Document:

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                                                                    EXHIBIT 10.6

                              CARTER HOLDINGS, INC.

                           2001 EQUITY INCENTIVE PLAN

1.   PURPOSE.

     The purpose of this Equity Incentive Plan (the "Plan") is to advance the
interests of Carter Holdings, Inc., a Massachusetts corporation (the "Company"),
by enhancing the ability of the Company and its subsidiaries to attract and
retain able employees, consultants or advisers; to reward such individuals for
their contributions; and to encourage such individuals to take into account the
long-term interests of the Company and its subsidiaries through interests in
shares of the Company's Common Stock, $.01 par value per share (the "Stock").
Any employee, consultant, or adviser selected to receive an award under the Plan
is referred to as a "participant".

     Options granted pursuant to the Plan may be incentive stock options as
defined in section 422 of the Internal Revenue Code of 1986 (as from time to
time amended, the "Code") (any option that is intended so to qualify as an
incentive stock option being referred to herein as an "incentive option"), or
options that are not incentive options, or both. Except as otherwise expressly
provided with respect to an option grant, no option granted pursuant to the Plan
shall be an incentive option.

2.   ADMINISTRATION.

     The Plan shall be administered by the Board of Directors (the "Board") of
the Company. The Board shall have discretionary authority, not inconsistent with
the express provisions of the Plan, (a) to grant option awards to such eligible
persons as the Board may select; (b) to determine the time or times when awards
shall be granted and the number of shares of Stock subject to each award; (c) to
determine which options are, and which options are not, intended to be incentive
options; (d) to determine the terms and conditions of each award; (e) to
prescribe the form or forms of any instruments evidencing awards and any other
instruments required under the Plan and to change such forms from time to time;
(f) to adopt, amend, and rescind rules and regulations for the administration of
the Plan; and (g) to interpret the Plan and to decide any questions and settle
all controversies and disputes that may arise in connection with the Plan. Such
determinations of the Board shall be conclusive and shall bind all parties.
Subject to Section 9 the Board shall also have the authority, both generally and
in particular instances, to waive compliance by a participant with any
obligation to be performed by him or her under an award, to waive any condition
or provision of an award, and to amend or cancel any award (and if an award is
canceled, to grant a new award on such terms as the Board shall specify), except
that the Board may not take any action with respect to an outstanding award that
would adversely affect the rights of the participant under such award without
such participant's consent. Nothing in the preceding sentence shall be construed
as limiting the power of the Board to make adjustments required by Section 4(c)
and Section 6(g).

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     The Board may, in its discretion, delegate some or all of its powers with
respect to the Plan to a committee (the "Committee"), in which event all
references (as appropriate) to the Board hereunder shall be deemed to refer to
the Committee. The Committee, if one is appointed, shall consist of at least two
directors. A majority of the members of the Committee shall constitute a quorum,
and all determinations of the Committee shall be made by a majority of its
members. Any determination of the Committee under the Plan may be made without
notice or meeting of the Committee by a writing signed by all of the Committee
members. On and after registration of the Stock under the Securities Exchange
Act of 1934 (the "1934 Act"), the Board shall delegate the power to select
directors and officers to receive awards under the Plan and the timing, pricing,
and amount of such awards to a Committee, all members of which shall be
disinterested persons within the meaning of Rule 16b-3 under the 1934 Act and
"outside directors" within the meaning of section 162(m)(4)(c)(i) of the Code.

3.   EFFECTIVE DATE AND TERM OF PLAN.

     The Plan shall become effective on the date on which it is approved by the
shareholders of the Company. Grants of awards under the Plan may be made prior
to that date (but after Board adoption of the Plan), subject to approval of the
Plan by the shareholders.

     No awards shall be granted under the Plan after the completion of ten years
from the date on which the Plan was adopted by the Board, but awards previously
granted may extend beyond that date.

4.   SHARES SUBJECT TO THE PLAN.

     (a)   NUMBER OF SHARES. Subject to adjustment as provided in Section 4(c),
the aggregate number of shares of Stock that may be the subject of awards
granted under the Plan shall be 986,049, of which 246,998 Shares shall be
allocated to options which shall be time-vested, 394,145 Shares shall be
allocated to options which shall be time-vested and shall also vest based on the
attainment of performance goals determined by the Board and 344,906 Shares shall
be allocated to options which shall be fully vested, in each case as specified
in the certificate evidencing the grant of such options. If any award granted
under the Plan terminates without having been exercised in full, or upon
exercise is satisfied other than by delivery of Stock, the number of shares of
Stock as to which such award was not exercised shall be available for future
grants.

     (b)   SHARES TO BE DELIVERED. Shares delivered under the Plan shall be
authorized but unissued Stock, or if the Board so decides in its sole
discretion, previously issued Stock acquired by the Company and held in its
treasury. No fractional shares of Stock shall be delivered under the Plan.

     (c)   CHANGES IN STOCK. In the event of a stock dividend, stock split or
combination of shares, recapitalization, or other change in the Company's
capital stock, the number and kind of shares of Stock or securities of the
Company subject to awards then outstanding or subsequently granted under the
Plan, the exercise price of such awards, the maximum number of shares or
securities that may be delivered under the Plan, and other relevant provisions
shall be appropriately adjusted by the Board, whose determination shall be
binding on all persons.

                                      -2-
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     The Board may also adjust the number of shares subject to outstanding
awards, the exercise price of outstanding awards, and the terms of outstanding
awards, to take into consideration material changes in accounting practices or
principles, extraordinary dividends, consolidations or mergers (except those
described in Section 6(g)), acquisitions or dispositions of stock or property,
or any other event if it is determined by the Board that such adjustment is
appropriate to avoid distortion in the operation of the Plan, PROVIDED, that no
such adjustment shall be made in the case of an incentive option, without the
consent of the participant, if it would constitute a modification, extension, or
renewal of the option within the meaning of section 424(h) of the Code.

5.   AWARDS; ETC.

     Persons eligible to receive awards under the Plan shall be those persons
who, in the opinion of the Board, are in a position to make a significant
contribution to the success of the Company and its subsidiaries. A subsidiary
for purposes of the Plan shall be a corporation in which the Company owns,
directly or indirectly, stock possessing 50% or more of the total combined
voting power of all classes of stock.

     Incentive options shall be granted only to "employees" as defined in the
provisions of the Code or regulations thereunder applicable to incentive stock
options.

6.   TERMS AND CONDITIONS OF OPTIONS.

     (a)   EXERCISE PRICE OF OPTIONS. The exercise price of each option shall be
determined by the Board, but in the case of an incentive option shall not be
less than 100% (110%, in the case of an incentive option granted to a
ten-percent shareholder) of the fair market value of the Stock at the time the
option is granted; nor shall the exercise price be less, in the case of an
original issue of authorized stock, than par value. For this purpose, "fair
market value" in the case of incentive options shall have the same meaning as it
does in the provisions of the Code and the regulations thereunder applicable to
incentive options; and "ten-percent shareholder" shall mean any participant who
at the time of grant owns directly, or by reason of the attribution rules set
forth in section 424(d) of the Code is deemed to own, stock possessing more than
10% of the total combined voting power of all classes of stock of the Company or
of any of its parent or subsidiary corporations.

     (b)   DURATION OF OPTIONS. An option shall be exercisable during such
period or periods as the Board may specify. In the case of an option not
immediately exercisable in full, the Board may at any time accelerate the time
at which all or any part of the option may be exercised. The latest date on
which an option may be exercised (the "Expiration Date") shall be the date which
is ten years (five years in the case of an incentive option granted to anyone
other than a "ten percent shareholder" as defined in (a) above) from the date
the option was granted or such earlier date as may be specified by the Board at
the time the option is granted, or in the case of any performance options issued
by the Company under the Plan, 30 days following the date it is determined
whether such performance options have been earned solely if such date occurs
after such 10 year period.

                                      -3-
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     (c)   EXERCISE OF OPTIONS.

           (i)    An option shall become exercisable at such time or times and
     upon such conditions as the Board shall specify. In the case of an option
     not immediately exercisable in full, the Board may at any time accelerate
     the time at which all or any part of the option may be exercised.

           (ii)   Any exercise of an option shall be in writing, signed by the
     proper person and furnished to the Company, accompanied by (A) such
     documents as may be required by the Board and (B) payment in full as
     specified below in Section 6(d) for the number of shares of Stock for which
     the option is exercised.

           (iii)  The Board shall have the right to require that the participant
     exercising the option remit to the Company an amount sufficient to satisfy
     any federal, state, or local withholding tax requirements (or make other
     arrangements satisfactory to the Company with regard to such taxes) prior
     to the delivery of any Stock pursuant to the exercise of the option. If
     permitted by the Board, either at the time of the grant of the option or in
     connection with exercise, the participant may elect, at such time and in
     such manner as the Board may prescribe, to satisfy such withholding
     obligation by (A) delivering, to the Company, Stock (which in case of stock
     acquired from the Company shall have been owned by the participant for at
     least six months prior to the delivery date) owned by such individual
     having a fair market value equal to such withholding obligation, or (B)
     requesting that the Company withhold from the shares of Stock to be
     delivered upon the exercise a number of shares of Stock having a fair
     market value equal to such withholding obligation.

           (iv)   In the case of an incentive option, the Board may require as a
     condition of exercise that the participant exercising the option agree to
     inform the Company promptly of any disposition (within the meaning of
     section 424(c) of the Code and the regulations thereunder) of Stock
     received upon exercise. In addition, if at the time the option is exercised
     the Board determines that under applicable law and regulations the Company
     could be liable for the withholding of any federal or state tax with
     respect to a disposition of the Stock received upon exercise, the Board may
     require as a condition of exercise that the participant exercising the
     option agree to give such security as the Board deems adequate to meet the
     potential liability of the Company for the withholding of tax, and to
     augment such security from time to time in any amount reasonably deemed
     necessary by the Board to preserve the adequacy of such security.

           (v)    If an option is exercised by the executor or administrator of
     a deceased participant, or by the person or persons to whom the option has
     been transferred by the participant's will or the applicable laws of
     descent and distribution, the Company shall be under no obligation to
     deliver Stock pursuant to such exercise until the Company is satisfied as
     to the authority of the person or persons exercising the option.

                                      -4-
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     (d)   PAYMENT FOR AND DELIVERY OF STOCK. Stock purchased upon exercise of
an option under the Plan shall be paid for as follows: (i) in cash, check
acceptable to the Company (determined in accordance with such guidelines as the
Board may prescribe), or money order payable to the order of the Company, or
(ii) if so permitted by the Board (which, in the case of an incentive option,
shall specify such method of payment at the time of grant), (A) through the
delivery of shares of Stock (which, in the case of Stock acquired from the
Company, shall have been held for at least six months unless the Board specifies
a shorter period) having a fair market value on the last business day preceding
the date of exercise equal to the purchase price, (B) by delivery of an
unconditional and irrevocable undertaking by a broker to deliver promptly to the
Company sufficient funds to pay the exercise price, (C) by delivery to the
Company of a promissory note of the participant with a reasonable commercial
rate of interest, such note to be payable on such terms as are specified by the
Board, or (D) by any combination of the permissible forms of payment; PROVIDED,
that if the Stock delivered upon exercise of the option is an original issue of
authorized Stock, at least so much of the exercise price as represents the par
value of such Stock shall be paid other than with a personal check or promissory
note of the person exercising the option.

     (e)   DELIVERY OF STOCK. A participant shall not have the rights of a
shareholder with regard to awards under the Plan except as to Stock actually
received by him or her under the Plan.

     The Company shall not be obligated to deliver any shares of Stock (i)
until, in the opinion of the Company's counsel, all applicable federal and state
laws and regulations have been complied with, (ii) if the outstanding Stock is
at the time listed on any stock exchange, until the shares to be delivered have
been listed or authorized to be listed on such exchange upon official notice of
issuance, and (iii) until all other legal matters in connection with the
issuance and delivery of such shares have been approved by the Company's
counsel. Without limiting the generality of the foregoing, if the sale of Stock
has not been registered under the Securities Act of 1933, as amended, the
Company may require, as a condition to exercise of the award, such
representations or agreements as counsel for the Company may consider
appropriate to avoid violation of such Act and may require that the certificates
evidencing such Stock bear an appropriate legend restricting transfer.

     (f)   NONTRANSFERABILITY OF AWARDS. No award may be transferred other than
by will or by the laws of descent and distribution, and during a participant's
lifetime an award may be exercised only by him or her; PROVIDED, HOWEVER, that
the foregoing provisions shall not prohibit any pledge of an award to the
Company.

     (g)   MERGERS, ETC. Except as otherwise provided at the time of grant, in
the event of a consolidation or merger of the Company in which the Company is
not the surviving corporation or which results in the acquisition of
substantially all the Company's outstanding voting stock by a single person or
entity or by a group of persons and/or entities acting in concert, or in the
event of the sale or transfer of all or substantially all the Company's assets
(a "Covered Transaction"), the following rules shall apply:

                                      -5-
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           (i)    Subject to paragraph (ii) below, all outstanding options
     requiring exercise will cease to be exercisable (after any payment or other
     consideration deemed equitable by the Board for the termination of any
     vested portion of any award is made), and all other options to the extent
     not fully vested (including awards subject to conditions not yet satisfied
     or determined) will be forfeited, as of the effective time of the Covered
     Transaction, provided that the Board may in its sole discretion on or prior
     to the effective date of the Covered Transaction, (1) make any outstanding
     options exercisable in part or in full, (2) remove any performance or other
     conditions or restrictions on any awards, and/or (3) in the event of a
     Covered Transaction under the terms of which holders of the Stock of the
     Company will receive upon consummation thereof a payment (whether cash,
     non-cash or a combination of the foregoing) for each such share surrendered
     in the Covered Transaction, make or provide for a payment (whether cash,
     non-cash or a combination of the foregoing) to the participant equal to the
     difference between (A) the fair market value of the Stock times the number
     of shares of Stock subject to outstanding awards (to the extent then
     exercisable at prices not in excess of the fair market value) and (B) the
     aggregate exercise price of all such outstanding awards in exchange for the
     termination of such award by action of the Board which may be reflected in
     a resolution or in an option certificate or similar instrument or
     agreement; or

           (ii)   With respect to an outstanding award held by a participant
     who, following the Covered Transaction, will be employed by or otherwise
     providing services to an entity which is a surviving or acquiring entity in
     the covered transaction or an affiliate of such an entity, the Board may at
     or prior to the effective time of the Covered Transaction, in its sole
     discretion and in lieu of the action described in paragraph (i) above,
     arrange to have such surviving or acquiring entity or affiliate assume any
     award held by such participant outstanding hereunder or grant a replacement
     award which, in the judgment of the Board, is substantially equivalent to
     any award being replaced.

     The Board may grant options under the Plan in substitution for awards held
by directors, employees, consultants or advisers of another corporation who
concurrently become directors, employees, consultants or advisers of the Company
or a subsidiary of the Company as the result of a merger or consolidation of
that corporation with the Company or a subsidiary of the Company, or as the
result of the acquisition by the Company or a subsidiary of the Company of
property or stock of that corporation. The Company may direct that substitute
awards be granted on such terms and conditions as the Board considers
appropriate in the circumstances.

7.   TERMINATION OF EMPLOYMENT.

     In the case of any award, the Board may, through agreement with the
participant (including without limitation, any Stockholders Agreement of the
Company to which the participant is a party), resolution, or otherwise, provide
for post-termination exercise provisions different from those expressly set
forth in this Section 7, including without limitation the vesting immediately
prior to termination of all or any portion of an option not otherwise vested
prior to termination, and terms allowing a later exercise by a former employee,
consultant or advisor (or, in the case of a former employee, consultant or
advisor who is deceased, the person or persons to whom the award is transferred
by will or the laws of descent and distribution) as to all or any

                                      -6-
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portion of the award not exercisable immediately prior to termination of
employment or other service, but in no case may an award be exercised after the
Expiration Date. If the Board does not otherwise provide for such provisions and
if a participant's employment or other service relationship with the Company and
its subsidiaries terminates prior to the Expiration Date (including by reason of
death) the following shall apply:

     (a)   Options that are not vested immediately prior to the termination
shall automatically terminate upon termination. To the extent vested immediately
prior to termination of employment or other service, the option shall continue
to be vested and shall be exercisable thereafter during the period prior to the
Expiration Date and (i) in the case of time-vested options, within 60 days
following such termination (90 days in the event that a participant's service
terminates by reason of death), and (ii) in the case of performance options,
within 30 days following the date value is determined as specified by the Board
in the option certificate evidencing the grant of such options; PROVIDED,
HOWEVER, that if the participant's employment or other service is terminated
"for cause" as defined in (b) below, all unvested or unexercised awards shall
terminate immediately. Except as otherwise provided in an award, after
completion of such exercise period, such awards shall terminate to the extent
not previously exercised, expired, or terminated.

     (b)   For purposes of the foregoing, termination for "cause" shall mean
that the Board of Directors of the Company has determined, in its reasonable
judgment, that any one or more of the following has occurred:

           (i)    the participant shall have been convicted of, or shall have
     pleaded guilty or NOLO CONTENDERE to, any felony or any crime involving
     dishonesty or moral turpitude;

           (ii)   the participant shall have committed any fraud, theft,
     embezzlement, misappropriation of funds, breach of fiduciary duty or act of
     dishonesty;

           (iii)  the participant shall have breached in any material respect
     any of the provisions of any agreement between the participant and the
     Company, including, without limitation, the Company's Stockholders
     Agreement;

           (iv)   the participant shall have engaged in conduct likely to make
     the Company or any of its Affiliates subject to criminal liabilities other
     than those arising from the Company's normal business activities; or

           (v)    the participant shall have wilfully engaged in any other
     conduct that involves a breach of fiduciary obligation on the part of the
     participant or otherwise could reasonably be expected to have a material
     adverse effect upon the business, interests or reputation of the Company or
     any of its Affiliates.

No option shall be exercised or surrendered in exchange for a cash payment after
the Expiration Date.

                                      -7-
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8.   EMPLOYMENT RIGHTS.

     Neither the adoption of the Plan nor the grant of awards shall confer upon
any participant any right to continue as an employee of, or consultant or
adviser to, the Company or any subsidiary or affect in any way the right of the
Company or a subsidiary to terminate the participant's relationship at any time.
Except as specifically provided by the Board in any particular case, the loss of
existing or potential profit in awards granted under this Plan shall not
constitute an element of damages in the event of termination of the relationship
of a participant even if the termination is in violation of an obligation of the
Company to the participant by contract or otherwise.

9.   EFFECT, DISCONTINUANCE, CANCELLATION, AMENDMENT, AND TERMINATION.

     Neither adoption of the Plan nor the grant of awards to a participant shall
affect the Company's right to make awards to such participant that are not
subject to the Plan, to issue to such participant Stock as a bonus or otherwise,
or to adopt other plans or arrangements under which Stock may be issued.

     The Board may at any time discontinue granting awards under the Plan. With
the consent of the participant, the Board may at any time cancel an existing
award in whole or in part and grant another award for such number of shares as
the Board specifies. The Board may at any time or times amend the Plan or any
outstanding award for the purpose of satisfying the requirements of section 422
of the Code or of any changes in applicable laws or regulations or for any other
purpose that may at the time be permitted by law, or may at any time terminate
the Plan as to any further grants of awards; PROVIDED, that except to the extent
expressly required by the Plan, no such amendment shall adversely affect the
rights of any participant (without his or her consent) under any award
previously granted, nor shall such amendment, without the approval of the
stockholders of the Company, effectuate a change for which stockholder approval
is required in order for the Plan to continue to qualify for the award of
incentive stock options under Section 422 of the Code and to continue to qualify
under Rule 16b-3 promulgated under Section 16 of the 1934 Act.

                                      -8-<Page>

                                                                    EXHIBIT 10.9

                           THE WILLIAM CARTER COMPANY
                              CARTER HOLDINGS, INC.
                           CARTER'S IMAGINATION, INC.
                           CARTER'S DE SAN PEDRO, INC.
                                 The Proscenium
                       1170 Peachtree Street NE, Suite 900
                                Atlanta, GA 30309

                                AMENDMENT NO.1 OF
                          CREDIT AND GUARANTY AGREEMENT

                                                        March 27, 2002

FLEET NATIONAL BANK
 as Administrative Agent under the
 Credit Agreement defined herein
100 Federal Street
Boston, Massachusetts 02110

Ladies and Gentlemen:

     Each of the William Carter Company (the "COMPANY") and Carter Holdings,
Inc. ("HOLDINGS"), each Massachusetts corporation, and Carter's De San Pedro,
Inc. and Carter's Imagination, Inc., each a Delaware corporation, hereby agrees
with you as follows:

1.   REFERENCE TO CREDIT AGREEMENT AND DEFINITIONS. Reference is made to the
Credit and Guaranty Agreement dated as of August 15, 2001 among the Company,
Holdings, certain subsidiaries of the Company, as Guarantors, the Lenders from
time to time party thereto, Goldman Sachs Credit Partners L.P., as Lead
Arranger, Book Runner, and as Syndication Agent, Fleet National Bank, as
Administrative Agent and as Collateral Agent, and BNP Paribas, as Documentation
Agent (the "CREDIT AGREEMENT"). Terms defined in the Credit Agreement and not
otherwise defined herein are used herein with the meanings so defined.

2.   RECITAL. The Company has advised the Lenders that it desires certain
amendments to the Credit Agreement in order to permit directors of the Company
and/or Holdings to invest cash in Holdings without causing the Company to prepay
the Loans or reduce the Revolving Commitments. The Requisite Lenders have agreed
to amend the relevant provision of the Credit Agreement.

3.   AMENDMENTS. The Credit Agreement is hereby amended, effective as of the
date hereof, as follows:

     3.1  Section 2.14(c) of the Credit Agreement is amended to read in its
entirety as follows:

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          (c)  ISSUANCE OF EQUITY SECURITIES. On the date of receipt by
     Holdings of any Cash proceeds from a capital contribution to, or the
     issuance of any Capital Stock of, Holdings (other than (i) pursuant to any
     employee stock or stock option compensation plan, (ii) in connection with
     Permitted Acquisitions, or (iii) up to an aggregate of $2,500,000 of
     proceeds from (a) the issuance of any Capital Stock to directors of
     Holdings and/or the Company and (b) pursuant to any stock option
     compensation plan to directors of Holdings and/or the Company), Company
     shall prepay the Loans and/or the Revolving Commitments shall be
     permanently reduced as set forth in Section 2.15(b) in an aggregate amount
     equal to 50% of such proceeds, net of underwriting discounts and
     commissions and other reasonable costs and expenses associated therewith,
     including reasonable legal fees and expenses.

4.   REPRESENTATIONS AND WARRANTIES. In order to induce you to enter into this
amendment, the Company and Holdings hereby represent and warrant that (i) each
of the representations and warranties contained in Section 4 of the Credit
Agreement is true and correct on the date hereof, except for representations and
warranties that speak as of a specific date in which they were true and correct
on such earlier date and (ii) after giving effect to this amendment no Default
or Event of Default under the Credit Agreement shall have occurred and be
continuing.

5.   MISCELLANEOUS. Except as expressly modified by this amendment, the Credit
Agreement and each of the other Credit Documents are and remain unchanged and in
full force and effect. This amendment may be executed in any number of
counterparts, which together shall constitute one instrument, shall be Credit
Document, shall be governed by and construed in accordance with the laws of the
State of New York (without giving effect to the conflict of laws rules of any
jurisdiction) and shall bind and inure to the benefit of the parties hereto and
their respective successors and assigns.

     If the foregoing corresponds with your understanding of our agreement,
please sign this letter and the accompanying copies thereof in the appropriate
space below and return the same to the undersigned. This letter shall become a
binding agreement among each of the Lenders and the Agent when both the Company
and the Agent shall have one or more copies hereof executed by each of the
Company and the Agent on behalf of the Requisite Lenders.

                                        2
<Page>

                                       Very truly yours,

                                   THE WILLIAM CARTER COMPANY
                                   CARTER HOLDINGS, INC.

                                   By: /s/ Michael D. Casey
                                       ----------------------
                                       Name:  Michael D. Casey
                                       Title: Senior Vice President & CFO

                                   CARTER'S DE SAN PEDRO, INC.
                                   CARTER'S IMAGINATION, INC.

                                   By: /s/ Michael D. Casey
                                       ----------------------
                                       Name: Michael D. Casey
                                       Title: Senior Vice President & CFO

                                       S-1
<Page>

                                   FLEET NATIONAL BANK,
                                   as Administrative Agent, Collateral Agent,
                                   Swing Line Lender, Issuing Bank and a Lender

                                   BY: /s/ [ILLEGIBLE]
                                       ----------------
                                       Name: [ILLEGIBLE]
                                       Title: V.P.

                                       S-2
<Page>

                                   GOLDMAN SACHS CREDIT PARTNERS L.P.
                                   as Lead Arranger, Syndication Agent and a
                                   Lender

                                   By: /s/ [ILLEGIBLE]
                                       -----------------
                                       Authorized Signatory

                                       S-3
<Page>

                                   ARCHIMEDES FUNDING IV (CAYMAN), LTD.,
                                   by: ING Capital Advisors LLC, as Collateral
                                   Manager

                                   By: /s/ John J. D'Angelo
                                       ----------------------
                                       Name: John J. D'Angelo
                                       Title: Vice President

                                       S-8
<Page>

                                   ARCHIMEDES FUNDING III, LTD.,
                                   by: ING Capital Advisors LLC, as Collateral
                                   Manager

                                   By: /s/ John J. D'Angelo
                                       --------------------------
                                       Name: John J. D'Angelo
                                       Title: Vice President

                                       S-9
<Page>

                                   Ares V CLO LTD.

                                   By: Ares CLO GP V, LLC
                                       Its Managing Member

                                   By: /s/ Seth J. Brufsky
                                       ---------------------
                                   Name:  Seth J. Brufsky
                                   Title: Vice President

<Page>

                                   BLACK DIAMOND INTERNATIONAL FUNDING LTD.,

                                   By: /s/ Alan Corkish
                                       -------------------
                                       Name:  Alan Corkish
                                       Title: Director

                                      S-12
<Page>

                                   BNP PARIBAS,

                                   By: /s/ Cecile Scherer
                                       ---------------------
                                       Name:     CECILE SCHERER
                                       Title:       Director
                                               Merchant Banking Group

                                   By: /s/ Richard Cushing
                                       ---------------------
                                       Name:
                                       Title:

                                      S-13
<Page>

                                   CIT LENDING SERVICES
                                   CORPORATION (ILLINOIS),

                                   By: /s/ John P. Sirico, II
                                       -----------------------
                                       Name: John P. Sirico, II
                                       Title: Vice President

<Page>

                                   By: Denali Capital LLC, managing member of DC
                                   Funding Partners LLC, collateral manager for,
                                   DENALI CAPITAL CLO I, LTD.,

                                       Denali Capital LLC, managing member of
                                       DC Funding Partners LLC, portfolio
                                       manager for DENALI CAPITAL CLO I,
                                       LTD.

                                    By: /s/ John Thacker
                                        ------------------
                                        Name: John Thacker
                                        Title: Chief Credit Officer

                                      S-15
<Page>

                                   DRYDEN HIGH YIELD CDO 2001-I,
                                   By: Prudential Investment Management,
                                   Inc., as attorney -in-fact.

                                   By: /s/ Jill Baum
                                       ---------------
                                       Name: Jill Baum
                                       Title: Vice President.

                                      S-16
<Page>

                                   FLAGSHIP CLO II,

                                   By: /s/ [ILLEGIBLE]
                                       -----------------
                                       Name: [ILLEGIBLE]
                                       Title: As attorney in Fact

                                      S-17
<Page>

                                   FLAGSHIP CLO-2001-1,
                                   By: Flagship Capital Mgt, Inc

                                   By: /s/ [ILLEGIBLE]
                                       -----------------
                                       Name: [ILLEGIBLE]
                                       Title: Director

                                      S-18
<Page>

                                   FRANKLIN CLO II, LIMITED,
                                   as Documentation Agent and a Lender

                                   By: /s/ [ILLEGIBLE]
                                       -----------------
                                       Name:
                                       Title:

                                      S-20
<Page>

                                   FRANKLIN FLOATING RATE DAILY
                                   ACCESS FUND

                                   By: /s/ [ILLEGIBLE]
                                       -----------------
                                       Name:
                                       Title:

                                      S-21
<Page>

                                   FRANKLIN FLOATING RATE MASTER
                                   SERIES,

                                   By: /s/ [ILLEGIBLE]
                                       -----------------
                                       Name:
                                       Title:

                                      S-22
<Page>

                                   FRANKLIN FLOATING RATE TRUST,

                                   By: /s/ [ILLEGIBLE]
                                       -----------------
                                       Name:
                                       Title:

                                      S-23
<Page>

                                   GMAC BUSINESS CREDIT, LLC,
                                   as a Lender

                                   By: /s/ Mathew Leighton
                                       ---------------------
                                       Name: Mathew Leighton
                                       Title: Vice President

                                      S-24
<Page>

                                   Sankaty Advisors, LLC as Collateral
                                   Manager for Great Point CLO 1999-1
                                   LTD., as Term Lender

                                   By: /s/ Diane J. Exter
                                      ---------------------
                                       Name:    DIANE J. EXTER
                                       Title: MANAGING DIRECTOR
                                              PORTFOLIO MANAGER

                                      S-25
<Page>

                                   HARBOUR TOWN FUNDING TRUST

                                   By: /s/ Ann E. Morris
                                       -------------------
                                       Name:  ANN E. MORRIS
                                       Title: AUTHORIZED AGENT

                                      S-27
<Page>

                                   JUPITER FUNDING TRUST,
                                   as a Lender

                                   By: /s/ Ann E. Morris
                                       -------------------
                                       Name:  ANN E. MORRIS
                                       Title: AUTHORIZED AGENT

                                      S-29
<Page>

                                   KZH CNC LLC

                                   By: /s/ Anthony Iarrobino
                                       -----------------------
                                       Name:  ANTHONY IARROBINO
                                       Title: AUTHORIZED AGENT

                                      S-30
<Page>

                                   ENDURANCE CLO 1, LTD.,
                                   by: ING Capital Advisors LLC, as Portfolio
                                   Manager

                                   By: /s/ John J. D'Angelo
                                       ----------------------
                                       Name: John J. D'Angelo
                                       Title: Vice President

                                   KZH ING-2 LLC

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

                                   KZH ING-3 LLC

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

                                      S-31
<Page>

                                   KZH ING-1 LLC

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

                                   KZH ING-2 LLC

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

                                   KZH ING-3 LLC

                                   By: /s/ Anthony Iarrobino
                                       ----------------------
                                       Name:  ANTHONY IARROBINO
                                       Title: AUTHORIZED AGENT

                                      S-31
<Page>

                                   KZH PONDVIEW LLC

                                   By: /s/ Anthony Iarrobino
                                       ------------------------
                                       Name: ANTHONY IARROBINO
                                       Title: AUTHORIZED AGENT

                                   KZH RIVERSIDE LLC

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

                                   KZH WATERSIDE LLC

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

                                      S-32
<Page>

                                   KZH PONDVIEW LLC

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

                                   KZH RIVERSIDE LLC

                                   By: /s/ Anthony Iarrobino
                                       ------------------------
                                       Name: ANTHONY IARROBINO
                                       Title: AUTHORIZED AGENT

                                   KZH WATERSIDE LLC

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

AMENDMENT TO
CREDIT AND GUARANTY AGREEMENT                                          EXECUTION

                                      S-32
<Page>

                                   KZH PONDVIEW LLC

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

                                   KZH RIVERSIDE LLC

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

                                   KZH WATERSIDE LLC

                                   By: /s/ Anthony Iarrobino
                                       ----------------------
                                       Name: ANTHONY IARROBINO
                                       Title: AUTHORIZED AGENT

                                      S-32
<Page>

                                   LAGUNA FUNDING TRUST

                                   By: /s/ Ann E. Morris
                                       ----------------------
                                       Name:  ANN E. MORRIS
                                       Title: AUTHORIZED AGENT

                                      S-33
<Page>

                                   LONG LANE MASTER TRUST IV,
                                   By: Fleet National Bank as Trust
                                       Administrator

                                   By: /s/ [ILLEGIBLE]
                                       ----------------------
                                       Name: [ILLEGIBLE]
                                       Title:

                                      S-36
<Page>

                                   NEMEAN CLO, LTD.,
                                   by: ING Capital Advisors LLC, as Investment
                                       Manager

                                   By: /s/ John J. D'Angelo
                                       ---------------------
                                       Name: John J. D'Angelo
                                       Title: Vice President

                                      S-39
<Page>

                                   ING-ORYX CLO, LTD.,
                                   by: ING Capital Advisors LLC, as Collateral
                                   Manager

                                   By: /s/ John J. D'Angelo
                                       ---------------------
                                       Name: John J. D'Angelo
                                       Title: Vice President

                                      S-43
<Page>

                                   ING PRIME RATE TRUST,
                                   by: ING Pilgrim Investments, LLC as its
                                   investment Manager (Taxpayer
                                   ID # 95-687-4587).

                                   By: /s/ Brian S. Horton
                                       ---------------------
                                       Name: Britan S. Horton
                                       Title: Vice President

                                      S-44
<Page>

                                   ING SENIOR INCOME FUND,
                                   by: ING Pilgrim Investments, LLC as its
                                   investment Manager (Taxpayer
                                   ID # 95-687-4587).

                                   By: /s/ Brian S. Horton
                                       ---------------------
                                       Name: Brian S. Horton
                                       Title: Vice President

                                      S-45
<Page>

                                   Sankaty Advisors, LLC as Collateral
                                   Manager for Race Point CLO, Limited,
                                   as Term Lender

                                   By: /s/ Diane J. Exter
                        `              ----------------------
                                       Name:    Diane J. Exter
                                       Title: MANAGING DIRECTOR
                                              PORTFOLIO MANAGER

                                      S-47
<Page>

                                   RIVIERA FUNDING LLC,

                                   By: /s/ Ann E. Morris
                                       ----------------------
                                       Name:     ANN E. MORRIS
                                       Title: ASST. VICE PRESIDENT

                                      S-48
<Page>

                                   Sankaty High Yield Partners III. L.P

                                   By: /s/ Diane J. Exter
                                       --------------------
                                       Name:   DIANE J. EXTER
                                       Title: MANAGING DIRECTOR
                                              PORTFOLIO MANAGER

                                      S-51
<Page>

                                   SENECA CBO IV, LIMITED,

                                   By: /s/ Charles Diche
                                       --------------------
                                       Name: Charles Diche
                                       Title: Portfolio Manager

                                      S-53
<Page>

                                   SEQUILS-ING I (HBDGM), LTD.,
                                   by: ING Capital Advisors LLC, as Collateral
                                   Manager

                                   By:  /s/ John J. D'Angelo
                                       -----------------------
                                       Name: John J. D'Angelo
                                       Title: Vice President

                                      S-56
<Page>

                                   SKM-LIBERTYVIEW CBO I LIMITED,

                                   By: /s/ Kenneth C. Klegar
                                       -----------------------
                                       Name:   Kenneth C. Klegar
                                       Title: Authorized Signatory

                                      S-58
<Page>

                                   STEIN ROE FLOATING RATE LIMITED
                                   LIABILITY COMPANY,

                                   By: /s/ James R. Fellows
                                       ----------------------
                                       Name:  James R. Fellows
                                       Title: Senior Vice President
                                              Stein Roe & Famham Incorporated,
                                              as Advisor to the Stein Roe
                                              Floating Rate Limited Liability
                                              Company

                                      S-60
<Page>

                                   SWISS LIFE US RAINBOW LIMITED,
                                   by: ING Capital Advisors LLC, as Investment
                                   Manager

                                   By: /s/ John J. D'Angelo
                                       ----------------------
                                       Name:  John J. D'Angelo
                                       Title: Vice President

                                      S-61
<Page>

                                   THE ING CAPITAL SENIOR SECURED
                                   HIGH INCOME HOLDINGS FUND, LTD.,
                                   by: ING Capital Advisors LLC, as Investment
                                   Manager

                                   By: /s/ John J. D'Angelo
                                       -----------------------
                                       Name:  John J. D'Angelo
                                       Title: Vice President

                                      S-63
<Page>

                                   THE PROVIDENT BANK,

                                   By: /s/ Christopher B. Gribble
                                       ----------------------------
                                       Name:  CHRISTOPHER B. GRIBBLE
                                       Title: VICE PRESIDENT

                                      S-64
<Page>

                                   TORONTO DOMINION (NEW YORK), INC.,

                                   By: /s/ Susan K. Strong
                                       ---------------------
                                       Name:  Susan K. Strong
                                       Title: Vice President

                                      S-65
<Page>

                                   TRANSAMERICA BUSINESS CAPITAL
                                   CORPORATION,

                                   By: /s/ Stephen K. Goetschius
                                       ---------------------------
                                       Name:  Stephen K. Goetschius
                                       Title: Senior Vice President

                                      S-66
<Page>

                                   VAN KAMPEN
                                   SENIOR INCOME TRUST
                                   By: Van Kampen Investment Advisory Corp.

                                   By: /s/ Darvin D. Pierce
                                       -----------------------
                                       Name:   DARVIN D. PIERCE
                                       Title: EXECUTIVE DIRECTOR

                                       S-2
<Page>

                                   VAN KAMPEN PRIME RATE INCOME
                                   TRUST,

                                   By: /s/ Darvin D. Pierce
                                       ----------------------
                                       Name:   DARVIN D. PIERCE
                                       Title: EXECUTIVE DIRECTOR

                                       S-3
<Page>

                                   VAN KAMPEN SR FLOATING RATE FUND,

                                   By: /s/ Darvin D. Pierce
                                       ----------------------
                                       Name:   DARVIN D. PIERCE
                                       Title: EXECUTIVE DIRECTOR

                                       S-4
<Page>

                                   WINGED FOOT FUNDING TRUST,

                                   By: /s/ Ann E. Morris
                                       -------------------
                                       Name:  ANN E. MORRIS
                                       Title: AUTHORIZED AGENT

                                      S-70

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00042-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00042-of-00352.parquet"}]]