Document:

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                                 EXHIBIT 10.5

                        SELLING STOCKHOLDERS AGREEMENT
                        ------------------------------

     THIS SELLING STOCKHOLDERS AGREEMENT is made this 6/th/ day of June, 2001
(the "Agreement") by and between each of the Selling Stockholders as identified
on Schedule A attached hereto (hereinafter referred to as the "Selling
Stockholders") and U.S. HOME SYSTEMS, INC., a Delaware corporation.

                             W I T N E S S E T H:
                             - - - - - - - - - -

     WHEREAS, U.S. Pawn, Inc., a Colorado corporation ("U.S. Pawn") and U.S.
Remodelers, Inc., a Delaware corporation ("USR") are parties to that certain
Agreement and Plan of Merger dated November 3, 2000 (the "Merger Agreement")
whereby on February 13, 2001 U.S. Pawn acquired USR pursuant to a merger (the
"Merger") and each outstanding share of USR's common stock was converted into
the right to receive a number of shares of U.S. Pawn;

     WHEREAS, U.S. Pawn reincorporated in Delaware by merging with and into its
wholly-owned subsidiary U.S. Home Systems, Inc., a Delaware corporation (the
"Company"), whereby each outstanding share of U.S. Pawn's common stock was
automatically converted into one share of the Company's Common Stock;

     WHEREAS, David L. Stetson was issued 25,000 shares of the Company's Common
Stock as a banking fee for services rendered in connection with the Merger;

     WHEREAS, the Selling Stockholders, except for David L. Stetson, were
shareholders of USR and, pursuant to the terms of the Merger Agreement, acquired
4,045,633 shares of the Company's Common Stock (together with the 25,000 shares
issued to David L. Stetson referred to herein as the "Securities") and each
Selling Stockholder is the beneficial owner of such Securities as identified
next to his name on Schedule A attached hereto; and
                    ----------

     WHEREAS, the Company intends to file a registration statement on Form S-3
with the Securities and Exchange Commission (the "Commission") as soon as
practicable and the Selling Stockholders have advised the Company that all of
the Securities are to be included in such registration statement;

     NOW, THEREFORE, for good and valuable consideration, the receipt and
sufficiency of which is hereby acknowledged, the parties hereto hereby agree as
follows:

     1.   Definitions.  As used in this Agreement, the following terms shall
          -----------
have the meaning set forth below:

          (a)  "Change in Control" shall have the meaning as set forth in
     Section 2(d) of this Agreement.

          (b)  "Commission" shall mean the United States Securities and Exchange
     Commission or any other federal agency at the time administering the
     Securities Act.

SELLING STOCKHOLDERS AGREEMENT-Page 1
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          (c)  "Common Stock" shall mean the Company's Common Stock, par value
     $0.001 per share.

          (d)  "Company" shall mean U.S. Home Systems, Inc., a Delaware
     corporation.

          (e)  "Escrow Agreement" shall mean the escrow agreement executed by
     the Company, USR and the Selling Stockholders, except for David L. Stetson,
     pursuant to the Merger Agreement.

          (f)  "Escrowed Shares" shall mean the shares of the Company's Common
     Stock as defined in the Escrow Agreement and Merger Agreement, and as
     identified on Schedule A.
                   ----------

          (g)  "Exchange Act" shall mean the Securities Exchange Act of 1934, as
     amended, or any similar federal statute, and the rules and regulations of
     the Commission hereunder, all as the same shall be in effect at the time.

          (h)  "Indemnifying Party" shall have the meaning as set forth in
     Section 5 of the Agreement.

          (i)  "Merger Agreement" shall mean the Agreement and Plan of Merger
     executed by U.S. Pawn and USR on November 3, 2000.

          (j)  "Person" shall mean an individual, a corporation, a partnership,
     a limited liability company, a joint venture, a trust, an estate, an
     unincorporated organization, a government and any agency or political
     subdivision thereof.

          (k)  "Registration Expenses" shall mean all expenses incurred in
     effecting the registration, including, without limitation, all registration
     and filing fees, printing expenses, fees and disbursements of counsel for
     the Company, underwriting expenses (other than commissions or discounts),
     expenses of any Company audits incident to or required by any such
     registration and Company expenses of complying with the securities or blue
     sky laws of any jurisdictions (but excluding fees and disbursements of
     counsel and other agents for the selling holders of Registrable
     Securities).

          (l)  "Registration Rights Agreement" shall mean the registration
     rights agreement executed by U.S. Pawn and the shareholders of USR on
     February, 13, 2001.

          (m)  "Registrable Securities" means those Securities identified on
     Schedule A hereto to be included in the registration statement.
     ----------
     Registrable Securities shall not include securities which can be freely
     sold to the public in the United States without registration under the
     Securities Act.  To the extent any securities may be sold pursuant to the
     provisions of Rule 144(k) under the Securities Act, such securities shall
     be deemed capable of being "freely sold to the public" within the meaning
     of this subsection.

          (n)  "Securities Act" shall mean the Securities Act of 1933, as
     amended.

SELLING STOCKHOLDERS AGREEMENT-Page 2
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          (o)  "U.S. Pawn" shall mean U.S. Pawn, Inc, a Colorado corporation,
     the predecessor of the Company.

          (p)  "USR" shall mean U.S. Remodelers, Inc., a Delaware corporation.

     2.   Registration.
          ------------

          (a)  Effective Registration. The Company hereby agrees to file by June
               ----------------------
     30, 2001 or as soon as reasonably practicable, a registration statement on
     Form S-3 with respect to all of the Registrable Securities (the "Shelf
     Registration"). The Company agrees to use its commercially reasonable
     efforts to have the Shelf Registration declared effective as soon as
     reasonably practicable after such filing and to keep the Shelf Registration
     continuously effective (i) for a period of two years following the date on
     which the Shelf Registration is declared effective by the Commission or
     (ii) until all Registrable Securities included in the Shelf Registration
     have been sold by the Selling Stockholders pursuant to the Shelf
     Registration or (iii) until such Registrable Securities can be publicly
     offered and sold without registration under Rule 144(k) or otherwise,
     whichever is earlier.

          (b)  Plan of Distribution.  Upon effectiveness of the Shelf
               --------------------
     Registration, the Registrable Securities may be offered by the Selling
     Stockholders from time to time in open market transactions (which may
     include block transactions), or in private transactions at prices relating
     to prevailing market prices or at negotiated prices. The Selling
     Stockholders may effect such transactions by selling Registrable Securities
     to or through broker-dealers, and such broker-dealers may receive
     compensation in the form of discounts, concessions or commissions from the
     Selling Stockholders and/or the purchasers of Registrable Securities for
     whom such broker-dealers may act as agent or to whom they sell as principal
     or both (which compensation as to a particular broker-dealer might be in
     excess of customary commissions). The Selling Stockholders and any broker-
     dealer acting in connection with the sale of the Registrable Securities
     offered under the Shelf Registration may be deemed to be "underwriters"
     within the meaning of the Securities Act, in which event any discounts,
     concessions or commissions received by them, which are not expected to
     exceed those customary in the types of transactions involved, or any profit
     on resales of the Registrable Securities by them, may be deemed to be
     underwriting commissions or discounts under the Securities Act.

          (c)  Restriction on Sales of Registrable Securities.  Pursuant to
               ----------------------------------------------
     Section  5(f) of the Registration Rights Agreement the Company and the
     Selling Stockholders, except for David L. Stetson, agree that during any
     90-day period after the effective date of the Shelf Registration, the
     Selling Stockholders shall be allowed to sell up to 25% of the Registrable
     Securities owned of record and beneficially by each Selling Stockholder on
     the effective date of the registration statement; provided, however, that
                                                       --------  -------
     none of the Escrowed Shares (as defined in the Merger Agreement and Escrow
     Agreement) shall be sold by the Selling Stockholders until such Escrowed
     Shares shall have been released to the Selling Stockholders pursuant to the
     provisions of the Escrow Agreement. The number of Registrable Securities
     allowed to be sold during any 90-day period shall not be cumulative with
     any Registrable Securities that could have been sold in any prior 90-day

SELLING STOCKHOLDERS AGREEMENT-Page 3
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     period. Except for the Escrowed Shares, the restriction on sales of
     Registrable Securities by the Selling Stockholders in this Section 2 shall
     not apply to any Selling Stockholder who owns of record and beneficially
     50,000 shares or less of Registrable Securities. This restriction on sales
     of Registrable Securities shall terminate on February 13, 2003 or upon a
     Change in Control of the Company, whichever shall first occur, subject to
     the terms of the Escrow Agreement.

          (d)  Change in Control.  A Change in Control will be deemed to have
               -----------------
     occurred for the purposes hereof (i) when a change of stock ownership of
     the Company of a nature that would be required to be reported in response
     to Item 6(e) of Schedule 14A promulgated under the Exchange Act, and any
     successor Item of a similar nature has occurred; or (ii) upon the
     acquisition of beneficial ownership, directly or indirectly, by any person
     (as such term is used in Sections 13(d) and 14(d)(2) of the Exchange Act)
     of securities of the Company representing 50% of more of the combined
     voting power of the Company's then outstanding securities; or (iii) a
     change during any period of twelve (12) consecutive months of a majority of
     the members of the Board of Directors of the Company for any reason, unless
     the election, or the nomination for election by the Company's shareholders,
     of each director was approved by a vote of a majority of the directors then
     still in office who were directors at the beginning of the period; provided
     that a Change in Control will not be deemed to have occurred for purposes
     hereof with respect to any person meeting the requirements of clauses (i)
     and (ii) of Rule 13-d(b)(1) promulgated under the Exchange Act, as amended.

     3.   Registration Procedures.
          -----------------------

          (a)  The Company will use its commercially reasonable efforts to cause
     the Shelf Registration to become effective as quickly as practicable, and,
     in connection therewith, the Company will as expeditiously as possible:

               (i)  notify the Selling Stockholders at any time when a
          prospectus relating to the Registrable Securities is required to be
          delivered under the Securities Act, of the happening of any event as a
          result of which the prospectus included in such registration statement
          contains an untrue statement of a material fact or omits to state any
          fact required to be stated therein and file promptly an appropriate
          supplement or amendment to such prospectus correcting any material
          misstatement or omission;

               (ii) prepare and file with the Commission a registration
          statement with respect to such Registrable Securities and prepare and
          file with the Commission such amendments and post-effective amendments
          to the registration statement as may be necessary to keep the
          registration on Form  S-3 effective for two years to complete the
          proposed distribution; cause the prospectus to be supplemented by any
          required prospectus supplement, and as so supplemented to be filed
          pursuant to Rule 424 under the Securities Act, and to comply fully
          with the applicable provisions of Rules 424 and 430A under the
          Securities Act in a timely manner; and comply with the provisions of
          the Securities Act with respect to the disposition of all securities
          covered by such registration statement during the

SELLING STOCKHOLDERS AGREEMENT-Page 4
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          applicable period in accordance with the intended method or methods of
          distribution by the sellers thereof set forth in such registration
          statement or supplement to the prospectus;

               (iii)  advise the Selling Stockholders promptly and, if requested
          by any Selling Stockholder, confirm such advice in writing, (A) when
          the prospectus or any prospectus supplement or post-effective
          amendment has been filed, and, with respect to the registration
          statement or any post-effective amendment thereto, when the same has
          become effective, (B) of any request by the Commission for amendments
          to the registration statement or amendments or supplements to the
          prospectus or for additional information relating thereto, (C) of the
          issuance by the Commission of any stop order suspending the
          effectiveness of the registration statement under the Securities Act
          or of the suspension by any state securities commission of the
          qualification of the Registrable Securities for offering or sale in
          any jurisdiction, or the initiation of any proceeding for any of the
          preceding purposes, (D) of the existence of any fact or the happening
          of any event that makes any statement of a material fact made in the
          registration statement, the prospectus, any amendment or supplement
          thereto, or any document incorporated by reference therein untrue, or
          that requires the making of any additions to or changes in the
          registration statement or the prospectus in order to make the
          statements therein not misleading. If at any time the Commission shall
          issue any stop order suspending the effectiveness of the registration
          statement or any state securities commission or other regulatory
          authority shall issue an order suspending the qualification or
          exemption from qualification of the Registrable Securities under state
          securities or blue sky laws, the Company shall use its reasonable
          efforts to obtain the withdrawal or lifting of such order at the
          earliest possible time;

               (iv)   furnish to the Selling Stockholders before filing with the
          Commission, copies of the registration statement or any prospectus
          included therein or any amendments or supplements to any such
          registration statement or prospectus (including all documents
          incorporated by reference after the initial filing of such
          registration statement) and consult with the Selling Stockholders
          prior to the filing of such registration statement or prospectus;

               (v)    if requested by any Selling Stockholder, incorporate in
          the registration statement or prospectus, pursuant to a supplement or
          post-effective amendment if necessary, such information as such
          Selling Stockholder may reasonably request to have included therein,
          with respect to the number of Registrable Securities being sold, the
          purchase price being paid therefor and any other terms of the offering
          of the Registrable Securities to be sold in such offering and make all
          required filings of such prospectus supplement or post-effective
          amendment as soon as practicable after the Company is notified of the
          matters to be incorporated in such prospectus supplement or post-
          effective amendment;

               (vi)   furnish to each Selling Stockholder without charge at
          least one copy of the registration statement as first filed with the
          Commission and of each

SELLING STOCKHOLDERS AGREEMENT-Page 5
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          amendment thereto, including all documents and all exhibits
          incorporated therein by reference.

               (vii)  deliver to each Selling Stockholder without charge as many
          copies of the prospectus (including each preliminary prospectus) and
          any amendment or supplement thereto as the Selling Stockholder
          reasonably may request. The Company hereby consents to the use of the
          prospectus and any amendment or supplement thereto by the Selling
          Stockholders, in connection with the offering and the sale of the
          Registrable Securities covered by the prospectus or any amendment or
          supplement thereto;

               (viii)  register or qualify the Registrable Securities, prior to
          any public offering of Registrable Securities, under the securities or
          blue sky laws of such jurisdictions as each Selling Stockholder may
          reasonably request and do any and all other acts or things reasonably
          necessary or advisable to enable the disposition in such jurisdictions
          of the Registrable Securities covered by the registration statement;
          provided, however, that the Company shall not be required to register
          --------  -------
          or qualify as a foreign corporation where it is not now so qualified
          or to take any action that would subject it to the service of process
          in suits or to taxation, other than as to matters and transactions
          relating to the registration statement, in any jurisdiction where it
          is not now so subject;

               (ix)    cooperate with the Selling Stockholders to facilitate the
          timely preparation and delivery of certificates representing
          Registrable Securities to be sold and not bearing any restrictive
          legends; and enable such Registrable Securities to be in such
          denominations and registered in such names as the Selling Stockholders
          or any underwriter may reasonably request prior to any sale of
          Registrable Securities;

               (x)     cause the Registrable Securities covered by such
          registration statement to be registered with or approved by such other
          governmental agencies or authorities as may be necessary by virtue of
          the business and operations of the Company to enable the Selling
          Stockholders to consummate the disposition of the Registrable
          Securities;

               (xi)    enter into such customary agreements (including an
          underwriting agreement in customary form) in order to expedite or
          facilitate the disposition of such Registrable Securities by the
          Selling Stockholders;

               (xii)   make available for inspection by the Selling
          Stockholders, any underwriter participating in any disposition
          pursuant to such registration statement, and any attorney, accountant
          or other agent retained by the Selling Stockholders or underwriter
          (collectively, the "Inspectors"), all financial and other records,
                              ----------
          pertinent corporate documents and properties of the Company
          (collectively, the "Records"), as shall be reasonably necessary to
                              -------
          enable them to exercise their due diligence responsibility, and cause
          the Company's officers, directors and employees to supply all
          information reasonably requested by any

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          such Inspector in connection with such registration statement;
          provided that records which the Company determines, in good faith, to
          --------
          be confidential and which it notifies the Inspectors are confidential
          shall not be disclosed by the Inspectors unless (i) the disclosure of
          such Records is necessary to avoid or correct a misstatement or
          omission in the registration statement or (ii) the release of such
          Records is ordered pursuant to a subpoena or other order from a court
          of competent jurisdiction; provided, further, each Selling Stockholder
                                     --------  -------
          agrees that it will, upon learning that disclosure of such Records is
          sought in a court of competent jurisdiction, give notice to the
          Company and allow the Company, at its expense, to undertake
          appropriate action and to prevent disclosure of the Records deemed
          confidential; and

               (xiii)  use its reasonable efforts to take all other steps
          necessary to effect the registration of the Registrable Securities
          contemplated hereby.

          (b)  Each Selling Stockholder agrees to furnish to the Company such
     information regarding the Selling Stockholder and the distribution of such
     Registrable Securities as requested by the Company and such other
     information as the Company may from time to time reasonably request, and
     each Selling Stockholder shall promptly advise the Company in writing of
     any material changes in the information so supplied by the Selling
     Stockholder.

          (c)  Each Selling Stockholder agrees that upon receipt of any notice
     from the Company of the happening of any event of the kind described in
     Section 3(a)(i) hereof, the Selling Stockholder will forthwith discontinue
     disposition of Registrable Securities pursuant to the registration
     statement covering such Registrable Securities until the Selling
     Stockholder's receipt of the copies of the supplemented or amended
     prospectus contemplated by Section 3(a)(i) hereof and, if so directed by
     the Company, the Selling Stockholder will deliver to the Company all
     copies, other than permanent file copies then in the Selling Stockholder's
     possession, of the prospectus covering such Registrable Securities current
     at the time of receipt of such notice. In the event the Company shall give
     any such notice, the Company shall extend the period during which such
     registration statement shall be maintained effective pursuant to this
     Agreement by the number of days during the period from and including the
     date of the giving of such notice pursuant to Section 3(a)(i) hereof to and
     including the date when the Selling Stockholder shall have been sent the
     copies of the supplemented or amended prospectus contemplated by Section
     3(a)(i) hereof.

          (d)  The Selling Stockholders agree that they will comply with the
     applicable provisions of the Exchange Act and the rules and regulations
     promulgated thereunder in connection with the disposition of the
     Registrable Securities covered by the registration statement, including, as
     applicable, the timely filing of reports with the Commission as required
     under Sections 13 and 16 of the Exchange Act (Schedule 13D, Form 3, Form 4,
     etc.).

     4.   Expenses.  All expenses incident to the Company's performance of,
          --------
or compliance with, this Agreement (except for the fees and expenses of counsel
to the Selling Stockholders

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and special experts retained by the Selling Stockholders in connection with the
registration of the Registrable Securities and underwriting discounts and
commissions and brokerage fees attributable to the sale of Registrable
Securities) including, without limitation, all registration and filing fees,
fees and expenses of compliance with securities or "blue sky" laws (including
fees and disbursements of registrations or exemptions of the Registrable
Securities); the fees and expenses associated with any filing with the National
Association of Securities Dealers, Inc.; messenger and delivery expenses (other
than expenses of deliveries from the Selling Stockholders to the Company); fees
and expenses of counsel for the Company and its independent certified public
accountants (including the expenses of any special audit or "cold comfort"
letters required by or incident to such performance); and the fees and expenses
of any special experts retained by the Company in connection with such
registration (all such expenses being herein called "Registration Expenses"),
shall be borne by the Company.

     5.   Indemnification and Contribution.
          --------------------------------

          (a)  The Company agrees to indemnify and hold harmless the Selling
     Stockholders from and against any and all losses, claims, damages,
     liabilities and expenses arising out of or based upon any untrue statement
     or alleged untrue statement of a material fact contained in any
     registration statement or prospectus (or any amendment or supplement
     thereto), or arising out of or based upon any omission or alleged omission
     to state therein a material fact required to be stated therein or necessary
     to make the statements therein not misleading, except insofar as such
     losses, claims, damages, liabilities or expenses arise out of, or are based
     upon, any untrue statement or omission or alleged untrue statement or
     omission which has been made therein or omitted therefrom in reliance upon
     and in conformity with the information relating to the Selling Stockholders
     furnished in writing to the Company by each Selling Stockholder expressly
     for use in connection therewith.

          (b)  If any action, suit or proceeding shall be brought against a
     Selling Stockholder in respect of which indemnity may be sought against the
     Company, the Selling Stockholder shall promptly notify the parties against
     whom indemnification is being sought (collectively the "Indemnifying
                                                             ------------
     Parties" and each an "Indemnifying Party"), and such Indemnifying Parties
     -------               ------------------
     shall assume the defense thereof, including the employment of counsel and
     payment of all fees and expenses; provided, however, that failure to so
                                       --------  -------
     notify an Indemnifying Party shall not relieve such Indemnifying Party from
     any liability unless and to the extent it is prejudiced as a result of such
     failure.  The Selling Stockholder shall have the right to employ separate
     counsel in any such action, suit or proceeding and to participate in the
     defense thereof, but the fees and expenses of such counsel shall be at the
     expense of the Selling Stockholder unless (i) the Indemnifying Parties have
     agreed in writing to pay such fees and expenses, (ii) the Indemnifying
     Parties have failed to assume the defense and employ counsel, or (iii) the
     named parties to any such action, suit or proceeding (including any
     impleaded parties) include the Selling Stockholder and the Selling
     Stockholder shall have been advised in writing by its counsel that
     representation of such indemnified party and any Indemnifying Party by the
     same counsel would be inappropriate under applicable standards of
     professional conduct (whether or not such representation by the same
     counsel has been proposed) due to actual or potential differing interests
     between them (in which case the

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     Indemnifying Party shall not have the right to assume the defense of such
     action, suit or proceeding on behalf of the Selling Stockholder). It is
     understood, however, that the Indemnifying Parties shall, in connection
     with any one such action, suit or proceeding or separate but substantially
     similar or related actions, suits or proceedings in the same jurisdiction
     arising out of the same general allegations or circumstances, be liable for
     the reasonable fees and expenses of only one separate firm of attorneys (in
     addition to any local counsel) at any time for the Selling Stockholder not
     having actual or potential differing interests with the remaining Selling
     Stockholders or among themselves, which firm shall be designated in writing
     by the Selling Stockholders, and that all such fees and expenses shall be
     reimbursed as they are incurred. The Indemnifying Parties shall not be
     liable for any settlement of any such action, suit or proceeding effected
     without their written consent, but if settled with such written consent, or
     if there be a final judgment for the plaintiff in any such action, suit or
     proceeding, the Indemnifying Parties agree to indemnify and hold harmless
     the Selling Stockholders, to the extent provided in paragraph (a) hereof,
                                                         -------------
     from and against any loss, claim, damage, liability or expense by reason of
     such settlement or judgment.

          (c)  The Selling Stockholders, severally and not jointly, agrees to
     indemnify and hold harmless the Company, and its directors and officers,
     and any Person who controls the Company within the meaning of Section 15 of
     the Securities Act or Section 20 of the Exchange Act to the same extent as
     the indemnity from the Company to the Selling Stockholders set forth in
     paragraph (a) hereof, but only with respect to information relating to the
     -------------
     Selling Stockholders furnished in writing by or on behalf of the Selling
     Stockholder expressly for use in the registration statement or prospectus;
     provided, however that the Selling Stockholder shall not be liable for any
     --------  -------
     claims hereunder in an amount in excess of the net proceeds received by the
     Selling Stockholder from the sale of the Registrable Securities pursuant to
     the registration statement.  If any action, suit or proceeding shall be
     brought against the Company, any of its directors or officers, or any such
     controlling Person based on the registration statement or prospectus, and
     in respect of which indemnity may be sought against a Selling Stockholder
     pursuant to this paragraph (c), the Selling Stockholder shall have the
                      -------------
     rights and duties given to the Company by paragraph (b) above (except that
                                               -------------
     if the Company shall have assumed the defense thereof the Selling
     Stockholder shall not be required to do so, but may employ separate counsel
     therein and participate in the defense thereof, but the fees and expenses
     of such counsel shall be at the expense of the Selling Stockholder), and
     the Company, its directors and officers, and any such controlling Person
     shall have the rights and duties given to the Selling Stockholders by
     paragraph (b) above.
     -------------

          (d)  If the indemnification provided for in this Section 5 is
                                                           ---------
     unavailable (except if inapplicable according to its terms) to an
     indemnified party under paragraphs (a) or (c) hereof in respect of any
                             --------------    ---
     losses, claims, damages, liabilities or expenses referred to therein, then
     an Indemnifying Party, in lieu of indemnifying such indemnified party,
     shall contribute to the amount paid or payable by such indemnified party as
     a result of such losses, claims, damages, liabilities or expenses (i) in
     such proportion as is appropriate to reflect the relative benefits received
     by the Company, on the one hand, and the Selling Stockholders, on the other
     hand, from their sale of Registrable Securities (it being expressly
     understood and agreed that the relative benefits received by the Company
     from

SELLING STOCKHOLDERS AGREEMENT-Page 9
------------------------------
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     the sale of the Registrable Securities shall be equal to the amount of net
     proceeds initially received by USR from the sale of the Registrable
     Securities to the Selling Stockholders), or (ii) if the allocation provided
     by clause (i) above is not permitted by applicable law, in such proportion
        ----------
     as is appropriate to reflect not only the relative benefits referred to in
     clause (i) above but also the relative fault of the Company, on the one
     ----------
     hand, and the Selling Stockholders, on the other hand, in connection with
     the statements or omissions that resulted in such losses, claims, damages,
     liabilities or expenses, as well as any other relevant equitable
     considerations. The relative fault of the Company, on the one hand, and
     that of the Selling Stockholders, on the other hand, shall be determined by
     reference to, among other things, whether the untrue or alleged untrue
     statement of a material fact or the omission or alleged omission to state a
     material fact relates to information supplied by the Company, on the one
     hand, or by the Selling Stockholders, on the other hand, and the parties'
     relative intent, knowledge, access to information and opportunity to
     correct or prevent such statement or omission.

          (e)  The Company and the Selling Stockholders agree that it would not
     be just and equitable if contribution pursuant to this Section 5 were
                                                            ---------
     determined by a pro rata allocation or by any other method of allocation
     that does not take account of the equitable considerations referred to in
     paragraph (d) above. The amount paid or payable by an indemnified party as
     -------------
     a result of the losses, claims, damages, liabilities and expenses referred
     to in paragraph (d) above shall be deemed to include, subject to the
           -------------
     limitations set forth above, any legal or other expenses reasonably
     incurred by such indemnified party in connection with investigating any
     claim or defending any such action, suit or proceeding. Notwithstanding the
     provisions of this Section 5, each Selling Stockholder shall not be
                        ---------
     required to contribute any amount in excess of the amount by which the net
     proceeds received by him in connection with the sale of the Registrable
     Securities exceeds the amount of any damages which the Selling Stockholders
     has otherwise been required to pay by reason of such untrue or alleged
     untrue statement or omission or alleged omission. No person guilty of
     fraudulent misrepresentation (within the meaning of Section 11(f) of the
     Securities Act) shall be entitled to contribution from any person who was
     not guilty of such fraudulent misrepresentation.

          (f)  The indemnity and contribution agreements contained in this
     Section 5 and the representations and warranties of the Company set forth
     ---------
     in this Agreement shall remain operative and in full force and effect,
     regardless of any investigation made by or on behalf of the Selling
     Stockholders or the Company, its directors or officers or any Person
     controlling the Company. A successor to a Selling Stockholder, or to the
     Company, its directors or officers or any Person controlling the Company
     shall be entitled to the benefits of the indemnity, contribution and
     reimbursement agreements contained in this Section 5.
                                                ---------

          (g)  No Indemnifying Party shall, without the prior written consent of
     the indemnified party, effect any settlement of any pending or threatened
     action, suit or proceeding in respect of which any indemnified party is or
     could have been a party and indemnity could have been sought hereunder by
     such indemnified party, unless such settlement includes an unconditional
     release of such indemnified party from all liability on claims that are the
     subject matter of such action, suit or proceeding.

SELLING STOCKHOLDERS AGREEMENT-Page 10
------------------------------
<PAGE>

     6.   Miscellaneous.
          -------------

          (a) Assignment.  This Agreement may not be assigned by any of the
              ----------
     parties hereto.

          (b) Entire Agreement.  This Agreement, including all exhibits and
              ----------------
     other instruments or documents referred to herein or delivered pursuant
     hereto which form a part hereof, contains the entire understanding of the
     parties hereto in respect of the subject matter contained herein.  There
     are no representations, warranties, promises, covenants or undertakings
     other than those expressly set forth herein or therein.  Except for the
     Registration Rights Agreement and Escrow Agreement, this Agreement
     supersedes all prior agreements, whether written or oral, between the
     parties with respect to the subject matter hereof.  This Agreement may be
     amended only by a written agreement duly executed by the parties hereto.
     Any condition to a particular party's obligations hereunder may be waived
     in writing by such party.

          (c) Headings.  The headings contained in this Agreement have been
              --------
     inserted for convenience and reference purposes only and shall not affect
     the meaning or interpretation hereof in any manner whatsoever.

          (d) Invalidity.  If any of the terms, provisions or conditions
              ----------
     contained in this Agreement shall be declared to be invalid or void in any
     judicial proceeding, this Agreement shall be honored and enforced to the
     extent of its validity, and those provisions not declared invalid shall
     remain in full force and effect.

          (e) Remedies.  In the event of a breach or threatened breach by either
              --------
     party of its obligations hereunder, each party acknowledges that the other
     party will not have an adequate remedy at law and shall be entitled to such
     equitable and injunctive relief as may be available to restrain the other
     party from any violation of such obligations.  Nothing herein shall be
     construed as prohibiting either party from pursuing any other remedies
     available for such breach or threatened breach, including the recovery of
     damages.

          (f) Disclosure.  Any disclosure made in any exhibit hereto shall be
              ----------
     deemed to be disclosure in all other applicable exhibits hereto.

          (g) Notices.  All notices, requests, demands and other communications
              -------
     required or permitted to be given hereunder shall be deemed given when
     sent, postage paid, by Registered or Certified Mail, Return Receipt
     Requested, addressed to each of the parties as follows:

SELLING STOCKHOLDERS AGREEMENT - Page 11
------------------------------
<PAGE>

     If to the Company:       Murray H. Gross
                              President
                              U.S. Home Systems, Inc.
                              750 State Hwy. 121 Bypass, Suite 170
                              Lewisville, Texas 75067
                              (214) 488-6300

     If to a Selling Stockholder:  At the address as set forth on Schedule A
                                                                  ----------

          (h) Governing Law.  This Agreement shall be governed by, construed and
              -------------
     enforced in accordance with the laws of the State of Texas.

          (i) Counterparts.  This Agreement may be executed in counterparts each
              ------------
     of which shall be deemed an original and all of which together shall
     constitute one and the same agreement.

          (j) Exhibits.  All exhibits referred to herein shall be attached
              --------
     hereto and shall be deemed to be a part hereof.

          (k) Jurisdiction and Venue.  Each of the parties hereto hereby
              ----------------------
     consents to the jurisdiction and venue of the courts of the State of Texas
     located in Dallas County, Texas and the United States District Court in and
     for the Northern District of Texas with respect to any matter relating to
     this Agreement and the performance of the parties' obligations hereunder
     and each of the parties hereto hereby further consents to the personal
     jurisdiction of such courts.  Any action suit or proceeding brought by or
     on behalf of either of such parties relating to such matters shall be
     commenced, pursued, defended and resolved only in such courts and any
     appropriate appellate court having jurisdiction to hear an appeal from any
     judgment entered in such courts.  The parties hereby agree that service of
     process may be made in any manner permitted by the rules of such courts and
     the laws of the State of Texas.

     IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of
the day and year first above written.

                                             U.S. HOME SYSTEMS, INC.

                                             By:  /s/ Murray H. Gross
                                                  ------------------------------
                                                  Murray H. Gross, President

SELLING STOCKHOLDERS AGREEMENT - Page 12
------------------------------
<PAGE>

                                             SELLING STOCKHOLDERS:

                                             ABOUT FACE LTD., a Texas Ltd.
                                             Partnership GP About Face, Inc., a
                                             Texas Corporation
                                             Its General Partner

                                             By:    /s/ Murray H. Gross
                                                --------------------------------
                                             Name: Murray H. Gross
                                             Its:  President

                                                    /s/ Marc Beresin
                                             -----------------------------------
                                             MARC BERESIN

                                                  /s/ Gusti -Gross Blumenthal
                                             -----------------------------------
                                             GUSTI-GROSS BLUMENTHAL

                                                    /s/ Peter T. Bulger
                                             -----------------------------------
                                             PETER T. BULGER

                                                    /s/ Robert A. DeFronzo
                                             -----------------------------------
                                             ROBERT A. DEFRONZO

                                                    /s/ Joanne Feeney
                                             -----------------------------------
                                             JOANNE FEENEY

                                                    /s/ David Moore
                                             -----------------------------------
                                             DAVID MOORE

                                             GARDEN STATE EXTERIOR REMODELING,
                                             INC.

                                             By:    /s/ David Moore
                                                --------------------------------
                                             Name: David Moore
                                             Its:  Chairman and Chief Executive
                                                   Officer

                                                    /s/ Sidney Gluck
                                             -----------------------------------
                                             SIDNEY GLUCK

SELLING STOCKHOLDERS AGREEMENT - Page 13
------------------------------
<PAGE>

                                             GROSS FAMILY TRUST

                                             By:    /s/ Steven L. Gross
                                                --------------------------------
                                             Name: Steven L. Gross
                                             Its:  Co-Trustee

                                                    /s/ Malcolm Harris
                                             -----------------------------------
                                             MALCOLM HARRIS

                                             ALI HONIGSFELD TRUST

                                             By:    /s/ Mark Honisfeld
                                                --------------------------------
                                             Name:  Mark Honigsfeld
                                             Its:   Trustee

                                             AVI HONIGSFELD TRUST

                                             By:    /s/ Mark Honisfeld
                                                --------------------------------
                                             Name:  Mark Honigsfeld
                                             Its:   Trustee

                                             DAHLIA HONIGSFELD TRUST

                                             By:    /s/ Mark Honisfeld
                                                --------------------------------
                                             Name:  Mark Honigsfeld
                                             Its:   Trustee

                                             EVAN HONIGSFELD TRUST

                                             By:    /s/ Mark Honisfeld
                                                --------------------------------
                                             Name:  Mark Honigsfeld
                                             Its:   Trustee

SELLING STOCKHOLDERS AGREEMENT - Page 14
------------------------------
<PAGE>

                                             MARK HONIGSFELD REVOCABLE LIVING
                                             TRUST

                                             By:    /s/ Mark Honisfeld
                                                --------------------------------
                                             Name: Mark Honigsfeld
                                             Its:  Trustee

                                                    /s/ Paul Kalisz
                                             -----------------------------------
                                             PAUL KALISZ

                                                    /s/ Gregory F. Kiernan
                                             -----------------------------------
                                             GREGORY F. KIERNAN

                                             KIERNAN FAMILY TRUST

                                             By:    /s/ Vera H. Kiernan
                                                --------------------------------
                                             Name: Vera H. Kiernan
                                             Its:  Trustee

                                                    /s/ David Silverman
                                             -----------------------------------
                                             DAVID SILVERMAN

                                                    /s/ Lynne Tarnopol
                                             -----------------------------------
                                             LYNNE TARNOPOL

                                                    /s/ Stephen Thompson
                                             -----------------------------------
                                             STEPHEN THOMPSON

                                                    /s/ David Vargas
                                             -----------------------------------
                                             DAVID VARGAS

                                                    /s/ Ronald I. Wagner
                                             -----------------------------------
                                             RONALD I. WAGNER

SELLING STOCKHOLDERS AGREEMENT - Page 15
------------------------------
<PAGE>

                                             DAVID A. YOHO REVOCABLE TRUST

                                             By:    /s/ David A. Yoho
                                                --------------------------------
                                             Name: David A. Yoho
                                             Its:  Trustee

                                                    /s/ David L. Stetson
                                             -----------------------------------
                                             DAVID L. STETSON

SELLING STOCKHOLDERS AGREEMENT - Page 16
------------------------------
<PAGE>

                                  SCHEDULE A
                                  ----------

                            U.S. HOME SYSTEMS, INC.
                            -----------------------

                           SELLING STOCKHOLDERS LIST

<TABLE>
<CAPTION>
                                                                                            Percentage of Shares     Escrowed Shares
                                                                                              of the Company's         Included in
                                                                        Registrable          Common Stock Being        Registrable
  Name of Selling Stockholder    Address of Selling Stockholder         Securities               Registered            Securities
------------------------------   ------------------------------        ------------         --------------------     --------------
<S>                              <C>                                  <C>                   <C>                       <C>
About Face Limited               127 Natches Trace                         640,300                   13.1%                64,030
                                 Coppell, Texas 75019

Marc Beresin                     2400 NW 63rd Street                        68,776                    1.4%                 6,878
                                 Boca Raton, Florida 33496

Gusti Gross-Blumenthal           Seacoast East                             182,054                    3.7%                18,205
                                 5161 Collins Avenue, Apt. 602
                                 Miami Beach, Florida 33140

Peter T. Bulger                  5973 Temple Drive                         266,041                    5.4%                26,604
                                 Plano, Texas 75093

Robert A. DeFronzo               3505 Windsor Forest Drive                  44,939                    0.9%                 4,494
                                 Grapevine, Texas 76051

Joann Feeney                     1775 F Linton Lakes Blvd.                   6,878                    0.1%                   688
                                 Delray Beach, Florida 33445

David L. Moore                   217 Highland Parkway                      232,118                    4.7%                23,212
                                 Roselle, New Jersey 07203

Garden State Exterior            217 Highland Parkway                      103,164                    2.1%                10,316
Remodeling, Inc.                 Roselle, New Jersey 07203

Sidney Gluck                     T. Gluck & Co.                             90,143                    1.8%                 9,014
                                 15 West 47th, 9th Floor
                                 New York, New York 10036
</TABLE>

SELLING STOCKHOLDERS AGREEMENT - Page 17
------------------------------
<PAGE>

<TABLE>
<CAPTION>
                                                                                            Percentage of Shares     Escrowed Shares
                                                                                              of the Company's         Included in
                                                                        Registrable          Common Stock Being        Registrable
  Name of Selling Stockholder    Address of Selling Stockholder         Securities               Registered            Securities
------------------------------   ------------------------------        ------------         --------------------     --------------
<S>                              <C>                                  <C>                   <C>                       <C>
Gross Family Trust               21485 Halstead Drive                      203,839                    4.2%                20,384
                                 Boca Raton, Florida 33428

Malcolm Harris                   11235 Laurel Road                          77,130                    1.6%                 7,713
                                 New Kent, Virginia 23124-2600

Mark Honigsfeld Revocable Trust  969 East End Avenue                       279,149                    5.7%                27,915
                                 Woodmere, New York 11598

Ali Honigsfeld Trust             969 East End Avenue                        30,342                    0.6%                 3,034
                                 Woodmere, New York 11598

Avi Honigsfeld Trust             969 East End Avenue                        30,342                    0.6%                 3,034
                                 Woodmere, New York 11598

Dahlia Honigsfeld Trust          969 East End Avenue                        30,342                    0.6%                 3,034
                                 Woodmere, New York 11598

Evan Honigsfeld Trust            969 East End Avenue                        30,342                    0.6%                 3,034
                                 Woodmere, New York 11598

Paul Kalisz                      2810 Sausalito Drive                        6,878                    0.1%                   688
                                 Carrollton, Texas 75007

Kiernan Family Trust             358 Saw Mill River Road                   257,909                    5.3%                25,791
                                 Millwood, New York 10546

David Silverman                  71 SW 9th Avenue                            5,158                    0.1%                   516
                                 Boca Raton, Florida 33486

Gregory F. Kiernan               358 Saw Mill River Road                   232,118                    4.7%                23,212
                                 Millwood, New York 10546

Lynne Tarnopol                   217 Highland Parkway                      206,327                    4.2%                20,633
                                 Roselle, New Jersey 07203

Stephen Thompson                 409 Ivan Drive                              6,878                    0.1%                   688
                                 Lewisville, Texas 75067
</TABLE>

SELLING STOCKHOLDERS AGREEMENT - Page 18
------------------------------
<PAGE>

<TABLE>
<CAPTION>
                                                                                            Percentage of Shares     Escrowed Shares
                                                                                              of the Company's         Included in
                                                                        Registrable          Common Stock Being        Registrable
  Name of Selling Stockholder    Address of Selling Stockholder         Securities               Registered            Securities
------------------------------   ------------------------------        ------------         --------------------     -------------
<S>                              <C>                                   <C>                  <C>                      <C>
David Vargas                     110 F3 Half Moon Bay                        6,878                    0.1%                   688
                                 Hypoluxo, Florida 33462

David A. Yoho Revocable Trust    10803 West Main Street                    309,491                    6.3%                30,949
                                 Fairfax, Virginia 22030

Ronald I. Wagner                 45 Masland Circle                         698,097                   14.2%                69,810
                                 Dallas, Texas 75230

David L. Stetson                 c/o Donald & Co.                           25,000                    0.5%                    -0-
                                 990 Stewart Avenue, Sixth Floor
                                 Garden City, New York 11530
                                                                      -------------         --------------           -----------
         TOTAL                                                           4,070,633                   82.8%               404,564
</TABLE>

SELLING STOCKHOLDERS AGREEMENT - Page 19
------------------------------ODYSSEY RE HOLDINGS CORP.
                                 (NON-QUALIFIED)
                          EMPLOYEE SHARE PURCHASE PLAN

              1. Purpose. The purpose of the Odyssey Re Holdings Corp.
(Non-Qualified) Employee Share Purchase Plan, as amended from time to time (the
"Plan"), is to provide eligible employees with an opportunity to purchase Shares
(as such term is defined below) through payroll deductions and employer
contributions. It is the intention of Odyssey Re Holdings Corp., a Delaware
corporation, and any successor thereto (the "Company") that the Plan shall not
qualify as an "Employee Stock Purchase Plan" under Section 423 of the U.S.
Internal Revenue Code of 1986, as amended (the "Code"). Participation in the
Plan will provide eligible employees who wish to acquire an interest in the
Company with a method of doing so which is both convenient and, by virtue of
employer contributions, favorable to the employees. It is believed that employee
participation in ownership of the Shares on this basis will be to the mutual
benefit of the employees and the Participating Companies (as such term is
defined below).

              2. Definitions and Rules of Construction.

              (a) Definitions. For purposes of the Plan, the following
capitalized words shall have the meanings set forth below:

              "Account" means a separate record keeping account that the
         Administrator maintains for each Participant for the credit of
         Participant Contributions, Company Contributions, Shares purchased
         therefrom and dividends received in respect of Shares.

              "Administrator" means the Company, or such other entity as may be
         designated from time to time by the Board to administer the Plan.

              "Board" means the Board of Directors of the Company.

              "Company" includes, except in these definitions, if and to the
         extent applicable, a Participating Company.

              "Company Contributions" means the contributions of the Company to
         the Plan provided for in Section 6.

              "Custodian" means an independent custodian designated by the
         Administrator in its sole discretion.

              "Earnings" means a Participant's amount of base salary paid in
         each payroll period before giving effect to any salary reduction
         agreement pursuant to a qualified cash or deferred arrangement within
         the meaning of Section 401(k) of the Code or to any similar reduction
         agreement pursuant to any cafeteria plan (within the meaning of Section
         125 of the Code).

<PAGE>

              "Earnings Percentage" means a percentage, which may be any integer
         from 1 to 10 inclusive, which is the percentage of a Participant's
         Earnings that the Company will deduct as Participant Contributions.

              "Effective Date" means June 15, 2001.

              "Employee" means any individual who is employed on a full-time
         basis by a Participating Company, as determined by the Administrator,
         and any other individual designated by the Administrator who is
         employed on a regular basis by a Participating Company.

              "Month" means a calendar month.

              "Participant" means an Employee who has elected to participate in
         the Plan pursuant to the provisions of Section 4, who has completed his
         Probationary Period and who has not withdrawn from the Plan.

              "Participant Contributions" means the contributions of
         Participants to the Plan pursuant to the provisions of Section 5.

              "Participating Companies" means and includes the Company and any
         Subsidiary that has elected to participate in the Plan with the consent
         of the Company.

              "Probationary Period" means, unless determined otherwise by the
         Administrator in its sole discretion, the period commencing on an
         Employee's date of hire and ending on the 12-month anniversary of such
         Employee's date of hire.

              "Restricted Period" means, with respect to any Shares, the period
         of time during which a Share is subject to restrictions on transfer as
         set forth in Section 10.

              "Shares" means the common stock of the Company, par value $.01 per
         share.

              "Subsidiary" means any (i) corporation if fifty percent (50%) or
         more of the total combined voting power of all classes of stock is
         owned, either directly or indirectly, by the Company or another
         Subsidiary or (ii) limited liability company if fifty percent (50%) or
         more of the membership interests is owned, either directly or
         indirectly, by the Company or another Subsidiary.

              "Transfer" means to sell, assign, transfer, pledge or otherwise
         dispose of, or encumber, any Share.

              "Withdrawal Notice Period" means the period from January 1 to the
         last day of February in each year.

              "Year" or "Plan Year" means the calendar year; provided, however,
         that for purposes of this Plan, the period between the Effective Date
         and December 31, 2001 shall also be a Year and a Plan Year.

                                       2
<PAGE>

              (b) Rules of Construction. The masculine pronoun shall be deemed
to include the feminine pronoun and the singular form of a word shall be deemed
to include the plural form, unless the context requires otherwise. Unless the
text indicates otherwise, references to "Sections" are to sections of the Plan.

              3. Eligibility. Each Employee who has completed his Probationary
Period shall be eligible to participate in the Plan. Subject to the satisfaction
of Section 4, an Employee shall be eligible to participate in the Plan
commencing in the first payroll period which falls entirely outside his
Probationary Period.

              4. Participation.

              (a) Each Employee may elect to participate in the Plan by
submitting a complete enrollment form (as approved by the Administrator from
time to time) to the Administrator, indicating his desired Earnings Percentage.
Such election shall not be effective with respect to any payroll period unless
such form is received at least ten (10) days prior to the commencement of such
payroll period. Any such election shall remain in effect until it is changed or
revoked by the Participant.

              (b) Unless otherwise determined by the Administrator in its sole
discretion, upon a Participant's termination of employment with the
Participating Companies for any reason (the date of a Participant's termination
of employment shall be determined by the Administrator in its sole discretion),
such Participant shall be deemed to have withdrawn from the Plan.

              5. Contributions by Participants.

              (a) Participants shall make Participant Contributions by means of
regular payroll deductions in an amount, as regards each Participant, equal to
that Participant's then elected Earnings Percentage of Earnings. Such payroll
deductions shall be made at each payroll period.

              (b) A Participant may, at any time and for any reason, adjust his
Earnings Percentage, terminate his Participant Contributions or withdraw from
the Plan by providing written notice to the Administrator of the same on a
change in enrollment form (as approved by the Administrator from time to time);
provided, however, that, unless otherwise determined by the Administrator in its
sole discretion, such Participant may provide such a notice only once in any
thirty (30)-day period. Such notice shall be effective in the first payroll
period commencing after the date of providing such notice.

              (c) Unless otherwise determined by the Administrator in its sole
discretion, if a Participant terminates his Participant Contributions or
withdraws from the Plan, such Participant shall not be permitted to recommence
Participant Contributions or re-enroll in the Plan for ninety (90) days
following such termination or withdrawal.

              6. Contributions by the Company.

              (a) Unless otherwise determined by the Administrator, the Company
shall, on the last business day of each Month, make a Company Contribution to
the Plan on behalf of each

                                       3
<PAGE>

Participant in an amount equal to thirty percent (30%) of the amount of
Participant Contributions made by that Participant in such Month.

              (b) The Company shall, within ninety (90) days after the end of
each Plan Year in which the Company has achieved a return on equity of at least
fifteen percent (15%), as computed in accordance with generally accepted
accounting principles, make an additional Company Contribution to the Plan on
behalf of each Employee who is then a Participant in an amount equal to twenty
percent (20%) of the amount of Participant Contributions made by that
Participant during the immediately preceding Plan Year.

              7. Accounts and Allocations to Participants.

              (a) The Administrator shall establish and maintain a separate
Account in respect of each Participant showing all Participant Contributions and
Company Contributions, the total number of whole Shares and fractional Shares,
and the amount of dividends (and interest thereon, if any), allocated to his
Account.

              (b) All Participant Contributions and Company Contributions shall
be forwarded by the Administrator to the Custodian in a timely manner.

              (c) All dividends received in respect of the Shares held in a
Participant's Account, and the interest earned thereon, if any, shall be
allocated by the Administrator to the Participant's Account in a timely manner
and shall be subject to Sections 10 and 11.

              8. Vesting. All Participant Contributions and Company
Contributions allocated to a Participant's Account shall be fully and
immediately vested upon being allocated to his Account.

              9. Purchase of Shares.

              (a) The Administrator shall designate a Custodian that shall
acquire Shares as the agent for the Participants. The Custodian shall use the
Participant Contributions and the Company Contributions forwarded to it to
purchase on the open market in a timely manner as many Shares as may be acquired
with such contributions.

              (b) Upon any such purchase of Shares, the Custodian shall allocate
to each Participant's Account the number of whole and fractional Shares to which
such Participant is entitled. All Shares purchased pursuant to the provisions of
this Section 9 shall be subject to a Restricted Period and such Shares shall be
held by the Custodian in escrow on behalf of the applicable Participants until
the expiration of the Restricted Period.

              (c) During the Restricted Period, all rights with respect to
Shares allocated to a Participant's Account (including the right to vote) shall
be exercisable by the Participant, except as expressly provided otherwise
herein.

                                       4
<PAGE>

              10. Restricted Period.

              (a) A Participant may not Transfer any Share allocated to his
Account in any Plan Year during the period commencing on the date such Share is
so allocated and expiring at the end of the Withdrawal Notice Period falling in
the immediately following Plan Year (the "Restricted Period").

              (b) Until the expiration of the Restricted Period, a Participant
shall not be entitled to delivery of a certificate evidencing a Share which is
subject to the restrictions on transferability set forth in Section 10(a).

              (c) Any cash dividends and stock dividends with respect to Shares
subject to a Restricted Period shall be subject to the same restrictions as the
underlying Shares.

              11. Distributions from the Plan.

              (a) Upon the expiration of the Restricted Period with respect to
any Share, the restrictions set forth in Section 10 shall be of no further force
or effect with respect to such Share. During the Withdrawal Notice Period in
each Year, a Participant may submit written notification to the Company that he
wishes to withdraw some or all of the whole Shares allocated to his Account, in
which event the Custodian shall, within a reasonable time after the last day of
February in such Year, deliver to the Participant, without charge, one or more
certificates evidencing the Shares requested. Any such distribution shall reduce
the number of Shares allocated to such Participant's Account.

              (b) Within a reasonable time after the last day of February in
each Plan Year, the Custodian and/or the Administrator shall distribute to each
Participant all cash dividends (and, if applicable, any interest earned thereon)
forming part of such Participant's Account at the end of the immediately
preceding Plan Year.

              (c) Within a reasonable time after the termination of a
Participant's employment with the Participating Companies for any reason, the
Custodian and/or the Administrator shall deliver to the Participant, without
charge, one or more certificates evidencing the whole Shares, and any cash
dividends or stock dividends, credited to the Participant's Account, together
with a cash payment in lieu of any fractional Shares credited to his Account, in
the amount determined by the Administrator and funded by the Company, and
together with any other assets then credited to his Account.

              (d) A Participant may apply to the Company at any time and from
time to time to receive an immediate distribution of part or all of the Shares
or other assets credited to his Account, or to otherwise reduce any Restricted
Period. The decision upon any such application shall be at the absolute
discretion of the Company, and no such decision, or any other determination
permitted on a discretionary basis hereunder to the Administrator or the
Company, shall have any precedent value. Any such distribution shall serve to
reduce that Participant's Account.

                                       5
<PAGE>

              12. Administration.

              (a) The Administrator may make, amend and repeal at any time and
from time to time such regulations not inconsistent herewith as it may deem
necessary or advisable for the proper administration and operation of the Plan.
In particular, the Administrator may delegate to any person, group of persons or
corporation, such administrative duties and powers as it may see fit.

              (b) Notwithstanding the foregoing, the Administrator shall have
the power to interpret the provisions of the Plan and to make regulations and
formulate administrative provisions for carrying them out and to make such
changes in the Plan and in the regulations and administrative provisions as,
from time to time, the Administrator deems necessary. All decisions and
interpretations of the Administrator respecting the Plan and all rules and
regulations made from time to time pursuant hereto, shall be binding and
conclusive on the Company and on all Participants in the Plan and their
respective legal representatives and on all Employees eligible under the Plan to
participate therein.

              (c) The Administrator shall have full power and authority, subject
to the express provisions hereof, to construe and interpret the Plan and make
any factual determinations hereunder.

              13. Participant's Right Not Transferable. Except as otherwise
provided herein, and except for transfers by will or under the laws of descent
and distribution, no Employee shall have the right to Transfer either his right
to participate in the Plan or his interest in the Shares or other assets
credited to his Account, and no such attempted Transfer shall be effective.

              14. Amendment; Termination. Notwithstanding anything herein to the
contrary, the Board may, at any time, amend, modify, terminate or suspend the
Plan; provided, however, that no amendment or modification that otherwise must
be approved by stockholders, pursuant to applicable rules of a stock exchange or
any requirements under Section 162(m) of the Code and the regulations
promulgated thereunder, shall be effective without stockholder approval.
However, except as otherwise expressly provided herein, no such action will,
without the express written consent of a Participant, alter or impair his rights
existing at such time with respect to any Shares or other assets credited to his
Account.

              15. Termination of Plan. Upon termination of the Plan, all assets
credited to all Accounts shall, within a reasonable time after such termination,
be distributed to the respective Participants in a manner similar to the
distributions provided for in Section 11(c).

              16. Costs. The Company shall pay all costs of administering the
Plan. Brokerage fees with respect to the purchase of Shares pursuant to the Plan
shall be paid by the Company.

                                       6
<PAGE>

              17. No Right to Continued Employment. Participation in the Plan
shall be entirely voluntary and shall not be construed to give any Employee the
right to be employed or to continue to be employed by the Company.

              18. Applicable Law. The Plan shall be governed by and construed in
accordance with the laws of the State of Delaware (without giving effect to
principles of conflicts of laws).

              19. Effective Date. The Plan shall become effective on the
Effective Date, and shall remain in effect until it has been terminated pursuant
to Section 15.

              20. Wage and Tax Withholding. The Participating Companies are
authorized to withhold from any Shares or any compensation or other payment to a
Participant amounts of withholding and other taxes due in connection with any
Shares or with any Company Contributions, and to take such other action as the
Administrator may deem necessary or advisable to enable the Company and the
Participants to satisfy obligations for the payment of withholding taxes and
other tax obligations relating thereto. This authority shall include authority
for the Company to withhold or receive Shares or other property and to make cash
payments in respect thereof in satisfaction of a Participant's tax obligations,
either on a mandatory or elective basis, in the sole discretion of the Company.

                                       7

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