or converted into cash, property and/or securities not
                    issued by the Company,

             (iii)  the acquisition of substantially all of the property and
                    assets of the Company by any person or entity;

             (iv)   the dissolution or liquidation of the Company; or

             (v)    the date of the first public announcement that any person or
                    entity, together with all Affiliates and Associates (as such
                    capitalized terms are defined in Rule l2b-2 promulgated
                    under the Exchange Act) of such person or entity, shall have
                    become the Beneficial Owner (as defined in Rule l3d-3
                    promulgated under the Exchange Act) of voting securities of
                    the Company representing 35% or more of the voting power of
                    the Company; provided, however, that the terms "person" and
                    "entity," as used in this subsection (v), shall not include
                    (x) the Company, any of its subsidiaries, The Carlyle Group
                    and its Affiliates (y) any employee benefit plan of the
                    Company or any of its subsidiaries, or (z) any entity
                    holding voting securities of the Company for or pursuant to
                    the terms of any such plan.

          (e)  Other Events Causing Termination of Option. Notwithstanding
               ------------------------------------------
               anything to the contrary in this Agreement, the Option shall
               terminate on the thirtieth day following the date of the
               consummation of either of the following events, or upon such
               later date as shall be determined by the Committee:

               (i) the dissolution or liquidation of the Company;

               (ii) the acquisition of substantially all of the property and
                    assets of the Company by any person or entity, unless the
                    terms of such acquisition shall provide otherwise.

     3.  Adiustments. In the event that the outstanding securities of the class
         -----------
then subject to the Option are increased, decreased or exchanged for or
converted into cash, property or a different number or kind of shares or
securities, or if cash, property, shares or securities are distributed in
respect of such outstanding securities, in either case as a result of a
reorganization, merger, consolidation, recapitalization, restructuring,
reclassification, dividend (other than a regular, quarterly cash dividend) or
other distribution, stock split, reverse stock split, spin-off or the like, or,
subject to the other provisions of this Agreement, in the event that
substantially all of the property and assets of the Company are sold, then,
unless the terms of such transaction shall provide otherwise, the Committee
shall make appropriate and proportionate adjustments in the number and type of
shares or other securities or cash or other property that may thereafter be
acquired upon the exercise of the Option; provided, however, that any such
adjustments in the Option shall be made without changing the aggregate Exercise
Price of the then unexercised portion of the Option.

     4.  Exercise. The Option shall be exercisable during Optionee's lifetime
         --------
only by Optionee, by his or her guardian or legal representative, and after
Optionee's death only by the person or entity

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entitled to do so under Optionee's last will and testament or applicable
intestate law or, if approved by the Committee, by any permitted transferee to
whom the Option has been transferred. The Option may only be exercised by the
delivery to the Company of a written notice of such exercise pursuant to the
notice procedures set forth in Section 6 hereof, which notice shall specify the
number of Option Shares to be purchased (the "Purchased Shares") and the
aggregate Exercise Price for such shares (the "Exercise Notice"), together with
payment in full of such aggregate Exercise Price in cash or by a cashier's or
certified bank check payable to the Company; provided, however, that payment of
such aggregate Exercise Price may instead be made, in whole or in part at, the
election of the Optionee, either (A) by the delivery to the Company of a
certificate or certificates representing shares of Common Stock, duly endorsed
or accompanied by a duly executed stock powers, which delivery effectively
transfers to the Company good and valid title to such shares, free and clear of
any pledge, commitment, lien, claim or other encumbrance, (B) by authorizing the
withholding by the Company of shares of Common Stock that otherwise would be
issued to the Optionee as a result of the exercise of the Option (such shares to
be valued in either case on the basis of the aggregate fair market value thereof
on the date of such exercise) or (C) by such other method or combination of
methods as the Committee may approve; provided that (i) Optionee shall have
obtained the prior written approval of the Committee to pay the Exercise Price
pursuant to the methods set forth in clauses (A), (B) or (C) of this Section 4
and (ii) the Company is not then prohibited from purchasing or acquiring such
form of consideration as payment for shares of Common Stock.

     5.  Payment of Withholding Taxes. If the Company is obligated to withhold
         ----------------------------
an amount on account of any federal, state or local tax imposed as a result of
the exercise of the Option, including, without limitation, any federal, state or
other income tax, or any F.I.C.A., state disability insurance tax or other
employment tax, then Optionee shall, concurrently with such exercise, pay such
amount to the Company in cash or by cashier's or certified bank check payable to
the Company; provided however, that payment of such amount may instead be made,
in whole or in part, at the election of the Optionee, (A) either by the delivery
to the Company of a certificate or certificates representing shares of Common
Stock, duly endorsed or accompanied by a duly executed stock powers, which
delivery effectively transfers to the Company good and valid title to such
shares, free and clear of any pledge, commitment, lien, claim or other
encumbrance, (B) by authorizing the withholding by the Company of shares of
Common Stock that otherwise would be issued to the Optionee as a result of the
exercise of the Option (such shares to be valued in either case on the basis of
the aggregate fair market value thereof on the date of such exercise) or (C) by
such other method or combination of methods as the Committee may approve;
provided that (i) the Company is not then prohibited from purchasing or
acquiring such shares of Common Stock, and (ii) Optionee shall have obtained the
prior written approval of the Committee to pay such amount pursuant to the
methods set forth in clauses (A), or (B) or (C) of this Section 5.

     6.  Notices. Any notice given to the Company shall be addressed to the
         -------
Company at 2790 Mosside Boulevard, Monroeville, Pennsylvania 15146, Attention:
Secretary, or at such other address as the Company may hereinafter designate in
writing to Optionee. Any notice given to Optionee shall be sent to the address
set forth below Optionee's signature hereto, or at such other address as
Optionee may hereafter designate in writing to the Company. Any such notice
shall be deemed duly given when sent by prepaid certified or registered mail and
deposited in a post office or branch post office regularly maintained by the
United States Government.

     7.  Stock Exchange Requirements; Applicable Laws. Notwithstanding anything
         --------------------------------------------
to the contrary in this Agreement, no shares of stock purchased upon exercise of
the Option, and no certificate representing all or any part of such shares,
shall be issuable, issued or delivered if (a) such shares have not been admitted
to listing upon official notice of issuance on each stock exchange upon which
shares of

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that class are then listed or (b) in the opinion of counsel to the Company, such
issuance or delivery would cause the Company to be in violation of or to incur
liability under any federal, state or other securities law, or any requirement
of any stock exchange listing agreement to which the Company is a party, or any
other requirement of law or of any administrative or regulatory body having
jurisdiction over the Company.

     8.  Nontransferability.  Except as expressly approved by the Committee,
         ------------------
neither the Option nor any interest therein or in the shares issuable thereunder
may be sold, assigned, conveyed, gifted, pledged, hypothecated or otherwise
transferred in any manner other than by will or the laws of descent and
distribution.

     9.  2000 Plan. The Option is granted pursuant to the 2000 Plan, as in
         ---------
effect on the Date of Grant, and is subject to all the terms and conditions of
the 2000 Plan, as the same may be amended from time to time; provided, however,
that no such amendment shall deprive Optionee, without his or her consent, of
the Option or of any of Optionee's rights under this Agreement provided that no
such consent shall be required if the Committee determines in its sole
discretion and prior to the date of any Change of Control that such amendment
either (a) is required or advisable in order for the Company, the Plan or this
Option to satisfy any law or regulation or to meet the requirements of any
accounting standard, or (b) is not reasonably likely to significantly diminish
the benefits provided under such Option, or that any such diminishment has been
adequately compensated. The interpretation and construction by the Committee of
the 2000 Plan, this Agreement, the Option and such rules and regulations as may
be adopted by the Committee for the purpose of administering the 2000 Plan shall
be final and binding upon Optionee. Until the Option shall expire, terminate or
be exercised in full, the Company shall, upon written request therefor, send a
copy of the 2000 Plan, in its then-current form, to Optionee or any other person
or entity then entitled to exercise the Option.

     10.  Stockholder Rights. No person or entity shall be entitled to vote,
          ------------------
receive dividends or be deemed for any purpose the holder of any Option Shares
until the Option shall have been duly exercised to purchase such Option Shares
in accordance with the provisions of this Agreement.

     11. Employment Rights. No provision of this Agreement or of the Option
         -----------------
granted hereunder shall (a) confer upon Optionee, if Optionee is an employee of
the Company or any of its subsidiaries, any right to participate in any employee
welfare or benefit plan or other program of the Company or any of its
subsidiaries (other than the 2000 Plan pursuant to this Option), (b) affect the
right of the Company and each of its subsidiaries to terminate the employment of
Optionee (and Optionee agrees that the Company and each of its subsidiaries may
terminate the employment of Optionee with or without cause at any time unless
Optionee and the Company or such subsidiary are parties to a written employment
agreement that expressly provides otherwise), (c) confer upon Optionee, if
Optionee is an employee or director of any of the Company's affiliates, any
right to continue his or her relationship with the Company notwithstanding that
Optionee remains an employee or director of such other entity, (d) if Optionee
is an employee or director of an affiliate of the Company, affect the right of
the Company to discontinue its relationship with such Optionee or Optionee's
employer or (e) confer upon Optionee, if Optionee is a director of the Company
or any of its subsidiaries, any right to continue as a director of the Company
or any of its subsidiaries, if such Optionee's status as a director has
otherwise terminated.

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     12.  Confidentiality and Non-Solicitation.
          ------------------------------------

          (a)  While employed by the Company and for a period of one year after
               termination of Optionee's employment, and regardless of the
               reason for termination, Optionee will not:

               (i)  Solicit or induce, or attempt to solicit or induce, any
                    Customer or Prospective Customer of the Company to purchase
                    competitive services from a source other than the Company,
                    or to cease doing business with the Company. The term
                    Customer or Prospective Customer means any customer for whom
                    Optionee has performed any service or of whom Optionee
                    learns during, or as a result of, employment with Company,
                    including all subsidiaries, divisions, parents and
                    affiliates thereof.

               (ii) Solicit or induce, or attempt to solicit or induce, any
                    employee of the Company to terminate employment or to become
                    employed by a Competitive Business. The term Competitive
                    Business means environmental consulting, health and safety,
                    engineering, construction and remediation services, as well
                    as any other product or service which is competitive with
                    any product or service which is offered by the Company to
                    Customers during Optionee's employment.

          (b)  Optionee further agrees 1) to hold and safeguard for the benefit
               of the Company all Company Confidential Information, and 2) not
               to misappropriate, use for any other party's advantage, disclose
               or otherwise make available to any person, Company's Confidential
               Information except in the good faith performance of Optionee's
               job duties to persons having a need to know such information for
               the benefit of the Company. This obligation not to misappropriate
               or misuse Company Confidential information is not limited in
               time, and therefore continues after the termination of Optionee's
               employment, regardless of the reason for termination of
               employment.

          (c)  Confidential information includes, but is not limited to,
               information relating to prices and customer contract provisions;
               bid or proposal opportunities; expansion or acquisition plans;
               marketing plans and activities; inventions; litigation and
               litigation strategies; the identity of customers' contact
               persons, customer requirements; operating costs; the identities
               and performance of employees of the Company; business plans and
               strategies; policies and procedures; and other non-public
               information which is of value to the Company or to a competitor,
               regardless of whether such information is patented, patentable,
               copyrighted, or technically classifiable as a trade secret.
               Confidential Information as used in this Agreement shall also
               include the confidential information of the Company's customers,
               vendors and others who entrust such information to the Company.

     13.  Arbitration and Attorney Fees. To the maximum extent permitted by law,
          -----------------------------
all actions, proceedings, claims, disputes and other controversies arising out
of or related to this Agreement, or any of the matters referenced in this
Agreement, including Optionee's employment, if Optionee is an employee of the
Company or any of its subsidiaries or affiliates, including the termination
thereof, shall be decided by binding arbitration in the city in which Optionee
is based, or in the alternative, in the city in which the dispute arose, in
accordance with the rules of the American Arbitration Association. If the

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Company and Optionee have agreed in writing to other procedures and proceedings
for resolution of disputes, the Company may, at its election, consolidate any
proceedings into the arbitration provided for in this Agreement or the
arbitration provided for in this Agreement into any other proceedings otherwise
agreed to by Optionee. The arbitration panel shall be empowered to award
provisional (i.e., injunctive) relief upon proper application, but a party shall
be entitled, pending the appointment of all arbitrators and the convening of
such arbitration, to seek such relief from any court otherwise having competent
jurisdiction of such matter.  In the event of any action or proceeding
(including arbitration) to construe or enforce this Agreement, the prevailing
party shall be entitled to recover its reasonable attorney fees and costs.

     14.  Severability. Each provision of this Agreement is severable from the
          ------------
others. Should any provision of this Agreement be found invalid or
unenforceable, such provision shall be ineffective only to the extent required
by law, without invalidating the remainder of such provision or the remainder of
this Agreement; provided, however, should the consideration received by Optionee
for any particular provision of this Agreement be found legally inadequate,
Optionee agrees to return all consideration received by reason of this
Agreement. The terms and conditions set forth herein shall survive the
termination of this Agreement.

     15.  Governing Law. This Agreement and the Option granted hereunder shall
          -------------
be governed by and construed and enforced in accordance with the laws of the
State of Delaware.

     IN WITNESS WHEREOF, the Company and Optionee have duly executed this
Agreement as of the Date of Grant.

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                      NON-QUALIFIED STOCK OPTION AGREEMENT
                                Pursuant to the
                           2000 STOCK INCENTIVE PLAN

                         NOTICE OF GRANT AND AGREEMENT

Optionee:

Grant Number:
Date of Grant:
No. of Shares Purchasable:
Exercise Price Per Share:
Expiration Date:
Annual Vesting Rate:

OPTIONEE ACKNOWLEDGES AND AGREES THAT HE OR SHE HAS READ AND UNDERSTOOD AND
AGREES TO ALL OF THE TERMS OF THE OPTION AGREEMENT (INCLUDING SECTIONS 11 - 14)
OF WHICH THIS NOTICE OF GRANT AND AGREEMENT IS A PART.  UNLESS OTHERWISE
EXTENDED BY THE COMPANY, THE OPTIONS GRANTED IN THIS AGREEMENT WILL BE DEEMED
WITHDRAWN UNLESS OPTIONEE RETURNS A SIGNED COPY OF THIS AGREEMENT WITH SIXTY
(60) DAYS OF THE DATE OF GRANT.

The IT Group, Inc.                 OPTIONEE

By:
    James G. Kirk
    Secretary

                                   Name (Signature)

                                   Street Address

                                   City, State and Zip Code

                                   Social Security Number

                                 Page 9 of 9<PAGE>

                                                               EXHIBIT 10(iii)46

                              THE IT GROUP, INC.
                                LOAN AGREEMENT

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     THIS LOAN AGREEMENT, made and entered into this ___th day of ________  (the
"Effective Date"), by and among The IT Group, Inc., a corporation duly organized
and existing under the laws of the State of Delaware (the "Company") and
_______________, the _______________ of the Company ("Borrower").  Capitalized
terms used but not otherwise defined in this Agreement that are defined in the
Program (as defined below) shall have the meanings specified in the Program.

                             W I T N E S S E T H:

     WHEREAS, the Company has adopted the Ownership Guidelines which require
designated employees of the Company or an affiliate to own a specified number of
securities of the Company; and

     WHEREAS, Borrower is an employee subject to the Ownership Guidelines; and

     WHEREAS, the Company has adopted The IT Group, Inc. Executive Stock
Ownership Program (the "Program") to be administered by the Compensation
Committee of the Board of Directors of the Company (the "Committee"); and

     WHEREAS, the Committee has notified Borrower that he is eligible to
participate in the Program, the terms of which allow Borrower to borrow money
from the Company to apply toward the purchase of shares of the Company's Common
Stock in satisfaction of the Ownership Guidelines; and

     WHEREAS, Borrower desires to participate in the Program; and

     WHEREAS, Borrower desires to obtain a term loan as further described below
(the "Loan") to be used as financing for the purchase of shares of the Company's
Common Stock; and

     WHEREAS, Borrower is willing and has agreed to execute all documents
necessary to evidence his/her obligations to the Company, including but not
limited to a promissory note evidencing the Loan (the "Promissory Note").

     NOW, THEREFORE, in consideration of the promises and agreements herein
exchanged, the sufficiency and mutuality of which are jointly acknowledged, the
parties hereto do hereby agree as follows:
<PAGE>

                              THE IT GROUP, INC.
                                LOAN AGREEMENT

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                                   ARTICLE I

                                   THE LOAN

     Section 1.1    LOAN.  Subject to the terms and conditions of this
                    ----
Agreement, and for the consideration and purposes herein set forth, on the
Closing Date, the Company agrees to extend to Borrower the Loan in the amount of
_____________________Dollars ($_____), as increased under Sections 1.4 and 1.5
hereof and decreased under Section 1.6 hereof.  The term of this Agreement shall
commence on the execution of this Agreement and end on the Maturity Date as
defined in the Promissory Note unless such Maturity Date is accelerated in
accordance with Section 1.7.2 or Section 1.8 hereof.

     Section 1.2    PROMISSORY NOTE.  The Loan shall be evidenced by and payable
                    ---------------
on the terms and conditions set forth in the Promissory Note, a copy of which is
attached as Exhibit A and incorporated herein by this reference.

     Section 1.3    INTEREST RATE.  The Promissory Note shall bear interest at a
                    -------------
fixed rate of interest equal to the Applicable Federal Rate of six and sixty-
ninth percent (6.69%) per annum.

     Section 1.4    PRINCIPAL AMOUNT.  The principal amount of the Promissory
                    ----------------
Note shall be as stated therein.  The principal amount of the Promissory Note
shall be increased by all accrued and interest unpaid as of the Maturity Date on
the Promissory Note under Section 1.5 and decreased in accordance with Section
1.6.

     Section 1.5    INTEREST.  Interest shall accrue on the unpaid principal
                    --------
balance of the Promissory Note compounded semiannually with an interest rate as
set forth in Section 1.3 herein from the date of the Promissory Note until final
payment of the Promissory Note.  Such interest shall be payable on the Maturity
Date unless maturity of the Promissory Note is accelerated in accordance with
Section 1.7.2 or Section 1.8.

     Section 1.6    LOAN FORGIVENESS.
                    ----------------

          1.6.1     Upon each March 24 after the Effective Date, beginning
_____________ and ending on ________________, if Borrower is an employee of good
standing with the Company on each such date, the principal amount under the
Promissory Note shall be reduced by twenty-five percent (25%) and the entire
amount of accrued interest as of each _________ shall be treated as forgiven by
the Company.  The Company shall reimburse Borrower for any individual federal,
state, and local tax liability incurred by the Borrower as a result of the
characterization of the forgiveness of the principal and interest and tax
reimbursement as compensation required to be reported on Form W-2.  To the
extent practicable, this gross up calculation is intended to cover the taxes on
the forgiveness of any principal and interest and the tax reimbursement.

                                       2
<PAGE>

                              THE IT GROUP, INC.
                                LOAN AGREEMENT

--------------------------------------------------------------------------------

          1.6.2     Notwithstanding the foregoing, the forgiveness of the
principal and accrued interest under the Promissory Note shall be subject to the
following events:

                    (a)  Termination of Employment of Borrower.  In the event
                         -------------------------------------
Borrower's employment is terminated for Cause prior to the Maturity Date,
Borrower shall cease to be eligible to receive any forgiveness of principal and
accrued interest and tax reimbursements provided in Section 1.6.1 other than
such forgiveness previously credited under the Promissory Note and tax
reimbursements received before the Termination Date. In the event Borrower
terminates his or her employment with the Company and all affiliates voluntarily
(other than due to retirement, death or Permanent Disability) prior to the
Maturity Date, Borrower shall cease to be eligible to receive any forgiveness of
principal and accrued interest and tax reimbursements provided in Section 1.6.1
other than such forgiveness previously credited under the Promissory Note and
tax reimbursements received before the Termination Date. Subject to Section
1.6.2(d), in the event Borrower's employment is terminated involuntarily (other
than for Cause, retirement, death or disability) by the Company or an affiliate
prior to the Maturity Date, Borrower shall receive any forgiveness of principal
and accrued interest [and tax reimbursements] which would have occurred within
the six (6) months following the Termination Date had the Borrower remained an
employee of the Company during such six month period.

                    (b)  Retirement of Borrower.  In the event Borrower's
                         ----------------------
employment terminates on or after his or her Retirement Date prior to the
Maturity Date, for purposes of Section 1.6.1, the full remaining balance of the
Promissory Note including any accrued interest shall be fully forgiven
notwithstanding such termination of employment. Borrower shall be entitled to
receive, upon such retirement, all applicable tax reimbursements provided under
Section 1.6.1.

                    (c)  Death or Disability of Borrower.  In the event
                         -------------------------------
Borrower dies or becomes Permanently Disabled prior to the Maturity Date, for
purposes of Section 1.6.1, the full remaining balance of the Promissory Note
including any accrued interest shall be fully forgiven notwithstanding such
death or disability. Borrower or, if applicable, Borrower's estate, shall be
entitled to receive, upon such death or disability, all applicable tax
reimbursements provided under Section 1.6.1.

                    (d)  Change of Control.  In the event an involuntary
                         -----------------
termination of employment, other than for Cause, occurs within 24 months of a
Change of Control and prior to the Maturity Date, for purposes of Section 1.6.1,
the full remaining balance of the Promissory Note including any accrued interest
shall be fully forgiven notwithstanding such termination of employment. Borrower
shall be entitled to receive, upon such termination of employment, all
applicable tax reimbursements provided under Section 1.6.1.

     Section 1.7    REPAYMENTS OF PRINCIPAL.
                    -----------------------

                                       3
<PAGE>

                              THE IT GROUP, INC.
                                LOAN AGREEMENT

--------------------------------------------------------------------------------

          1.7.1     The principal amount of the Promissory Note shall be due on
the Maturity Date unless maturity of the Promissory Note is accelerated in
accordance with Section 1.7.2 or Section 1.8 herein.

          1.7.2     In the event Borrower's employment is terminated for Cause
prior to the Maturity Date, any outstanding interest and principal under the
Promissory Note and not forgiven pursuant to Section 1.6 hereof shall become
immediately due and payable on the Termination Date. In the event Borrower
terminates his or her employment with the Company and all affiliates voluntarily
(other than due to retirement, death or Permanent Disability) prior to the
Maturity Date, any outstanding interest and principal under the Promissory Note
and not forgiven pursuant to Section 1.6 hereof shall become immediately due and
payable on the Termination Date. In the event Borrower's employment is
terminated involuntarily (other than for Cause, retirement, death or disability
or change in control in accordance with 2.1.6.2(d)) by the Company or an
affiliate prior to the Maturity Date, any outstanding interest and principal
under the Promissory Note and not forgiven under Section 1.6 hereof shall become
due and payable on the Termination Date.

     Section 1.8    OPTIONAL PREPAYMENTS.  The Loan may be prepaid in whole or
                    --------------------
in part at any time.  Any partial prepayments shall be applied first to accrued
and unpaid interest, and then to principal.

     Section 1.9    SECURITY.  The Loan is unsecured.
                    --------

     Section 1.10   RECOURSE.  The Loan is full recourse, and neither collection
                    --------
nor enforcement of the Loan is limited to any particular assets of Borrower.

                                  ARTICLE II

                   BORROWER'S REPRESENTATIONS AND WARRANTIES

     To induce the Company to enter into and extend and advance funds to
Borrower pursuant to this Agreement, in addition to any other warranties set
forth herein, Borrower hereby warrants and represents to the Company as follows,
acknowledging that the Company is relying on the truth and accuracy of the
following representations and warranties in entering into this Agreement with
Borrower:

     Section 2.1    VALIDITY.  This Agreement has been duly executed by Borrower
                    --------
and constitutes Borrower's valid and binding obligation enforceable against
Borrower in accordance with its terms.

     Section 2.2    ADEQUATE RESOURCES.  Borrower currently has, or on the dates
                    ------------------
upon which payments are due under the Promissory Note reasonably expects to
have, adequate personal financial resources from which to repay the Loan.

                                       4
<PAGE>

                              THE IT GROUP, INC.
                                LOAN AGREEMENT

--------------------------------------------------------------------------------

                                  ARTICLE III

                           DEFAULT; REMEDIES; WAIVER

     Section 3.1    EVENTS OF DEFAULT.  The following events shall constitute
                    -----------------
Events of Default under this Agreement:

          3.1.1     Failure to Pay.  If Borrower fails to pay any amount of
                    --------------
principal or interest as required herein, when such amount becomes due, and such
failure continues, in whole or in part, for 90 days after the date such payment
was due.

          3.1.2     Insolvency or Bankruptcy.  Borrower becomes insolvent or
                    ------------------------
unable to pay his debts as such debts become due, or Borrower files a voluntary
petition in bankruptcy or has an involuntary petition for bankruptcy filed
against him or her.

     Section 3.2    REMEDIES.  Upon the occurrence of either Event of Default
                    --------
under Section 3.1 hereof, the Company shall have the following remedies:

          3.2.1     Insolvency or Bankruptcy.  If such event is an Event of
                    ------------------------
Default specified in Section 3.1.2 above, the Loan and all other amounts owing
under this Agreement and Promissory Note shall immediately become due and
payable.

          3.2.2     Failure to Pay.  If such default is an Event of Default
                    --------------
specified in Section 3.1.1, the Company may, by 30 days' prior written notice to
Borrower, declare the Loan and all other amounts owing under this Agreement and
the Promissory Note to be due and payable in full, whereupon the same shall
immediately become due and payable.

          3.2.3     Other Remedies; Setoff.  The Company may exercise any and
                    ----------------------
all other remedies granted to it under this Agreement or at law. Without
limiting the generality of the foregoing, the Company shall have the right to
setoff any amount due hereunder against any amount owed by Borrower to Company.

          3.2.4     Remedies Not Exclusive.  In addition to the foregoing
                    ----------------------
remedies, the Company shall have all the rights and remedies available to it
under applicable law.

     Section 3.3    NONWAIVER.  The failure of the Company, for any reason, to
                    ---------
declare a default, or to enforce or insist on the strict performance of the
covenants of this Agreement, or to seek any redress available to the Company
under this Agreement, shall not be deemed a waiver of such default or of strict
performance of any covenant, obligation or condition of this Agreement, nor
prevent a subsequent act by Borrower from having all the force and effect of any
original default or breach.

                                       5
<PAGE>

                              THE IT GROUP, INC.
                                LOAN AGREEMENT

--------------------------------------------------------------------------------

                                  ARTICLE IV

                              GENERAL PROVISIONS

     Section 4.1    ASSIGNABILITY.  Borrower's rights and interests under this
                    -------------
Agreement (a) may not be sold, assigned, transferred, pledged, hypothecated,
gifted, bequeathed or otherwise disposed of to any other party by Borrower or
any beneficiary, executor, administrator, heir, distributee or other person
claiming under such Borrower, and (b) shall not be subject to execution,
attachment or similar process.  Any attempted sale, assignment, transfer,
pledge, hypothecation, gift, bequest or other disposition of such rights,
interests or benefits contrary to the foregoing provisions of this Section shall
be null and void and without effect.

     Section 4.2    MODIFICATION.  This Agreement may only be amended, modified,
                    ------------
or supplemented by written agreement executed by the Company and Borrower.

     Section 4.3    NOTICES.  Any notice or demand given under the terms of this
                    -------
Agreement shall be deemed delivered when mailed via United States certified
mail, addressed to the other party, at the following address:

     COMPANY:

     Corporate Secretary
     The IT Group, Inc.
     2790 Mosside Boulevard
     Monroeville, PA 15146

     BORROWER:

     ______________________
     ______________________
     ______________________

Alternatively, notice or demand given under the terms of this Agreement may be
given by hand delivery to the other party.  If to Company, such delivery will be
effective when actually delivered to:  Corporate Secretary, The IT Group, Inc.,
2790 Mosside Boulevard, Monroeville, PA 15146; if to Borrower, when delivered to
the same address as listed above for mailing to Borrower.

     Section 4.4    BINDING EFFECT.  This Agreement shall be binding upon and
                    --------------
inure to the benefit of the successors and assigns of the parties hereto.

     Section 4.5    ATTORNEY'S FEES.  In the event any action or suit is taken
                    ---------------
or instituted to enforce this Agreement or the Promissory Note, the prevailing
party shall be entitled to receive from the defaulting party all costs, expenses
and fees, including reasonable attorney's fees, incurred by the prevailing party
in enforcing this Agreement or the Promissory Note.

                                       6
<PAGE>

                              THE IT GROUP, INC.
                                LOAN AGREEMENT

--------------------------------------------------------------------------------

     Section 4.6    TERMINATION.  This Agreement shall be of no further force
                    -----------
and effect when the Loan and all obligations owed to the Company by Borrower in
connection with this Agreement have been satisfied.

     Section 4.7    SEVERABILITY.  In the event that any provision of this
                    ------------
Agreement is found to be invalid or otherwise unenforceable by a court or other
tribunal of competent jurisdiction, such invalidity or unenforceability shall
not be construed as rendering any other provision contained herein invalid or
unenforceable, and all such other provisions shall be given full force and
effect to the same extent as though the invalid and unenforceable provision was
not contained herein.

     Section 4.8    INCORPORATION OF EXHIBITS.  All exhibits referred to in this
                    -------------------------
Agreement are incorporated by reference and made a part of the terms, provisions
and covenants of this Agreement.

     Section 4.9    GOVERNING LAW.  This Agreement shall be governed by and
                    -------------
construed and enforced in accordance and with the laws of the State of Delaware,
without regard to the application of the conflicts of law provisions thereof.

     Section 4.10   CUMULATIVE REMEDIES.  All the Company's rights and remedies,
                    -------------------
whether evidenced under the terms of this Agreement or any other document or
instrument referred to herein are cumulative and are not intended to exclude any
other remedies or means of redress to which the Company may be entitled by
statute or otherwise.

     IN WITNESS WHEREOF, the parties have executed this Loan Agreement on the
day and year first above written.

                                             THE IT GROUP, INC.

                                             By: _______________________________
                                             Title: ____________________________

                                             BORROWER

                                             By: _______________________________

                                       7

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