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                                                                    Exhibit 10.1

                              THE WHITE HOUSE, INC.
                             1999 STOCK OPTION PLAN

1.   ESTABLISHMENT, PURPOSE AND TYPES OF OPTIONS

     The White House, Inc. hereby establishes The White House, Inc. 1999 Stock
Option Plan (the "Plan"). The purpose of the Plan is to promote the long-term
growth and profitability of The White House, Inc. (the "Corporation") by (i)
providing key people with incentives to improve stockholder value and to
contribute to the growth and financial success of the Corporation, and (ii)
enabling the Corporation to attract, retain and reward the best available
persons for positions of substantial responsibility.

     The Plan permits the granting of stock options including nonqualified stock
options and incentive stock options qualifying under Section 422 of the Code
(collectively, "Options").

     The Plan is a compensatory benefit plan within the meaning of Rule 701
under the Securities Act of 1933 (the "Securities Act"). Except to the extent
any other exemption from the Securities Act is expressly relied upon in
connection with any agreement entered into pursuant to the Plan or the
securities issuable hereunder are registered under the Securities Act, the
issuance of Common Stock pursuant to the Plan is intended to qualify for the
exemption from registration under the Securities Act provided by Rule 701. To
the extent that an exemption from registration under the Securities Act provided
by Rule 701 is unavailable, all unregistered offers and sales of Options and
shares of Common Stock issuable upon exercise of an Option are intended to be
exempt from registration under the Securities Act in reliance upon the private
offering exemption contained in Section 4(2) of the Securities Act, or other
available exemption, and the Plan shall be so administered.

2.   DEFINITIONS

     Under this Plan, except where the context otherwise indicates, the
following definitions apply:

     (a)  "BOARD" shall mean the Board of Directors of the Corporation.

     (b)  "CODE" shall mean the Internal Revenue Code of 1986, as amended, and
any regulations issued thereunder.

     (c)  "COMMITTEE" shall mean the Board or committee of Board members
appointed pursuant to Section 3 of the Plan to administer the Plan.

     (d)  "COMMON STOCK" shall mean shares of the Corporation's Class A common
stock.

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     (e)  "EXCHANGE ACT" shall mean the Securities Exchange Act of 1934, as
amended.

     (f)  "FAIR MARKET VALUE" of a share of the Corporation's Common Stock for
any purpose under the Plan on a particular date shall be determined in good
faith by the Committee. Until such time as the Common Stock is publicly traded
on a securities exchange (including Nasdaq), such determination shall be made by
the Committee in consultation with independent accountants or other financial
advisors to the Corporation based on review of the financial statements of the
Corporation for the most recently completed period and such other information
as is determined to be relevant by the Committee. Such a determination
regarding Fair Market Value of the Common Stock shall be made by the Committee
no less frequently than annually based on a review of the financial statements
of the Corporation for the most recently completed fiscal year. However,
intervening determinations of Fair Market Value shall be made based on a review
of the financial statements for the Corporation for the most recently completed
fiscal quarter if in the judgement of the Committee events have occurred
subsequent to the previous annual determination that warrant an interim
valuation. The determination by the Committee of Fair Market Value of a share
of Common Stock shall be final and binding on grantees of Options for all
purposes under the Plan and grant agreements issued thereunder.

     (g)  "GRANT AGREEMENT" shall mean a written agreement between the
Corporation and a grantee memorializing the terms and conditions of an Option
granted pursuant to the Plan.

     (h)  "GRANT DATE" shall mean the date on which the Committee formally acts
to grant an Option to a grantee or such other date as the Committee shall so
designate at the time of taking such formal action.

     (i)  "INDEPENDENT THIRD PARTY" shall mean any individual or entity (a
"Person") who, immediately prior to the contemplated transaction or series of
transactions, does not own in excess of 5% of the Company's Common Stock on a
fully-diluted basis (a "5% owner"), who is not controlling, controlled by or
under common control with any such 5% Owner and who is not the spouse or
descendent (by birth or adoption) of any such 5% Owner or a trust for the
benefit of such 5% Owner and/or such other Persons. Notwithstanding the
foregoing, no holder or group of holders of the Company's Common Stock as of the
Effective Date (as defined in the Plan) of the Plan shall be an Independent
Third Party or group of Independent Third Parties.

     (j)  "PARENT" shall mean a corporation, whether now or hereafter existing,
within the meaning of the definition of "parent corporation" provided in Section
424(e) of the Code, or any successor thereto of similar import.

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     (k)  "RULE 16B-3" shall mean Rule 16b-3 as in effect under the Exchange Act
on the effective date of the Plan, or any successor provision prescribing
conditions necessary to exempt the issuance of securities under the Plan (and
further transactions in such securities) from Section 16(b) of the Exchange Act.

     (l)  "SALE OF THE COMPANY" shall mean the sale of the Company to an
Independent Third Party or group of Independent Third Parties pursuant to which
such party or parties acquire(s): (i) capital stock of the Company possessing
the voting power under normal circumstances to elect a majority of the Company's
board of directors (whether by merger, consolidation or sale or transfer of the
Company's capital stock) or (ii) all or substantially all of the Company's
assets determined on a consolidated basis.

     (m)  "SUBSIDIARY" AND "SUBSIDIARIES" shall mean only a corporation or
corporations, whether now or hereafter existing, within the meaning of the
definition of "subsidiary corporation" provided in Section 424(f) of the Code,
or any successor thereto of similar import.

3.   ADMINISTRATION

     (a)  PROCEDURE. The Plan shall be administered by the Board. In the
alternative, the Board may appoint a Committee consisting of not less than two
(2) members of the Board to administer the Plan on behalf of the Board, subject
to such terms and conditions as the Board may prescribe. Once appointed, the
Committee shall continue to serve until otherwise directed by the Board. From
time to time, the Board may increase the size of the Committee and appoint
additional members thereof, remove members (with or without cause) and appoint
new members in substitution therefor, fill vacancies, however caused, and remove
all members of the Committee and, thereafter, directly administer the Plan. In
the event that the Board is the administrator of the Plan in lieu of a
Committee, the term "Committee" as used herein shall be deemed to mean the
Board.

          Members of the Board or Committee who are either eligible for Options
or have been granted Options may vote on any matters affecting the
administration of the Plan or the grant of Options pursuant to the Plan, except
that no such member shall act upon the granting of an Option to himself or
herself, but any such member may be counted in determining the existence of a
quorum at any meeting of the Board or the Committee during which action is taken
with respect to the granting of an Option to him or her.

          The Committee shall meet at such times and places and upon such notice
as it may determine, consistent with the Bylaws of the Company. A majority of
the Committee shall constitute a quorum. Any acts by the Committee may be taken
at any meeting at which a quorum is present and shall be by majority vote of
those members entitled to vote. Additionally, any acts approved in writing by
all of the members of the Committee and filed with the minutes of the Committee
shall be valid acts of the Committee.

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     (b)  PROCEDURE AFTER REGISTRATION OF COMMON STOCK. Upon and after the point
in time that the Common Stock or any other capital stock of the Corporation
becomes registered under Section 12 of the Exchange Act, the Board shall take
all action necessary to cause the Plan to be administered in accordance with the
then effective provisions of Rule 16b-3, provided that any amendment to the Plan
required for compliance with such provisions shall be made in accordance with
Section 10 of the Plan.

     (c)  POWERS OF THE COMMITTEE. The Committee shall have all the powers
vested in it by the terms of the Plan, such powers to include authority, in its
sole and absolute discretion, to grant Options under the Plan, prescribe Grant
Agreements evidencing such Options and establish programs for granting Options.
The Committee shall have full power and authority to take all other actions
necessary to carry out the purpose and intent of the Plan, including, but not
limited to, the authority to:

          (i)  determine the eligible persons to whom, and the time or times at
     which Options shall be granted,

          (ii) determine the types of Options to be granted,

          (iii) determine the number of shares to be covered by or used for
     reference purposes for each Option,

          (iv) impose such terms, limitations, restrictions and conditions upon
     any such Option as the Committee shall deem appropriate,

          (v)  modify, extend or renew outstanding Options, accept the surrender
     of outstanding Options and substitute new Options, provided that no such
     action shall be taken with respect to any outstanding Option which would
     materially adversely affect the grantee without the grantee's consent, and

          (vi) accelerate or otherwise change the time in which an Option may be
     exercised or becomes payable and to waive or accelerate the lapse, in whole
     or in part, of any restriction or condition with respect to such Option,
     including, but not limited to, any restriction or condition with respect to
     the vesting or exercisability of an Option following termination of any
     grantee's employment, or in the case of a member of the Board, service on
     the Board.

The Committee shall have full power and authority to administer and interpret
the Plan and to adopt such rules, regulations, agreements, guidelines and
instruments for the administration of the Plan and for the conduct of its
business as the Committee deems

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necessary or advisable and to interpret same, all within the Committee's sole
and absolute discretion.

     (d)  LIMITED LIABILITY. To the maximum extent permitted by law, no member
of the Board or Committee shall be liable for any action taken or decision made
in good faith relating to the Plan or any Option thereunder.

     (e)  INDEMNIFICATION. To the maximum extent permitted by law, the members
of the Board and Committee shall be indemnified by the Corporation in respect of
all their activities under the Plan.

     (f)  EFFECT OF COMMITTEE'S DECISION. All actions taken and decisions and
determinations made by the Committee on all matters relating to the Plan
pursuant to the powers vested in it hereunder shall be in the Committee's sole
and absolute discretion and shall be conclusive and binding on all parties
concerned, including the Corporation, its stockholders, any participants in the
Plan and any other employee of the Corporation, and their respective successors
in interest.

4.   SHARES AVAILABLE FOR THE PLAN; MAXIMUM OPTIONS

     Subject to adjustments as provided in Section 9 of the Plan, the shares of
stock that may be delivered or purchased under the Plan, including with respect
to incentive stock options intended to qualify under Section 422 of the Code,
shall not exceed an aggregate of One Million (1,000,000) shares of Common Stock
of the Corporation and the Corporation shall reserve said number of shares of
Common Stock for issuance pursuant to the Plan. If any Option, or portion of an
Option, under the Plan expires or terminates unexercised, becomes unexercisable
or is forfeited or otherwise terminated, surrendered or canceled as to any
shares, the shares subject to such Option shall thereafter be available for
further Options under the Plan.

5.   PARTICIPATION

     Participation in the Plan shall be open to all full-time employees,
officers, directors, subcontractors and outside consultants of the Corporation,
or of any Parent or Subsidiary of the Corporation, as may be selected by the
Committee from time to time. Notwithstanding the foregoing, participation in the
Plan with respect to awards of incentive stock options shall be limited to
employees of the Corporation, or of any Parent or Subsidiary of the Corporation.
Options may be granted to such eligible persons and for or with respect to such
number of shares of Common Stock as the Committee shall determine, subject to
the limitations in Section 4 and Section 6(e) of the Plan. A grant of any type
of Option made in any one year to an eligible person shall neither guarantee nor
preclude a further grant of that or any other type of Option to such person in
that year or subsequent years.

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6.   GRANT OF STOCK OPTIONS

     Subject to the other applicable provisions of the Plan, the Committee may
from time to time grant to eligible participants nonqualified stock options or
incentive stock options as that term is defined in Section 422 of the Code. The
stock options granted shall be subject to the following terms and conditions.

     (a)  GRANT OF OPTION. The grant of a stock option shall be evidenced by a
Grant Agreement, executed by the Corporation and the grantee, stating the number
of shares of Common Stock subject to the stock option evidenced thereby and the
terms and conditions of such stock option, in such form as the Committee may
from time to time determine.

     (b)  PRICE. The price per share payable upon the exercise of each stock
option ("exercise price") shall be determined by the Committee, but in no event
shall be less than the Fair Market Value of such stock at the Grant Date.

     (c)  PAYMENT. Stock options may be exercised in whole or in part by payment
of the exercise price of the shares to be acquired in accordance with the
provisions of the Grant Agreement, and/or such rules and regulations as the
Committee may have prescribed, and/or such determinations, orders, or decisions
as the Committee may have made. Payment may be made in cash (or cash equivalents
acceptable to the Committee) or, unless otherwise determined by the Committee,
in shares of Common Stock or a combination of cash and shares of Common Stock,
or by such other means as the Committee may prescribe. The Fair Market Value of
shares of Common Stock delivered on exercise of stock options shall be
determined as of the date of exercise. Shares of Common Stock delivered in
payment of the exercise price may be previously owned shares or, if approved by
the Committee, shares acquired upon exercise of the stock option. Any fractional
share will be paid in cash. The Corporation may make or guarantee loans to
grantees to assist grantees in exercising stock options and satisfying any
related withholding tax obligations.

     If the Common Stock is registered under Section 12(b) or 12(g) of the
Exchange Act, the Committee, subject to such limitations as it may determine,
may authorize payment of the exercise price, in whole or in part, by delivery of
a properly executed exercise notice, together with irrevocable instructions, to:
(i) a brokerage firm designated by the Corporation to deliver promptly to the
Corporation the aggregate amount of sale or loan proceeds to pay the exercise
price and any withholding tax obligations that may arise in connection with the
exercise, and (ii) the Corporation to deliver the certificates for such
purchased shares directly to such brokerage firm.

     (d)  TERMS OF OPTIONS. The term during which each stock option may be
exercised shall be determined by the Committee; provided, however, that in no
event shall a stock option be exercisable more than ten years from the date it
is granted. Prior to the exercise of the stock option and delivery of the shares
certificates represented

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thereby, the grantee shall have none of the rights of a stockholder with respect
to any shares represented by an outstanding stock option.

     (e)  RESTRICTIONS ON INCENTIVE STOCK OPTIONS. Incentive Stock Options
granted under the Plan shall comply in all respects with Code Section 422 and,
as such, shall meet the following additional requirements.

          (i)  Grant Date. An incentive stock option must be granted within 10
     years of the earlier of the Plan's adoption by the Board of Directors or
     approval by the Corporation's shareholders.

          (ii) Exercise Price and Term. The exercise price of an incentive stock
     option shall not be less than 100% of the Fair Market Value of the shares
     on the date the stock option is granted and the term of the stock option
     shall not exceed ten years. Also, the exercise price of any incentive stock
     option granted to a grantee who owns (within the meaning of Section
     422(b)(6) of the Code, after the application of the attribution rules in
     Section 424(d) of the Code) more than 10% of the total combined voting
     power of all classes of shares of the Corporation or its Parent or
     Subsidiary corporations (within the meaning of Sections 422 and 424 of the
     Code) shall be not less than 110% of the Fair Market Value of the Common
     Stock on the grant date and the term of such stock option shall not exceed
     five years.

          (iii) Maximum Grant. The aggregate Fair Market Value (determined as of
     the Grant Date) of shares of Common Stock with respect to which all
     incentive stock options first become exercisable by any grantee in any
     calendar year under this or any other plan of the Corporation and its
     Parent and Subsidiary corporations may not exceed $100,000 or such other
     amount as may be permitted from time to time under Section 422 of the Code.
     To the extent that such aggregate Fair Market Value shall exceed $100,000,
     or other applicable amount, such stock options shall be treated as
     nonqualified stock options. In such case, the Corporation may designate the
     shares of Common Stock that are to be treated as stock acquired pursuant to
     the exercise of an incentive stock option by issuing a separate certificate
     for such shares and identifying the certificate as incentive stock option
     shares in the stock transfer records of the Corporation.

          (iv) Grantee. Incentive stock options shall only be issued to
     employees of the Corporation, or of a Parent or Subsidiary of the
     Corporation.

         (v) Designation. No stock option shall be an incentive stock option
     unless so designated by the Committee at the time of grant or in the Grant
     Agreement evidencing such stock option.

         (vi) Stockholder Approval. No stock option issued under the Plan shall
     be an incentive stock option unless the Plan is approved by the
     shareholders of the
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     Corporation within 12 months of its adoption by the Board in accordance
     with the Bylaws and Articles of the Corporation and governing law relating
     to such matters.

     (f)  OTHER TERMS AND CONDITIONS. Stock options may contain such other
provisions, not inconsistent with the provisions of the Plan, as the Committee
shall determine appropriate from time to time.

7.   WITHHOLDING OF TAXES

     The Corporation may require, as a condition to the grant of any Option
under the Plan or exercise pursuant to such Option or to the delivery of
certificates for shares issued or payments of cash to a grantee pursuant to the
Plan or a Grant Agreement (hereinafter collectively referred to as a "taxable
event"), that the grantee pay to the Corporation, in cash or, unless otherwise
determined by the Corporation, in shares of Common Stock, including shares
acquired upon grant of the Option or exercise of the Option, valued at Fair
Market Value on the date as of which the withholding tax liability is
determined, any federal, state or local taxes of any kind required by law to be
withheld with respect to any taxable event under the Plan. The Corporation, to
the extent permitted or required by law, shall have the right to deduct from any
payment of any kind (including salary or bonus) otherwise due to a grantee any
federal, state or local taxes of any kind required by law to be withheld with
respect to any taxable event under the Plan, or to retain or sell without notice
a sufficient number of the shares to be issued to such grantee to cover any such
taxes.

8.   TRANSFERABILITY

     No Option granted under the Plan shall be transferable by a grantee
otherwise than by will or the laws of descent and distribution. Unless otherwise
determined by the Committee in accord with the provisions of the immediately
preceding sentence, an Option may be exercised during the lifetime of the
grantee, only by the grantee or, during the period the grantee is under a legal
disability, by the grantee's guardian or legal representative.

9.   ADJUSTMENTS; BUSINESS COMBINATIONS

     In the event of a reclassification, recapitalization, stock split, stock
dividend, combination of shares, or other similar event, the maximum number and
kind of shares reserved for issuance or with respect to which Options may be
granted under the Plan as provided in Section 4 shall be adjusted to reflect
such event, and the Committee shall make such adjustments as it deems
appropriate and equitable in the number, kind and price of shares covered by
outstanding Options made under the Plan, and in any other matters which relate
to Options and which are affected by the changes in the Common Stock referred to
above.

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     In the event of any proposed Sale of the Company, the Committee shall take
such action as it deems appropriate and equitable to effectuate the purposes of
this Plan and to protect the grantees of Options, which action may include, but
without limitation, any one or more of the following: (i) acceleration or change
of the exercise dates of any Option; (ii) cancellation of any Option upon
payment to the holder in cash of the Fair Market Value of the Common Stock
subject to such Option as of the date of (and, to the extent applicable, as
established for purposes of) the Sale of the Company, less the aggregate
exercise price, if any, of the Option; and (iii) in any case where equity
securities of another entity are proposed to be delivered in exchange for or
with respect to Common Stock of the Corporation, arrangements to have such other
entity replace the Options granted hereunder with options with respect to such
other securities, with appropriate adjustments in the number of shares subject
to, and the exercise prices under, the option.

     The Committee is authorized to make adjustments in the terms and conditions
of, and the criteria included in, Options in recognition of unusual or
nonrecurring events (including, without limitation, the events described in the
preceding two paragraphs of this Section 9) affecting the Corporation, or the
financial statements of the Corporation or any Subsidiary, or of changes in
applicable laws, regulations, or accounting principles, whenever the Committee
determines that such adjustments are appropriate in order to prevent dilution or
enlargement of the benefits or potential benefits intended to be made available
under the Plan.

     In the event the Corporation dissolves and liquidates (other than pursuant
to a plan of merger or reorganization), then notwithstanding any restrictions on
exercise set forth in this Plan or any Grant Agreement, or other agreement
evidencing a stock option: (i) each grantee shall have the right to exercise his
stock option at any time up to ten (10) days prior to the effective date of such
liquidation and dissolution; and (ii) the Committee may make arrangements with
the grantees for the payment of appropriate consideration to them for the
cancellation and surrender of any stock option that is so canceled or
surrendered at any time up to ten (10) days prior to the effective date of such
liquidation and dissolution. The Committee may establish a different period (and
different conditions) for such exercise, delivery, cancellation, or surrender to
avoid subjecting the grantee to liability under Section 16(b) of the Exchange
Act. Any stock option not so exercised, canceled, or surrendered shall terminate
on the last day for exercise prior to such effective date.

10.  TERMINATION AND MODIFICATION OF THE PLAN

     The Board, without further approval of the stockholders, may modify or
terminate the Plan or any portion thereof at any time, except that no
modification shall become effective without prior approval of the stockholders
of the Corporation to increase the number of shares of Common Stock subject to
the Plan or if stockholder approval is necessary to comply with any tax or
regulatory requirement or rule of any exchange or Nasdaq System upon which the
Common Stock is listed or quoted (including for this purpose stockholder
approval that is required for continued compliance with Rule 16b-3

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or stockholder approval that is required to enable the Committee to grant
incentive stock options pursuant to the Plan).

     The Committee shall be authorized to make minor or administrative
modifications to the Plan as well as modifications to the Plan that may be
dictated by requirements of federal or state laws applicable to the Corporation
or that may be authorized or made desirable by such laws. The Committee may
amend or modify the grant of any outstanding Option in any manner to the extent
that the Committee would have had the authority to make such Option as so
modified or amended. No modification may be made that would materially adversely
affect any Option previously made under the Plan without the approval of the
grantee.

11.  NON-GUARANTEE OF EMPLOYMENT

     Nothing in the Plan or in any Grant Agreement thereunder shall confer any
right on an employee to continue in the employ of the Corporation or shall
interfere in any way with the right of the Corporation to terminate an employee
at any time.

12.  TERMINATION OF EMPLOYMENT

     For purposes of maintaining a grantee's continuous status as an employee
and accrual of rights under any Option, transfer of an employee among the
Corporation and the Corporation's Parent or Subsidiaries shall not be considered
a termination of employment. Nor shall it be considered a termination of
employment for such purposes if an employee is placed on military or sick leave
or such other leave of absence which is considered as continuing intact the
employment relationship; in such a case, the employment relationship shall be
continued until the date when an employee's right to reemployment shall no
longer be guaranteed either by law or contract.

13.  WRITTEN AGREEMENT

     Each Grant Agreement entered into between the Corporation and a grantee
with respect to an Option granted under the Plan shall incorporate the terms of
this Plan and shall contain such provisions, consistent with the provisions of
the Plan, as may be established by the Committee.

14.  NON-UNIFORM DETERMINATIONS

     The Committee's determinations under the Plan (including without limitation
determinations of the persons to receive Options, the form, amount and timing of
such Options, the terms and provisions of such Options and the agreements
evidencing same) need not be uniform and may be made by it selectively among
persons who receive, or are eligible to receive, Options under the Plan, whether
or not such persons are similarly situated.

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15.  LIMITATION ON BENEFITS

     With respect to persons subject to Section 16 of the Exchange Act,
transactions under this Plan are intended to comply with all applicable
conditions of Rule 16b-3. To the extent any provision of the Plan or action by
the Committee fails to so comply, it shall be deemed null and void, to the
extent permitted by law and deemed advisable by the Committee.

16.  LISTING AND REGISTRATION

     If the Corporation determines that the listing, registration or
qualification upon any securities exchange or upon any listing or quotation
system established by the National Association of Securities Dealers, Inc.
("Nasdaq System") or under any law, of shares subject to any Option is necessary
or desirable as a condition of, or in connection with, the granting of same or
the issue or purchase of shares thereunder, no such Option may be exercised in
whole or in part and no restrictions on such Option shall lapse, unless such
listing, registration or qualification is effected free of any conditions not
acceptable to the Corporation.

17.  COMPLIANCE WITH SECURITIES LAW

     The Corporation may require that a grantee, as a condition to exercise of
an Option, and as a condition to the delivery of any share certificate, provide
to the Corporation, at the time of each such exercise and each such delivery, a
written representation that the shares of Common Stock being acquired shall be
acquired by the grantee solely for investment and will not be sold or
transferred without registration or the availability of an exemption from
registration under the Securities Act and applicable state securities laws. The
Corporation may also require that a grantee submit other written representations
which will permit the Corporation to comply with federal and applicable state
securities laws in connection with the issuance of the Common Stock, including
representations as to the knowledge and experience in financial and business
matters of the grantee and the grantee's ability to bear the economic risk of
the grantee's investment. The Corporation may require that the grantee obtain a
"purchaser representative" as that term is defined in applicable federal and
state securities laws. The stock certificates for any shares of Common Stock
issued pursuant to this Plan may bear a legend restricting transferability of
the shares of Common Stock unless such shares are registered or an exemption
from registration is available under the Securities Act and applicable state
securities laws. The Corporation may notify its transfer agent to stop any
transfer of shares of Common Stock not made in compliance with these
restrictions. Common Stock shall not be issued with respect to an Option granted
under the Plan unless the exercise of such Option and the issuance and delivery
of share certificates for such Common Stock pursuant thereto shall comply with
all relevant provisions of law, including, without limitation, the Securities
Act, the Exchange Act, the rules and regulations promulgated thereunder, and the
requirements of any national securities exchange or Nasdaq System upon which the
Common Stock may then be listed or quoted,

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and shall be further subject to the approval of counsel for the Corporation with
respect to such compliance to the extent such approval is sought by the
Committee.

18.  GOVERNING LAW

     The validity, construction and effect of the Plan, of Grant Agreements
entered into pursuant to the Plan, and of any rules, regulations, determinations
or decisions made by the Board or Committee relating to the Plan or such Grant
Agreements, and the rights of any and all persons having or claiming to have any
interest therein or thereunder, shall be determined exclusively in accordance
with applicable federal laws and the laws of the State of Maryland without
regard to its conflict of laws rules and principles.

19.  PLAN SUBJECT TO ARTICLES AND BY-LAWS

     This Plan is subject to the Articles and Bylaws of the Corporation, as
they may be amended from time to time.

20.  STOCKHOLDERS AGREEMENT

     The Committee may require as a condition of receiving a stock option grant
that the proposed grantee become a party to a stockholders agreement providing
such restrictions and requirements regarding, and granting the Corporation such
rights of first refusal with respect to, transfers of the Common Stock acquired
under such stock option as the Committee in its sole discretion shall determine
are appropriate. Execution of such stockholders agreement shall be in place of
the requirement of entering that certain stockholders agreement dated January
19, 1999, among the Corporation, certain investors and certain executives.

21.  EFFECTIVE DATE; TERMINATION DATE

     The Plan is effective as of the date on which the Plan was adopted by the
Board (the "Effective Date"); provided that no stock options issued hereunder
shall be treated as incentive stock options, regardless of the designation in
the Grant Agreement, unless the Plan is approved by the shareholders of the
Corporation as provided in Section 6(e)(vi). No Option shall be granted under
the Plan after the close of business on the day immediately preceding the tenth
anniversary of the Effective Date of the Plan. Subject to other applicable
provisions of the Plan, all Options made under the Plan prior to such
termination of the Plan shall remain in effect until such Options have been
satisfied or terminated in accordance with the Plan and the terms of such
Options.

Date Approved by the Board:
                            -------------------------
Date Approved by the Shareholders:
                                   -------------------

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                              THE WHITE HOUSE, INC.
                             1999 STOCK OPTION PLAN

                     FORM OF STOCK OPTION GRANT AGREEMENT

     This Grant Agreement (the "Agreement") is entered into this ____ day of
______________, 200_, by and between The White House, Inc. (the "Corporation"),
a Maryland corporation, and ("Grantee").

     Grantee and the Corporation agree that, until such time as securities
issuable pursuant to the Plan become registered under the Securities Act of
1933, the grant of options hereunder and the purchase and sale of Common Stock
upon exercise thereof are intended to comply with the exemption from
registration provided by Rule 701 of the Securities Act of 1933 and each party
hereto shall use his or its best efforts to comply with such Rule 701. To the
extent that an exemption from registration under the Securities Act provided by
Rule 701 is unavailable, the grant of options hereunder and the sale of Common
Stock upon exercise thereof are intended to be exempt from registration under
the Securities Act in reliance upon the private offering exemption contained in
Section 4(2) of the Securities Act, or other available exemption.

                                    ARTICLE 1
                                 GRANT OF OPTION

     SECTION 1.1 GRANT OF OPTIONS. Subject to the provisions of the Agreement,
and pursuant to the provisions of The White House, Inc. 1999 Stock Option Plan
(the "Plan"), Corporation hereby grants to Grantee, as of the Grant Date
specified in Attachment A, a Stock Option (the "Option") of the type stated in
Attachment A to purchase all or any part of the number of shares of Class A
Common Stock set forth on Attachment A at the exercise price per share ("Option
Price") set forth on Attachment A.

     SECTION 1.2 TERM OF OPTIONS. Unless the Option granted pursuant to Section
1.1 terminates earlier pursuant to other provisions of the Agreement, including
the expiration date specified in Attachment A, the Option shall expire on the
day prior to the tenth (10th) anniversary of its Grant Date.

                                    ARTICLE 2
                                     VESTING

     SECTION 2.1 VESTING SCHEDULE. Unless the Option has earlier terminated
pursuant to the provisions of the Agreement, Grantee shall become vested on the
dates specified on Attachment A in a portion of the Option with respect to a
percentage or number of the underlying shares in accordance with the vesting
schedule specified on Attachment A; provided that Grantee shall have been in the
continuous employ of or affiliation (as a

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Director, subcontractor or outside consultant) with the Corporation from the
Grant Date through any such date.

                                    ARTICLE 3
                               EXERCISE OF OPTION

     SECTION 3.1 EXERCISABILITY OF OPTION. No portion of the Option granted to
Grantee shall be exercisable by Grantee prior to the time such portion of the
Option has vested.

     SECTION 3.2 MANNER OF EXERCISE. The Option may be exercised, in whole or in
part, by delivering written notice to the Committee in the form attached hereto
as Attachment B or in such other form as the Committee may require from time to
time. Such notice shall specify the number of shares of Common Stock subject to
the Option as to which the Option is being exercised, and shall be accompanied
by full payment of the Option Price of the shares of Common Stock as to which
the Option is being exercised. Payment of the Option Price shall be made in cash
(or cash equivalents acceptable to the Committee in the Committee's discretion).
In the Committee's sole and absolute discretion, the Committee may authorize
payment of the Option Price to be made, in whole or in part, by such other means
as the Committee may prescribe. The Option may be exercised only in multiples of
whole shares and no partial shares shall be issued.

     SECTION 3.3 ISSUANCE OF SHARES AND PAYMENT OF CASH UPON EXERCISE. Upon
exercise of the Option, in whole or in part, in accordance with the terms of the
Agreement and upon payment of the Option Price for the shares of Common Stock as
to which the Option is exercised, the Corporation shall issue to Grantee or, in
the event of Grantee's death, to Grantee's executor, personal representative or
the person to whom the Option shall have been transferred by will or the laws of
descent and distribution, as the case may be, the number of shares of Common
Stock so paid for, in the form of fully paid and nonassessable Common Stock. The
stock certificates for any shares of Common Stock issued hereunder shall bear
such legends as the Corporation deems necessary or desirable in connection with
the Securities Act or other rules, regulations or laws.

                                    ARTICLE 4
                            TERMINATION OF EMPLOYMENT

     SECTION 4.1 EARLY EXPIRATION OF UNVESTED PORTION. Any portion of Grantee's
Option that was not vested and exercisable on the date of termination of such
Grantee's employment or affiliation (as a Director, subcontractor or outside
consultant) with the Corporation shall expire and be forfeited as of such date.

     SECTION 4.2 EARLY EXPIRATION OF VESTED PORTION UPON TERMINATION OF
EMPLOYMENT OR AFFILIATION FOR REASON OTHER THAN DEATH OR DISABILITY. Unless the
Option has earlier terminated pursuant to the provisions of the Agreement, the
Option granted to Grantee shall terminate in its entirety, regardless of whether
the Option is vested

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in whole or in part, thirty (30) days after the date Grantee is no longer
employed by, nor affiliated (as a Director, subcontractor or outside consultant)
with, the Corporation for any reason other than Grantee's death or Disability.
Notwithstanding the foregoing, the Option granted to Grantee shall terminate in
its entirety, regardless of whether the Option is vested in whole or in part,
upon the termination of the Grantee's employment or affiliation (as a Director,
subcontractor or outside consultant) with the Corporation by resignation or by
the Corporation for "cause". If Grantee is a party to a written employment
agreement with the Corporation which contains a definition of "cause",
"termination for cause" or any other similar term or phrase, whether such
Grantee is terminated for "cause" pursuant to this Section 4.2 shall be
determined according to the terms of and in a manner consistent with the
provisions of such written employment agreement. If Grantee is not party to such
a written employment agreement with the Corporation, then for purposes of this
Section 4.2, "cause" shall mean the failure by the Grantee to perform his or her
duties as assigned by the Corporation in a reasonable manner; any act by the
Grantee of dishonesty or bad faith with respect to the Corporation; chronic
addiction to alcohol, drugs or other similar substances affecting the Grantee's
work performance; or the commission by the Grantee of any act, misdemeanor, or
crime reflecting unfavorably upon the Grantee or the Corporation. The good faith
determination by the Committee of whether the Grantee's employment was
terminated by the Corporation for "cause" shall be final and binding for all
purposes hereunder.

     SECTION 4.3 EARLY EXPIRATION OF VESTED PORTION UPON TERMINATION OF
EMPLOYMENT OR AFFILIATION BY REASON OF GRANTEE'S DEATH. Unless the Option has
earlier terminated pursuant to the provisions of the Agreement, upon termination
of Grantee's employment or affiliation (as a Director, subcontractor or outside
consultant) with the Corporation by reason of Grantee's death, Grantee's
executor, personal representative or the person to whom the Option shall have
been transferred by will or the laws of descent and distribution, as the case
may be, may exercise all or any part of the vested portion of the Option as of
the date of Grantee's death, provided such exercise occurs within twelve (12)
months after the date Grantee dies, but not later than the end of the stated
term of the Option.

     SECTION 4.4 EARLY EXPIRATION OF VESTED PORTION UPON TERMINATION OF
EMPLOYMENT OR AFFILIATION BY REASON OF DISABILITY. Unless the Option has earlier
terminated pursuant to the provisions of the Agreement, in the event that
Grantee ceases, by reason of Disability, to be an employee of or affiliated (as
a Director, subcontractor or outside consultant) with the Corporation, the
vested portion of the Option as of the date of termination may be exercised in
whole or in part at any time within twelve (12) months after the date of
Disability, but not later than the end of the stated term of the Option. For
purposes of this Agreement, Disability shall be as defined in Code Section
22(e)(3) and shall be determined by the Committee, with its determination on the
matter being final and binding.

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     SECTION 4.5 RIGHT TO PURCHASE OPTION SHARES UPON TERMINATION OF EMPLOYMENT.

     A. REPURCHASE OF OPTION SHARES. If Grantee's employment or affiliation (as
a Director, subcontractor or outside consultant) with the Corporation shall
terminate, including upon Grantee's death, Disability, resignation or
termination with or without cause (the date on which such termination occurs
being referred to as the "Termination Date"), then the Corporation shall have
the option to repurchase all or any part of the shares issued or issuable upon
exercise of Grantee's Option (the "Option Shares"), whether held by Grantee or
by one or more of Grantee's transferees, at the price determined in accordance
with the provisions of Section 4.6 hereof (the "Repurchase Option").

     B. REPURCHASE BY CORPORATION. The Corporation may elect to purchase all or
any portion of the Option Shares by delivery of written notice (the "Repurchase
Notice") to Grantee or any other holders of the Option Shares within 365 days
following termination of Grantee's employment or affiliation with the
Corporation due to death or Disability and within 120 days after termination of
employment or affiliation for any other reason. The Repurchase Notice shall set
forth the number of Option Shares to be acquired from Grantee and such other
holder(s), the aggregate consideration to be paid for such shares and the time
and place for the closing of the transaction. The number of Option Shares to be
repurchased by the Corporation shall first be satisfied to the extent possible
from the Option Shares held by Grantee at the time of delivery of the Repurchase
Notice. If the number of Option Shares then held by Grantee is less than the
total number of Option Shares the Corporation has elected to purchase, then the
Corporation shall purchase the remaining shares elected to be purchased from the
other holders thereof, pro rata according to the number of shares held by each
such holder at the time of delivery of such Repurchase Notice (determined as
close as practical to the nearest whole shares).

     C. CLOSING OF REPURCHASE OF OPTION SHARES. The purchase of Option Shares
pursuant to this Section 4.5 shall be closed at the Corporation's executive
offices within 30 days after the delivery of the Repurchase Notice by the
Corporation. At the closing, the Corporation shall pay the purchase price in the
manner specified in Section 4.6(b) and Grantee and any other holders of Option
Shares being purchased shall deliver the certificate or certificates
representing such shares to the Corporation, accompanied by duly executed stock
powers. The Corporation shall be entitled to receive customary representations
and warranties from Grantee and any other selling holders of Option Shares
regarding the sale of such shares (including representations and warranties
regarding good title to such shares, free and clear of any liens or
encumbrances) and to require all sellers' signatures to be guaranteed by a
national bank or reputable securities broker.

     SECTION 4.6 PURCHASE PRICE FOR OPTION SHARES.

     A. PURCHASE PRICE. The purchase price per share to be paid for the Option
Shares purchased by the Corporation pursuant to Section 4.5 shall be equal to
the Fair Market Value of such Option Shares as of the date of the Repurchase
Notice less any

                                        4
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portion of the exercise price for such Option Shares which has not yet been
paid. For this purpose, the term "Fair Market Value" shall have the same meaning
as is provided in the Plan.

     B. MANNER OF PAYMENT. If the Corporation elects to purchase all or any part
of the Option Shares, including Option Shares held by one or more transferees,
the Corporation shall pay for such shares: (i) first, by certified check or wire
transfer of funds to the extent such payment would not cause the Corporation to
violate any of the laws of the State of Maryland and would not cause the
Corporation to breach any agreement to which it is a party relating to the
indebtedness for borrowed money or other material agreement; and (ii)
thereafter, with a subordinated promissory note of the Corporation. Such
subordinated promissory note shall bear interest at the rate equal to the
applicable federal rate for mid-term debt instruments under Section 1274(d)(1)
of the Code (which shall be payable annually in cash unless otherwise
prohibited), shall have all principal payment due on the fifth anniversary of
the date of issuance and shall be subordinated on terms and conditions
satisfactory to the holders of the Corporation's indebtedness for borrowed
money. In addition, the Corporation may pay the purchase price for such shares
by offsetting amounts outstanding under any indebtedness or obligations owed by
Grantee to the Corporation.

     SECTION 4.7 APPLICABILITY OF THE STOCKHOLDERS AGREEMENT. The parties hereto
acknowledge and agree that Grantee's Option Shares shall be subject to the
following:

     A. RESTRICTIONS ON TRANSFER. Grantee shall not sell, pledge, or otherwise
transfer any interest in any Option Shares, except pursuant to the terms of a
Stockholders Agreement which he or she shall be required to execute as a
condition of receiving this Option.

     B. RIGHT TO PURCHASE OPTION SHARES. Notwithstanding this Section, upon the
termination of Grantee's employment with the Company for any reason, Grantee's
Option Shares (whether held by Grantee or by one or more of Grantee's
transferees) shall be subject to repurchase by the Company pursuant to the terms
of this Agreement.

                                    ARTICLE 5
                                  MISCELLANEOUS

     SECTION 5.1 NON-GUARANTEE OF EMPLOYMENT. Nothing in the Plan or the
Agreement shall be construed as a contract of employment between the Corporation
(or an affiliate) and Grantee, or as a contractual right of Grantee to continue
in the employ of the Corporation or an affiliate, or as a limitation of the
right of the Corporation or an affiliate to discharge Grantee at any time.

     SECTION 5.2 NO RIGHTS OF STOCKHOLDER. Grantee shall not have any of the
rights of a stockholder with respect to the shares of Common Stock that may be
issued upon the

                                        5
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exercise of the Option until such shares of Common Stock have been issued to him
upon the due exercise of the Option.

     SECTION 5.3 NOTICE OF DISQUALIFYING DISPOSITION. If Grantee makes a
disposition (as that term is defined in Section 424(c) of the Code) of any
shares of Common Stock acquired pursuant to the exercise of an Incentive Stock
Option within two (2) years of the Grant Date or within one (1) year after the
shares of Common Stock are transferred to Grantee, Grantee shall notify the
Committee of such disposition in writing.

     SECTION 5.4 WITHHOLDING OF TAXES. The Corporation or any affiliate shall
have the right to deduct from any compensation or any other payment of any kind
(including withholding the issuance of shares of Common Stock) due Grantee the
amount of any federal, state or local taxes required by law to be withheld as
the result of the exercise of the Option or the disposition (as that term is
defined in Section 424(c) of the Code) of shares of Common Stock acquired
pursuant to the exercise of the Option; provided, however, that the value of the
shares of Common Stock withheld may not exceed the statutory minimum withholding
amount required by law. In lieu of such deduction, the Committee may require
Grantee to make a cash payment to the Corporation or an affiliate equal to the
amount required to be withheld. If Grantee does not make such payment when
requested, the Corporation may refuse to issue any Common Stock certificate
under the Plan until arrangements satisfactory to the Committee for such payment
have been made.

     SECTION 5.5 NONTRANSFERABILITY OF OPTION. The Option shall be
nontransferable otherwise than by will or the laws of descent and distribution.
During the lifetime of Grantee, the Option may be exercised only by Grantee or,
during the period Grantee is under a legal disability, by Grantee's guardian or
legal representative.

     SECTION 5.6 AGREEMENT SUBJECT TO CHARTER AND BYLAWS. This Agreement is
subject to the Charter and Bylaws of the Corporation, and any applicable Federal
or state laws, rules or regulations, including without limitation, the laws,
rules, and regulations of the State of Maryland.

     SECTION 5.7 GENDER. As used herein the masculine shall include the feminine
as the circumstances may require.

     SECTION 5.8 HEADINGS. The headings in the Agreement are for reference
purposes only and shall not affect the meaning or interpretation of the
Agreement.

     SECTION 5.9 NOTICES. All notices and other communications made or given
pursuant to the Agreement shall be in writing and shall be sufficiently made or
given if hand delivered or mailed by certified mail, addressed to Grantee at the
address contained in the records of the Corporation, or addressed to the
Committee, care of the Corporation for the attention of its Secretary at its
principal office or, if the receiving party consents in advance, transmitted and
received via telecopy or via such other electronic transmission mechanism as may
be available to the parties.

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<Page>

     SECTION 5.10 ENTIRE AGREEMENT; MODIFICATION. The Agreement contains the
entire agreement between the parties with respect to the subject matter
contained herein and may not be modified, except as provided in the Plan or in a
written document signed by each of the parties hereto.

     SECTION 5.11 CONFORMITY WITH PLAN. This Agreement is intended to conform in
all respects with, and is subject to all applicable provisions of, the Plan,
which is incorporated herein by reference. Unless stated otherwise herein,
capitalized terms in this Agreement shall have the same meaning as defined in
the Plan. Inconsistencies between this Agreement and the Plan shall be resolved
in accordance with the terms of the Plan. In the event of any ambiguity in the
Agreement or any matters as to which the Agreement is silent, the Plan shall
govern including, without limitation, the provisions thereof pursuant to which
the Committee has the power, among others, to (i) interpret the Plan and Grant
Agreements related thereto, (ii) prescribe, amend and rescind rules and
regulations relating to the Plan, and (iii) make all other determinations deemed
necessary or advisable for the administration of the Plan.

     IN WITNESS WHEREOF, the parties have executed the Agreement as of the date
first above written.

ATTEST:                                   THE WHITE HOUSE, INC.

                                          By:
---------------------                     ----------------------------

WITNESS:                                  GRANTEE

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

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                                  ATTACHMENT A

STOCK OPTION GRANTED TO___________________________

TYPE OF OPTION:            ----------------------------------------
                           [INSERT INCENTIVE STOCK OPTION ("ISO")
                           OR NONQUALIFIED STOCK OPTION]

GRANT DATE:                ----------------------------------------

NUMBER AND CLASS
OF SHARES:                 SHARES OF CLASS A COMMON STOCK

EXERCISE PRICE PER SHARE:  ----------------------------------------
                           [IF AN ISO, INSERT A PRICE WHICH IS AT LEAST 100% OF
                           THE FAIR MARKET VALUE, OR FOR A 10% OWNER, AT LEAST
                           110%]

EXPIRATION DATE:           ----------------------------------------
                           [INSERT A DATE THAT IS NO LATER THAN THE
                           10TH ANNIVERSARY OF THE GRANT DATE OR, FOR AN ISO
                           GRANTED TO A 10% OWNER, THE 5TH SUCH ANNIVERSARY]

VESTING SCHEDULE:

1. Twenty percent (20%) of the shares subject to the Option shall be vested on
the first anniversary of the Grant Date; and an additional

2. Twenty percent (20%) of the shares subject to the Option shall be vested on
each succeeding anniversary of the Grant Date.

<Page>

                                  ATTACHMENT B

                                  EXERCISE FORM

The White House, Inc.
7600 Energy Parkway
Baltimore, Maryland 21226
Attn: Compensation Committee

Gentlemen:

     1.   EXERCISE OF OPTION. I hereby exercise the [Insert Type]
______________Stock Option granted to me on ____________________, 2000, by The
White House, Inc. (the "Corporation"), subject to all the terms and provisions
thereof and of The White House, Inc. 1999 Stock Option Plan (the "Plan"), and
notify you of my desire to purchase ____________ shares (the "Shares") of Class
A Common Stock of the Corporation at a price of $___________ per share pursuant
to the exercise of said Option.

     2.   INFORMATION ABOUT THE CORPORATION. I am aware of the Corporation's
business affairs and financial condition and have acquired sufficient
information about the Corporation to reach an informed and knowledgeable
decision to acquire the Shares.

     3.   TAX CONSEQUENCES. I am not relying upon the Corporation for any tax
advice in connection with this option exercise, but rather am relying on my own
personal tax advisors in connection with the exercise of the Stock Option and
any subsequent disposition of the Shares.

     4.   UNREGISTERED SHARES. The following shall apply in the event the Shares
purchased herein are not registered under the Securities Exchange Act of 1933,
as amended:

          (a)  I am acquiring the Shares for my own account for investment with
no present intention of dividing my interest with others or of reselling or
otherwise disposing of any of the Shares.

          (b)  The Shares are being issued without registration under the
Securities Act of 1933, as amended (the "Act"), in reliance upon the exemption
provided by Section 3(b) of the Act for employee benefit plans, contained in
Rule 701 promulgated thereunder, or in lieu thereof upon the private offering
exemption contained in Section 4(2) of the Act, and such reliance is based in
part on the above representation.

          (c)  Since the Shares have not been registered under the Act, they
must be held indefinitely until an exemption from the registration requirements
of the Act is available or they are subsequently registered, in which event the
representation in

<Page>

Paragraph (a) hereof shall terminate. As a condition to any transfer of the
Shares, I understand that the Corporation will require an opinion of counsel
satisfactory to the Corporation to the effect that such transfer does not
require registration under the Act or any state securities law.

          (d)  The issuer is not obligated to comply with the registration
requirements of the Act or with the requirements for an exemption under
Regulation A under the Act for my benefit.

          (e)  The certificates for the shares to be issued to me shall contain
appropriate legends to reflect the restrictions on transferability imposed by
the Act.

Total Amount Enclosed:  $__________

Date:
     ---------------------         -----------------------------------
                                   (Optionee)

                                   Received by The White House, Inc.

                                   On:_________________________, 2000

                                   By:
                                      ----------------------------------

<Page>

                              THE WHITE HOUSE, INC.
                             1999 STOCK OPTION PLAN

                         FORM OF STOCKHOLDERS AGREEMENT

     THIS STOCKHOLDERS AGREEMENT, executed this _____ day of ___________, 200_,
by and among THE WHITE HOUSE, INC., a Maryland corporation (the "Corporation")
and __________________________________ (the "Stockholder"). As used in this
Agreement, the term "Stockholder" shall include the permitted successors,
assigns, transferees (whether by sale, gift, or other disposition), heirs, and
personal representatives of the Stockholder.

     WHEREAS, shares, or option(s) to acquire shares, of the Class A Common
Stock of the Corporation have been issued to the Stockholder pursuant to a grant
agreement executed this date (the "Grant Agreement") issued under The White
House, Inc. 1999 Stock Option Plan (the "Plan"); and

     WHEREAS, the Corporation and the Stockholder desire to assure continuity
and to perpetuate harmony in the Corporation's management, policies and
operations; and

     WHEREAS, the Stockholder and the Corporation deem it in their best
interests to impose certain restrictions and obligations on themselves in order
to effectuate their foregoing purposes.

     NOW, THEREFORE, in consideration of the mutual covenants and agreements set
forth below and other good and valuable consideration, the receipt of which is
hereby acknowledged, it is agreed as follows:

1.   RECITALS. The foregoing recitals and statements are made a part of this
Agreement.

2.   PURCHASE AND SALE.

     (a)  STOCK COVERED. Except as otherwise provided herein, all of the
provisions of this Agreement shall apply to, and the term "Stock" shall include,
any and all shares of Common Stock of the Corporation that are issued (now or in
the future) pursuant to the rights of the Stockholder under the Grant Agreement
and under any other grant agreement issued under the Plan and all other shares
of common stock or other equity securities of the Corporation or any successor
corporation which may be issued hereafter to the Stockholder in consequence of
his ownership of such Common Stock of the Corporation as the result of the
exchange or reclassification of shares, corporate reorganization, or any

<Page>

form of recapitalization, consolidation, merger, share split, share dividend, or
similar event.

     (b)  PURCHASE AND SALE. The Corporation agrees to purchase and redeem, and
the Stockholder agrees to sell and transfer, in the manner and upon the terms
provided in this Agreement, the shares of Stock of the Corporation. No purchase,
sale, gift, endorsement, assignment, transfer, pledge, encumbrance or other
disposition (hereinafter collectively referred to as "Transfer") of any shares
of Stock of the Stockholder shall be valid and binding except as provided in,
and in accordance with, the terms and conditions of this Agreement.

3.   VOLUNTARY TRANSFERS OF STOCK.

     (a)  The Stockholder agrees that, during his lifetime, he will not Transfer
any of his shares of Stock, except (i) upon the conditions set forth in this
Section 3; or (ii) with the prior written consent of the Corporation.

     (b)  OFFER FROM THIRD PARTY. In the event that the Stockholder receives a
bona fide offer from an independent third party capable of consummating such a
sale to purchase all or any of the authorized, issued and outstanding shares of
Stock then registered in such Stockholder's name, such Stockholder shall first
offer in writing (the "Stockholder's Offer") to sell such shares of Stock (the
"Offered Stock") to the Corporation at the price and on the terms of which such
selling Stockholder proposes to transfer the Offered Stock to the proposed third
party transferee. The Stockholder's Offer shall set forth (i) the number of
shares of the Offered Stock, (ii) the name and address of the proposed
transferee, (iii) the amount of consideration to be received by the selling
Stockholder, and (iv) the method of proposed payment. The Corporation shall have
the option to acquire all or any of the shares of Offered Stock at the price and
upon the terms provided in the Stockholder's Offer. The Corporation shall have
the right to exercise its option for a period of ninety (90) days following its
receipt of the Stockholder's Offer by notifying the selling Stockholder in
writing of its intention to purchase at Closing (as defined in Section (e)
hereof) all or any shares of the Offered Stock on the same terms and conditions
set forth in the Stockholder's Offer.

     (c)  TRANSFERS TO THIRD PARTIES. In the event that (i) a Stockholder elects
to transfer all or a portion of his shares of Stock; (ii) said Stockholder
strictly complies with the provisions of Section 3(b); (iii) the Corporation
fails to purchase all of such shares of Offered Stock; and (iv) the Stockholder
who desires to transfer such shares of Stock complies with the terms of this
Section 3(c), then any such shares of Stock which are not so purchased by the
Corporation may be sold by the selling Stockholder to the third party named in
the Stockholder's Offer within a period of ninety (90) days after the expiration
of the ninety (90) day period provided in Section 3(b). Such shares of Offered
Stock may be transferred to the third party named in the Stockholder's Offer
provided that such shares are sold at the price and on the terms set forth in
the Stockholder's Offer. Any

                                       -2-
<Page>

shares of Offered Stock not actually sold or transferred to such third party
by the selling Stockholder within such ninety (90) day period at the price and
on the terms set forth in the Stockholder's Offer shall remain subject to all of
the provisions of this Agreement.

     (d)  SALE OF CORPORATION. Notwithstanding the provisions of this Section 3
to the contrary, the restrictions set forth in this Section 3 shall not apply to
shares of a Stockholder sold or otherwise transferred in connection with (i) the
closing of an underwritten public offering by the Corporation of its Stock or
any other securities pursuant to an effective registration statement under the
Securities Act of 1933, as amended, (ii) a sale of the Corporation as a result
of which more than fifty percent (50%) of the total number of outstanding shares
of its Common Stock is sold, exchanged, conveyed, or otherwise transferred to a
third party in one or a series of related transactions, or (iii) a merger or
consolidation of the Corporation as a result of which the holders of its Common
Stock (immediately prior to such merger or consolidation) hold less than fifty
percent (50%) of the surviving or new entity, as the case may be.

     (e)  CLOSING. Closing on the sale of any shares of Stock sold pursuant to
this Agreement shall, unless otherwise agreed to in writing by the parties, be
held at the principal place of business of the Corporation thirty (30) days from
the date of notice by the Corporation to the Stockholder that it is exercising
an option hereunder to purchase the Stock (the "Closing Date"). At the Closing,
upon payment of the purchase price, the certificates representing the Stock to
be purchased and sold hereunder shall be delivered by the Stockholder to the
Corporation, appropriately endorsed in blank for transfer. If the certificates
representing any shares of Stock to be so transferred have not been surrendered
by the Stockholder, all rights of the holder thereof with respect to said Stock
(including voting rights) nonetheless shall cease and terminate.

4.   DRAG ALONG RIGHTS

     (a)  GENERALLY. If at any time the holder(s) of a majority of the shares of
Common Stock of the Corporation desire to sell, exchange, convey, or otherwise
transfer, in one or a series of related transactions to an independent third
party, all of the outstanding shares of Common Stock of the Corporation
("Selling Stockholder(s)"), then the Selling Stockholder(s) may require the
Stockholder to sell, exchange, convey, or otherwise transfer, and the
Stockholder agrees to sell, exchange, convey, or otherwise transfer all of the
shares of Stock at the same price per share of Common Stock (as set forth below)
and on the same terms and conditions, as received by the Selling Stockholder(s)
from the independent third party for the same class of shares.

     (b) CONDITIONS TO OBLIGATION. The Stockholder's obligation to sell,
exchange, convey or otherwise transfer the Stock under the provisions of this
Section 4 is subject to the requirements that (i) the Selling Stockholder(s)
shall give notice to the Stockholder of such sale, exchange, conveyance, or
transfer at least 30 days prior to the proposed date of

                                       -3-
<Page>

such event, specifying the price and terms upon which shares of Common Stock are
to be sold, exchanged, conveyed, or transferred, and the proposed date of such
event, and (ii) upon the consummation of said sale, exchange, conveyance, or
transfer, the Stockholder will receive the same form and amount of consideration
per share of Common Stock as received by the Selling Stockholder(s) for the same
class of shares, or, if the Selling Stockholder(s) are given an option as to the
form and amount of consideration to be received, the Stockholder will be given
the same option.

5.   MARKET STAND-OFF AGREEMENT. The Stockholder hereby agrees that he or she
shall not, to the extent reasonably requested by the Corporation and an
underwriter of Common Stock (or other securities) of the Corporation, sell or
otherwise transfer or dispose (other than to donees who agree to be similarly
bound) of any Stock during the one hundred eighty (180)-day period following the
effective date of a registration statement of the Corporation filed under the
Securities Act of 1933; provided, however, that such agreement shall be
applicable only to the first such registration statement of the Corporation
which covers shares (or securities) to be sold on its behalf to the public in an
underwritten public offering. Such agreement shall be in writing in a form
satisfactory to the Corporation and such underwriter. In order to enforce the
foregoing covenant, the Corporation may impose stop-transfer instructions with
respect to the Stock of the Stockholder (and the shares or securities of every
other person subject to the foregoing restriction) until the end of such one
hundred eighty (180)-day period.

6.   SEVERABILITY. It is the express intention of the parties that the
agreements contained herein shall have the widest application possible. If any
agreement contained herein is found by a court having jurisdiction to be
unreasonable in scope or character, the agreement shall not be rendered
unenforceable thereby, but rather the scope or character of such agreement shall
be deemed reduced or modified with retroactive effect to render such agreement
reasonable and such agreement shall be enforced as thus modified. If the court
having jurisdiction will not review the agreement, then the parties shall
mutually agree to a revision having an effect as close as permitted by law to
the provision declared unenforceable. The parties further agree that in the
event a court having jurisdiction determines, despite the express intent of the
parties, that any portion of any covenant or agreement contained herein is not
enforceable, the remaining provisions of this Agreement shall nonetheless remain
valid and enforceable.

7.   ENDORSEMENT OF CERTIFICATE. Upon the execution of this Agreement, each
certificate of shares of Stock of the Corporation registered in the name of the
Stockholder and subject hereto shall be endorsed by the Secretary of the
Corporation as follows:

          "This certificate is transferable only upon compliance with the
     provisions of a restrictive Stockholders Agreement, by and among THE WHITE
     HOUSE, INC. and the stockholder, a copy of which is on file in

                                       -4-
<Page>

     the office of the Secretary of the Corporation and is available upon
     request of the stockholder without charge."

8.   TERM. Anything contained herein to the contrary notwithstanding, this
Agreement shall terminate, and all rights and obligations hereunder shall cease
upon the occurrence of any of the following events:

     (a)  The written agreement of each of the then parties hereto;

     (b)  The cessation of the Corporation's business;

     (c)  The bankruptcy, liquidation, receivership, or dissolution of, or
assignment for the benefit of creditors by, the Corporation; or

     (d)  Except as to Section 5 hereof, the consummation of an initial public
offering of the Corporation's Common Stock following the filing of an effective
registration statement with the U.S. Securities and Exchange Commission.

9.   NOTICES. All notices, offers, acceptances, requests and other
communications hereunder shall be in writing and shall be deemed to have been
duly given if delivered or mailed by certified or registered mail to the
Stockholder, at his address on the Corporation records, and to the Corporation
at the Corporation's principal place of business. Any party hereto may change
his or its address for notice by giving notice thereof in the manner hereinabove
provided.

10.  ENTIRE AGREEMENT. This Agreement embodies the entire agreement and
understanding among the parties hereto with respect to the subject matter hereof
and may be amended, modified or canceled only by written agreement of the
parties hereto.

11.  SUCCESSORS. This Agreement shall be binding upon, and inure to the benefit
of, and shall be enforceable by, the heirs, successors, assigns, and personal
representatives of the parties hereto.

12.  GOVERNING LAW. This Agreement shall be governed by, and construed in
accordance with, the laws of the State of Maryland without regard to principles
of conflict of laws. In case any term of this Agreement shall be held invalid,
illegal or unenforceable in whole or in part, neither the validity of the
remaining part of such term nor the validity of the remaining terms of this
Agreement shall in any way be affected thereby. Each of the parties agrees that
he will consent to and approve any amendments of the Charter or By-Laws of the
Corporation which may be necessary or advisable in order to conform any of the
provisions of this Agreement or any amendments hereto to the applicable laws of
the State of Maryland as now or hereafter enacted, including, without
limitation, the Maryland Corporation Law. The Stockholder further agrees to
execute and deliver such

                                       -5-
<Page>

documents as may be necessary in order to implement the provisions of the
preceding sentence.

13.  SPECIFIC PERFORMANCE. Because the shares of Stock cannot be readily
purchased or sold in the open market, irreparable damage would result in the
event this Agreement is not specifically enforced. Therefore, the rights to, or
obligations of, the Corporation shall be enforceable in a court by a decree of
specific performance, and appropriate injunctive relief may be applied for and
granted in connection therewith. Such remedies, and all other remedies provided
for in this Agreement, shall, however, be cumulative and not exclusive and shall
be in addition to any other remedies which any party may have under this
Agreement or otherwise.

14.  COUNTERPARTS. This Agreement may be executed in any number of counterparts,
each of which shall be considered an original and all of which taken together
shall constitute one and the same instrument.

15.  GENDER. The use of the singular shall include the plural, and the use of
the masculine gender shall include the feminine and neutral genders and vice
versa.

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

ATTEST:                       THE WHITE HOUSE, INC.

----------------------------              By:
                                             -------------------------------
                                          Name:
                                               -----------------------------
                                          Title:
                                               -----------------------------

WITNESS:                                  STOCKHOLDER:

----------------------------              ----------------------------
                                          Name:

                                       -6-<Page>

                                                                    Exhibit 10.2

                          FORM OF THE WHITE HOUSE, INC.
                          EMPLOYEE STOCK PURCHASE PLAN

                                    ARTICLE I
                                     PURPOSE

     1.01. PURPOSE. The White House, Inc. Employee Stock Purchase Plan is
intended to provide a method whereby employees of The White House, Inc. (the
"Company") and its subsidiary corporations will have an opportunity to acquire a
proprietary interest in the Company through the purchase of shares of the Common
Stock of the Company. It is the intention of the Company to have the Plan
qualify as an "employee stock purchase plan" under Section 423 of the Internal
Revenue Code of 1986, as amended (the "Code"). The provisions of the Plan shall
be construed so as to extend and limit participation in a manner consistent with
the requirements of that section of the Code.

                                   ARTICLE II
                                   DEFINITIONS

     2.01 BOARD. "Board of Directors" or "Board" means the Board of Directors of
the Company.

     2.02 COMMITTEE. "Committee" means the individuals described in Article XI.

     2.03 COMMON STOCK. "Common Stock" means the common stock of the Company.

     2.04 COVERED COMPENSATION. "Covered Compensation" means the base rate of
compensation of the Employee.

     2.05 DESIGNATED SUBSIDIARY CORPORATION. "Designated Subsidiary Corporation"
means a Subsidiary Corporation that is designated by the Company's Board of
Directors to participate in the Plan.

<Page>

     2.06 EMPLOYEE. "Employee" means any person who is employed by the Company
or a Designated Subsidiary Corporation.

     2.07 SUBSIDIARY CORPORATION. "Subsidiary Corporation" means any present or
future corporation that would be a "subsidiary corporation" of the Company as
that term is defined in Section 424 of the Code.

                                   ARTICLE III
                          ELIGIBILITY AND PARTICIPATION

     3.01 INITIAL ELIGIBILITY. All Employees are eligible to participate
hereunder, commencing on any Offering Commencement Date except for the
following:

          (a)  Employees who have been employed as of the Offering Commencement
Date less than 12 months, or such other period as determined by the Committee
for an Offering not in excess of 2 years;

          (b)  Employees whose customary employment is 20 hours or less per
week; and

          (c)  Employees whose customary employment is for not more than 5
months in any calendar year.

     3.02 COMMENCEMENT OF PARTICIPATION. An eligible Employee may become a
participant by completing an authorization for a payroll deduction on the form
provided by the Company and filing it with the office of the Human Resources
Director of the Company on or before the date set therefor by the Committee,
which date shall be prior to the Offering Commencement Date for the Offering (as
such terms are defined below). Payroll deductions for a participant shall
commence on the applicable Offering Commencement Date when his authorization for
a payroll deduction becomes effective and shall end on the Offering Termination
Date of the Offering to which such authorization is applicable unless sooner
terminated by the participant as provided in Article VIII.

     3.03 RESTRICTIONS ON PARTICIPATION. Notwithstanding any provision of the
Plan to the contrary, no Employee shall be granted an option to participate in
the Plan:

          (a)  if, immediately after the grant, such Employee would own stock,
and/or hold outstanding options to purchase stock, possessing 5% or more of the
total combined voting power or value of all classes of stock of the Company or
any Subsidiary Corporation. (For purposes of this paragraph, the rules of
Section 424(d) of the Code shall apply in determining stock ownership of any
Employee); or

                                       -2-
<Page>

          (b)  that permits his rights to purchase stock under all employee
stock purchase plans of the Company and its Subsidiary Corporations to accrue at
a rate which exceeds $25,000 in fair market value of the stock (determined at
the time such option is granted) for each calendar year in which such option is
outstanding.

     3.04 LEAVE OF ABSENCE. For purposes of participation in the Plan, a person
on leave of absence shall be deemed to be an Employee for the first 90 days of
such leave of absence and such Employee's employment shall be deemed to have
terminated at the close of business on the 90th day of such leave of absence
unless such Employee shall have returned to regular full-time or part-time
employment (as the case may be) prior to the close of business on such 90th day
or return to employment is guaranteed by statute or contract. Termination by the
Company of any Employee's leave of absence, other than termination of such leave
of absence on return to full time or part time employment, shall terminate an
Employee's employment for all purposes of the Plan and shall terminate such
Employee's participation in the Plan and right to exercise any option.

                                   ARTICLE IV
                                    OFFERINGS

     4.01 SEMI-ANNUAL OFFERING PERIODS.

          (a)  Offering Periods. The Plan will be implemented by offerings
("Offerings") in consecutive offering periods, each constituting a six month
period ("Offering Periods"), except for the first Offering Period which may
be a shorter period as described below. Such Offering Periods shall continue
until the termination of the Plan in accordance with Section 12.05. The first
such Offering Period shall be the period beginning on the first day of the
month following the closing of the initial public offering of the Company's
stock or, if later, the first day of the fiscal month of August 2003 and
ending on the last day of the fiscal month of January 2004. (Provided,
however, that the first Offering Period will not begin before the effective
date of the registration statement filed by the Company for the Plan with the
Securities and Exchange Commission.) Subsequent Offering Periods will begin
on the first day of the fiscal months of February and August of each year.

          (b)  Offering Commencement Date. The Offering Commencement Date is the
first day of an Offering Period during which the NASDAQ system is open for
trading.

          (c)  Offering Termination Date. The Offering Termination Date is the
last day of an Offering Period during which the NASDAQ System is open for
trading.

     4.02 REVISED OFFERING PERIODS. In the discretion of the Committee,
semi-annual Offering Periods may be divided into quarterly Offering Periods or
combined into annual Offering Periods. The maximum number of shares available
during an Offering Period under Section 10.01 shall be adjusted appropriately.

                                       -3-
<Page>

                                    ARTICLE V
                               PAYROLL DEDUCTIONS

     5.01 AMOUNT OF DEDUCTION. At the time a participant files his authorization
for payroll deduction, he shall elect to have deductions made from his pay on
each payday during the Offering Period at the rate of 1, 2, 3, 4, 5, 6, 7, 8, 9
or 10% of his Covered Compensation in effect at any such payday.

     5.02 PARTICIPANT'S ACCOUNT. All payroll deductions made for a participant
shall be credited to his account under the Plan. A participant may not make any
separate cash payment into such account.

     5.03 CHANGES IN PAYROLL DEDUCTIONS. A participant may discontinue his
participation in the Plan as provided in Article VIII, but no other change can
be made during an Offering and, specifically, a participant may not alter the
amount of his payroll deductions for that Offering. The payroll deduction form
may provide that it shall continue from Offering Period to Offering Period
unless changed by a participant before the beginning of a subsequent Offering
Period.

     5.04 LEAVE OF ABSENCE. If a participant goes on a leave of absence, such
participant shall have the right to elect: (a) to withdraw the balance in his or
her account pursuant to Section 7.02, (b) to discontinue contributions to the
Plan but remain a participant in the Plan for so long as the individual remains
an Employee, or (c) remain a participant in the Plan for so long as the
individual remains an Employee during such leave of absence, authorizing
deductions to be made from Covered Compensation paid by the Company or its
Designated Subsidiary Corporations to the participant during such leave of
absence.

                                   ARTICLE VI
                               GRANTING OF OPTION

     6.01 NUMBER OF OPTION SHARES. On the Offering Commencement Date of each
Offering, a participating Employee shall be deemed to have been granted a
qualified option to purchase on the Offering Termination Date of such Offering
Period (at the Option Price in Section 6.02) the number of shares of the
Company's Common Stock determined by dividing such Employee's payroll deductions
accumulated during such Offering Period and retained in the participant's
account as of the Offering Termination Date by the applicable Option Price.

     6.02 OPTION PRICE. The Option Price of Common Stock purchased with payroll
deductions made during an Offering Period for a participant therein shall be the
lower of:

                                       -4-
<Page>

          (a)  85% of the closing price of the stock on the Offering
Commencement Date, or (in the event the stock was not traded on such date) the
nearest prior business day on which trading of the Company's Common Stock
occurred on the NASDAQ National Market System; or

          (b)  85% of the closing price of the stock on the Offering Termination
Date, or (in the event the stock was not traded on such date) the nearest prior
business day on which trading of the Company's Common Stock occurred on the
NASDAQ National Market System.

          If the Company's Common Stock is not admitted to trading on the NASDAQ
National Market System on any of the aforesaid dates for which closing prices of
the stock are to be determined, then reference shall be made to the fair market
value of the stock on that date, as determined on such basis as shall be
established or specified for the purpose by the Committee.

                                   ARTICLE VII
                               EXERCISE OF OPTION

     7.01 AUTOMATIC EXERCISE. Unless a participant gives written notice to the
Company as hereinafter provided, his option for the purchase of stock with
payroll deductions made during any Offering will be deemed to have been
exercised automatically on the Offering Termination Date applicable to such
Offering, for the purchase of the number of full shares of Common Stock which
the accumulated payroll deductions in his account at that time will purchase at
the applicable Option Price, subject to the maximum stated in Section 10.01.
Except as provided in Section 7.03, any excess in his account at that time will
be refunded to him.

     7.02 WITHDRAWAL OF ACCOUNT. By written notice to the Human Resources
Director of the Company, at any time prior to the Offering Termination Date
applicable to any Offering, a participant may elect to withdraw all of the
accumulated payroll deductions in his account at such time.

     7.03 FRACTIONAL SHARES. Fractional shares will not be issued under the
Plan. Any accumulated payroll deductions that would have been used to purchase
fractional shares will be carried over and applied to purchase shares in the
succeeding Offering Period, if the Employee elects to participate in such
Offering Period. If not, such excess payroll deductions will be promptly
returned to the Employee.

     7.04 TRANSFERABILITY OF OPTION. During a participant's lifetime, options
held by such participant shall be exercisable only by that participant.

     7.05 DELIVERY OF STOCK. As promptly as practicable after the Offering
Termination Date of each Offering, the Company will deliver to each participant,
as

                                       -5-
<Page>

appropriate, the stock purchased upon exercise of his option or arrange for
such stock to be held in an account maintained by a brokerage firm designated by
the Committee.

                                  ARTICLE VIII
                                   WITHDRAWAL

     8.01 IN GENERAL. As indicated in Section 7.02, a participant may withdraw
payroll deductions credited to his account under the Plan at any time prior to
an Offering Termination Date by giving written notice to the Human Resources
Director of the Company. All of the participant's payroll deductions credited to
his account will be paid to him promptly after receipt of his notice of
withdrawal, and no further payroll deductions will be made from his pay during
such Offering. The Company may, at its option, treat any attempt to borrow by an
Employee on the security of his accumulated payroll deductions as an election,
under Section 7.02, to withdraw such deductions.

     8.02 EFFECT ON SUBSEQUENT PARTICIPATION. A participant's withdrawal from
any Offering will not have any effect upon his eligibility to participate in any
succeeding Offering or in any similar plan which may hereafter be adopted by the
Company.

     8.03 TERMINATION OF EMPLOYMENT. Upon termination of the participant's
employment for any reason, including retirement or death, the payroll deductions
credited to his account will be returned to him, or, in the case of his death,
to the person or persons entitled thereto under Section 12.01.

                                   ARTICLE IX
                                    INTEREST

     9.01 NO PAYMENT OF INTEREST. No interest will be paid or allowed on any
money paid into the Plan or credited to the account of any participating
Employee.

                                    ARTICLE X
                                      STOCK

     10.01 SHARES SUBJECT TO PLAN. The stock subject to the Plan shall be shares
of the Company's Common Stock, which may be (i) authorized but unissued shares,
(ii) treasury shares and/or (iii) shares purchased on the open market by a
broker designated by the Company. The maximum number of shares of Common Stock
which shall be issued under the Plan, subject to adjustment upon changes in
capitalization of the Company as provided in Section 12.04, shall be Twenty
Five Thousand (25,000) shares in each Offering, plus in each Offering
all unissued shares from prior Offerings, whether offered or not, not to exceed
Two Hundred Thousand (200,000) shares for all Offerings. No participant may
purchase more than Five Hundred (500) shares in any one Offering

                                       -6-
<Page>

Period, or such other number of shares determined by the Committee prior to
the respective Offering Commencement Date. If the total number of shares for
which options are exercised on any Offering Termination Date in accordance
with Article VI exceeds the maximum number of shares for the applicable
offering, the Company shall make a pro rata allocation of the shares
available for delivery and distribution in as nearly a uniform manner as
shall be practicable and as it shall determine to be equitable, and the
balance of payroll deductions credited to the account of each participant
under the Plan shall be returned to him as promptly as possible.

     10.02 PARTICIPANT'S INTEREST IN OPTION STOCK. The participant will have no
interest in stock covered by his option until such option has been exercised.

     10.03 ISSUANCE OF STOCK. Stock purchased under the Plan will be issued in
the name of the participant, or, if the participant so directs by written notice
to the Human Resources Director of the Company prior to the Offering Termination
Date applicable thereto, in the names of the participant and one such other
person as may be designated by the participant, as joint tenants with rights of
survivorship or as tenants by the entireties, to the extent permitted by
applicable law.

     10.04 RESTRICTIONS ON EXERCISE. The Board of Directors may, in its
discretion, require as conditions to the exercise of any option that the shares
of Common Stock reserved for issuance upon the exercise of the option shall have
been duly listed, upon official notice of issuance, upon a stock exchange or
NASDAQ, and that either:

          (a)  a registration statement under the Securities Act of 1933, as
amended, with respect to said shares shall be effective, or

          (b)  the participant shall have represented at the time of purchase,
in form and substance satisfactory to the Company, that it is his intention to
purchase the shares for investment and not for resale or distribution.

                                   ARTICLE XI
                                 ADMINISTRATION

     11.01 APPOINTMENT OF COMMITTEE. The Board of Directors shall appoint a
committee (the "Committee") to administer the Plan, which shall consist of
either (a) the full Board of Directors or (b) no fewer than two members of the
Board of Directors.

     11.02 AUTHORITY OF COMMITTEE. Subject to the express provisions of the
Plan, the Committee shall have plenary authority in its discretion to interpret
and construe any and all provisions of the Plan, to adopt rules and regulations
for administering the Plan, and to make all other determinations deemed
necessary or advisable for administering the Plan. The Committee's determination
on the foregoing matters shall be conclusive.

                                       -7-
<Page>

     11.03 RULES GOVERNING THE ADMINISTRATION OF THE COMMITTEE. The Board of
Directors may from time to time appoint members of the Committee in substitution
for or in addition to members previously appointed and may fill vacancies,
however caused, in the Committee. The Committee may select one of its members as
its Chairman and shall hold its meetings at such times and places as it shall
deem advisable and may hold telephonic meetings. A majority of its members shall
constitute a quorum. All determinations of the Committee shall be made by a
majority of its members. The Committee may correct any defect or omission or
reconcile any inconsistency in the Plan, in the manner and to the extent it
shall deem desirable. Any decision or determination reduced to writing and
signed by a majority of the members of the Committee shall be as fully effective
as if it had been made by a majority vote at a meeting duly called and held. The
Committee may appoint a secretary and shall make such rules and regulations for
the conduct of its business as it shall deem advisable.

     11.04 LIMITED LIABILITY; INDEMNIFICATION. To the maximum extent permitted
by applicable law, neither the Company, Board or Committee nor any of its
members shall be liable for any action or determination made in good faith with
respect to this Plan. In addition to such other rights of indemnification that
they may have, the members of the Board and Committee shall be indemnified by
the Company to the maximum extent permitted by applicable law against any and
all liabilities and expenses incurred in connection with their service in
connection with the Plan in such capacity.

                                   ARTICLE XII
                                  MISCELLANEOUS

     12.01 DESIGNATION OF BENEFICIARY. A participant may file a written
designation of a beneficiary who is to receive any Common Stock that has not
been issued or cash which is in the participant's account at the time of the
participant's death. Such designation of beneficiary may be changed by the
participant at any time by written notice to the Human Resources Director of the
Company. Upon the death of a participant and upon receipt by the Company of
proof of identity and existence at the participant's death of a beneficiary
validly designated by him under the Plan, the Company shall deliver such stock
and/or cash to such beneficiary. In the event of the death of a participant and
in the absence of a beneficiary validly designated under the Plan who is living
at the time of such participant's death, the Company shall deliver such stock
and/or cash to the executor or administrator of the estate of the participant,
or if no such executor or administrator has been appointed (to the knowledge of
the Company), the Company, in its discretion, may deliver such stock and/or cash
to the spouse or to any one or more dependents of the participant as the Company
may designate. No beneficiary shall, prior to the death of the participant by
whom he has been designated, acquire any interest in the stock or cash credited
to the participant under the Plan.

     12.02 TRANSFERABILITY. Neither payroll deductions credited to a
participant's account nor any rights with regard to the exercise of an option or
to receive stock under

                                       -8-
<Page>

the Plan may be assigned, transferred, pledged, or otherwise disposed of in any
way by the participant other than by will or the laws of descent and
distribution. Any such attempted assignment, transfer, pledge or other
disposition shall be without effect, except that the Company may treat such act
as an election to withdraw funds in accordance with Section 7.02.

     12.03 USE OF FUNDS. All payroll deductions received or held by the Company
under this Plan may be used by the Company for any corporate purpose and the
Company shall not be obligated to segregate such payroll deductions.

     12.04 ADJUSTMENT UPON CHANGES IN CAPITALIZATION.

          (a) If, while any options are outstanding, the outstanding shares of
Common Stock of the Company have increased, decreased, changed into, or been
exchanged for a different number or kind of shares or securities of the Company
through reorganization, merger, recapitalization, reclassification, stock split,
reverse stock split or similar transaction, appropriate and proportionate
adjustments may be made by the Committee in the number and/or kind of shares
which are subject to purchase under outstanding options and on the option
exercise price or prices applicable to such outstanding options. In addition, in
any such event, the maximum number and/or kind of shares which may be offered in
the Offerings described in Articles IV and Section 10.01 hereof shall also be
proportionately adjusted. No adjustments shall be made for stock dividends. For
the purposes of this Paragraph, any distribution of shares to shareholders in an
amount aggregating 20% or more of the outstanding shares shall be deemed a stock
split and any distributions of shares aggregating less than 20% of the
outstanding shares shall be deemed a stock dividend.

          (b) Upon the dissolution or liquidation of the Company, or upon a
reorganization, merger or consolidation of the Company with one or more
corporations as a result of which the Company is not the surviving corporation,
or upon a sale of substantially all of the property or stock of the Company to
another corporation, the Committee shall take such action as it deems
appropriate and equitable, which action may include, without limitation, one of
the following: (i) refund of payroll deductions for such Offering Period; (ii)
shortening of the Offering Period or (iii) providing that the holder of each
option then outstanding under the Plan will thereafter be entitled to receive at
the next Offering Termination Date upon the exercise of such option for each
share as to which such option shall be exercised, as nearly as reasonably may be
determined, the cash, securities and/or property which a holder of one share of
the Common Stock was entitled to receive upon and at the time of such
transaction. In the event the Plan is continued after such event, the Board of
Directors shall take such steps in connection with such transactions as the
Board shall deem necessary to assure that the provisions of this Section 12.04
shall thereafter be applicable, as nearly as reasonably may be determined, in
relation to the said cash, securities and/or property as to which such holder of
such option might thereafter be entitled to receive.

                                       -9-
<Page>

     12.05 AMENDMENT AND TERMINATION.

          (a) Action by Board. The Board of Directors shall have complete power
and authority to terminate or amend the Plan; provided, however, that the Board
of Directors shall not, without the approval of the stockholders of the Company
(i) increase the maximum number of shares which may be issued under the Plan or
under any Offering (except pursuant to Sections 4.02 and 12.04); or (ii) amend
the requirements as to the class of employees eligible to purchase stock under
the Plan. Upon termination of the Plan during an Offering Period, at the
discretion of the Committee, cash balances in participants accounts may be
refunded or the Offering Termination Date may be accelerated. No termination,
modification, or amendment of the Plan may otherwise, without the consent of an
Employee then having an option under the Plan to purchase stock, adversely
affect the rights of such Employee under such option.

          (b) Automatic Termination. The Plan shall automatically terminate on
the earlier of the day prior to the tenth anniversary of the adoption of the
Plan, or the issuance of the maximum number of shares available under the Plan
pursuant to Section 10.01.

     12.06 TAX WITHHOLDING. At the time an option is exercised or at the time
some or all of the Company's Common Stock issued under the Plan is disposed of,
the participant must make adequate provision for the Company's federal, state,
or other tax withholding obligations, if any, which arise upon the exercise of
the option or the disposition of the Common Stock. At any time, the Company may,
but shall not be obligated to, withhold from the participant's compensation the
amount necessary for the Company to meet applicable withholding obligations.

     12.07 DISQUALIFYING DISPOSITION. The Committee may require that a
participant notify the Company of any disposition of shares of Common Stock
purchased under the Plan within a period of two (2) years subsequent to the
respective Offering Commencement Date or one (1) year from the Offering
Termination Date.

     12.08 EFFECTIVE DATE. The Plan shall become effective as of the date it is
adopted by the Board of Directors, subject to approval by the shareholders of
the Company within 12 months before or after such date. If the Plan is not so
approved, the Plan shall be discontinued, any options that had been issued shall
be considered nonqualified options and any payroll deductions then held by the
Company shall be refunded to the respective Employees.

     12.09 NO EMPLOYMENT RIGHTS. The Plan does not, directly or indirectly,
create in any Employee or class of Employees any right with respect to
continuation of employment by the Company, and it shall not be deemed to
interfere in any way with the Company's right to terminate, or otherwise modify,
an Employee's employment at any time.

                                      -10-
<Page>

     12.10 EXCLUSION FROM RETIREMENT AND FRINGE BENEFIT COMPUTATION. No portion
of the award of options under this Plan, or the proceeds from the sale of stock
purchased under the Plan, shall be taken into account as "wages," "salary" or
"compensation" for any purpose, whether in determining eligibility, benefits or
otherwise, under (i) any pension, retirement, profit sharing or other qualified
or non-qualified plan of deferred compensation, (ii) any employee welfare or
fringe benefit plan including, but not limited to, group insurance,
hospitalization, medical, and disability, or (iii) any form of extraordinary pay
including, but not limited to, bonuses, sick pay and vacation pay.

     12.11 EFFECT OF PLAN. The provisions of the Plan shall, in accordance with
its terms, be binding upon, and inure to the benefit of, all successors of each
Employee participating in the Plan, including, without limitation, such
Employee's estate and the executors, administrators or trustees thereof, heirs
and legatees, and any receiver, trustee in bankruptcy or representative of
creditors of such Employee.

     12.12 EXPENSES. Expenses of administering the Plan shall be borne by the
Company except that, unless determined otherwise by the Committee, brokerage
expenses incurred in connection with the purchase of shares shall be included as
part of the cost of the shares to participating Employees.

     12.13 GOVERNING LAW. The law of the State of Maryland, without regard to
principles of conflict of laws, will govern all matters relating to this Plan,
except to the extent it is superseded by the laws of the United States.

                                      -11-

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