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     <!-- Project Name:   S-8 Registration Form                                            -->
     <!-- Firm Name:      United Retail Group, Inc.                                        -->
     <TITLE>S-8 Registration Form</TITLE>
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<H1 ALIGN=RIGHT><Font Face="Times New Roman, Times, Serif" SIZE=2>Registration No. 333-________</Font></H1>


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<A NAME=A001></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SECURITIES AND
EXCHANGE COMMISSION </FONT></h1>

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<A NAME=A002></A>
<H1 ALIGN=CENTER ><FONT FACE="Times New Roman, Times, Serif" SIZE=2>WASHINGTON, D.C. 20549</FONT></H1>


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<A NAME=A003></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>FORM S-8 </FONT></H1>

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<A NAME=A004></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>REGISTRATION STATEMENT </FONT></H1>

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<A NAME=A005></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>UNDER </FONT></H1>

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<A NAME=A006></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>THE SECURITIES ACT OF
1933 </FONT></H1>

 <H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>United Retail Group, Inc.</u><br><i>(Exact name of registrant as specified in its charter)</i></FONT></H1>
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     <TH><font face="Times New Roman, Times, Serif" Size=2>&nbsp;</font></TH>
     <TH><font face="Times New Roman, Times, Serif" Size=2>Delaware</font><hr></TH>
     <TH><font face="Times New Roman, Times, Serif" Size=2>51-0303670</font><hr></TH></TR>
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     <TD WIDTH="30%"><font face="Times New Roman, Times, Serif" Size=2>&nbsp;</font></TD>
     <TD WIDTH="35%"><font face="Times New Roman, Times, Serif" Size=2>(State or other jurisdiction<br>of incorporation or organization)</font></TD>
     <TD WIDTH="35%"><font face="Times New Roman, Times, Serif" Size=2>(I.R.S. employer identification no.)</font></TD></TR>
</TABLE>



<H1 Align=center> <font face="Times New Roman, Times, Serif" Size=2><u>365 West Passaic Street, Rochelle Park, New Jersey 07662</u><br><i>(Address of principal executive offices) (Zip Code)</i></font></h1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>United Retail Group Supplemental Retirement Savings Plan</u><br><i>(Full titles of the plans)</i></FONT></H1>

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<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>George R. Remeta<br>365 West Passaic Street<br><u>Rochelle Park, New Jersey 07662</u><br><i>(Name and address of agent for service)</i></FONT></H1>

<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>(201) 845-0880</u><br><i>(Telephone number, including area code, of agent for service)</i></FONT></H1>



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<A NAME=A010></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Calculation of
Registration Fee </FONT></H1>






<TABLE BORDER=0 CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH Align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TH>
     <TH Align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Title of each class of securities<br><u>to be registered</U></FONT></TH>
     <TH Align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amount to be<br><u>registered</u></FONT></TH>
     <TH Align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Proposed maximum<br>offering price<br><u>per unit</u></FONT></TH>
     <TH Align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Proposed maximum<br>aggregate<br><u>offering price</u></FONT></TH>
     <TH Align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Filing fee</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="5%">&nbsp;<FONT FACE="Times New Roman, Times, Serif" SIZE="2"></FONT></TD>
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Units, each consisting of one share of Common Stock, $.001 par value per share, and the right to purchase one one-hundredth of a share of Preferred Stock, $.001 par value per share ("Units")</FONT></TD>
     <TD WIDTH="15%" Align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1,000,000 Units</FONT></TD>
     <TD WIDTH="15%" Align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$3.625*</FONT></TD>
     <TD WIDTH="15%" Align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$3,625,000</FONT></TD>
     <TD WIDTH="15%" Align=center><FONT FACE="Times New Roman, Times, Serif" SIZE="2">$293.27</FONT></TD></TR>
</TABLE>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*the average of the high and low
prices reported on the NASDAQ National Market System on August 7, 2003 </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>In addition, pursuant to Rule 416(c)
under the Securities Act of 1933, this registration statement also covers an indeterminate
amount of interests to be offered or sold pursuant to the employee benefit plan described
herein. </FONT></P>


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<A NAME=A027></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>PART II </FONT></H1>

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<A NAME=A028></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>INFORMATION REQUIRED
IN THE REGISTRATION STATEMENT </FONT></H1>

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<A NAME=A029></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 3. Incorporation of Documents
By Reference. </FONT></H1>


<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The documents listed in (a) through (c) below are incorporated by reference in this registration statement:</FONT></P>

<OL TYPE="a">

<LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>the Corporation's Annual Report on Form 10-K and Form 10-K/A for the year ended February 1, 2003 filed with the Commission  (including  information
incorporated therein by reference);</font></LI>
<LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>all reports filed with the Commission pursuant to Section 13(a) or 15(d) of the Exchange Act after February 1, 2003; and</font></LI>
<LI><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The  description  of the  Corporation's  (i) Common  Stock,  par value $.001 per share,  contained  in the  Corporation's  Form 8-A
(Registration  Number 0-19774) filed with the Commission on January 2, 1992, and (ii)  stockholders'  rights plan contained in its Form
8-A filed with the  Commission  on  September  15, 1999,  including  any  amendment  or report  filed for the purpose of updating  such
descriptions.</font></LI></OL>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>All documents subsequently filed by
the Corporation pursuant to Section 13(a), 13(c), 14 and 15(d) of the Exchange Act, prior
to the filing of a post-effective amendment which indicates that all securities offered
hereunder have been sold or which deregisters all securities then remaining unsold, shall
be deemed to be incorporated by reference in this registration statement and to be part
hereof from the date of filing of such documents. </FONT></P>

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<A NAME=A030></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 4. Description of
Securities. </FONT></H1>

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<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Not Applicable. </FONT></P>

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<A NAME=A032></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 5. Interests of
Named Experts and Counsel. </FONT></H1>

<p><font face="Times New Roman, Times, Serif" Size=2>The  validity  of the  shares of  Common  Stock to be sold in the  offering  will be passed  upon by  Kenneth  P.  Carroll,  Esq.,  the
Corporation's  Senior Vice  President-General  Counsel.  Mr. Carroll holds employee stock options to purchase  205,000 shares of Common
Stock and the Retirement Savings Plan holds 27,586 shares of Common Stock for his account.</font></p>



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<A NAME=A033></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 6. Indemnification
of Directors and Officers. </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Section 145 of the General
Corporation Law of the State of Delaware empowers a Delaware corporation to indemnify any
person who was or is a party or is threatened to be made a party to any threatened,
pending or completed action, suit or proceeding, whether civil, criminal, administrative
or investigative (other than an action by or in the right of the corporation) by reason of
the fact that he is or was a director, officer, employee or agent of the corporation, or
is or was serving at the request of the corporation as a director, officer, employee or
agent of another corporation, partnership, joint venture, trust or other enterprise,
against expenses (including attorneys&#146; fees), judgments, fines and amounts paid in
settlement actually and reasonably incurred by him in connection with such action, suit or
proceeding if he acted in good faith and in a manner he reasonably believed to be in or
not opposed to the best interests of the corporation, and with respect to any criminal
action or proceeding, had no reasonable cause to believe his conduct was unlawful. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>In the case of an action by or in the
right of the corporation, Section 145 empowers a corporation to indemnify any person who
was or is a party or is threatened to be made a party to any threatened, pending or
completed action or suit in any of the capacities set forth above against expenses
(including attorneys&#146; fees) actually and reasonably incurred by him in connection
with the defense or settlement of such action or suit if he acted in good faith and in a
manner he reasonably believed to be in or not opposed to the best interests of the
Corporation, except that indemnification is not permitted in respect of any claim, issue
or matter as to which such person is adjudged to be liable to the corporation unless and
only to the extent that the Court of Chancery or the court in which such action or suit
was brought determines upon application that, despite the adjudication of liability but in
view of all the circumstances of the case, such person is fairly and reasonably entitled
to indemnity for such expenses which the Court of Chancery or such other court deems
proper. Section 145 further provides: that a Delaware corporation is required to indemnify
a present or former director, officer, employee or agent against expenses (including
attorneys&#146; fees) actually and reasonably incurred by him in connection with any
action, suit or proceeding or in defense of any claim, issue or matter therein as to which
such person has been successful on the merits or otherwise; that indemnification provided
for by Section 145 shall not be deemed exclusive of any other rights to which the
indemnified party may be entitled; and that indemnification provided for by Section 145
shall, unless otherwise provided when authorized or ratified, continue as to a person who
has ceased to be a director, officer, employee or agent and shall inure to the benefit of
such person&#146;s heirs, executors and administrators. A Delaware corporation may provide
indemnification only as authorized in the specific case upon a determination that
indemnification of the present or former director, officer, employee or agent is proper in
the circumstances because he has met the applicable standard of conduct. Such
determination is to be made with respect to a person who is an officer or director at the
time of determination (i) by the board of directors by majority vote of directors who were
not party to such action, suit or proceeding, even though less than a quorum, (ii) by a
committee of such directors designated by majority vote of such directors, even though
less than a quorum, (iii) if there are no such directors, or if such directors so direct,
by independent legal counsel in a written opinion or (iv) by the stockholders. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Restated By-laws of the
Corporation provide for indemnification of directors and officers of the Corporation to
the fullest extent permitted by law, as now in effect or later amended. The Restated
By-laws also provide that expenses incurred by an officer or director in defending a civil
or criminal action, suit or proceeding may be paid by the Corporation in advance of final
disposition upon receipt of an undertaking by or on behalf of such person to repay such
amount if it ultimately is determined that he is not entitled to be indemnified by the
Corporation. The Restated By-laws further provide that such indemnification provisions are
not exclusive. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Additionally, the Corporation&#146;s
Amended and Restated Certificate of Incorporation eliminates the personal liability of the
Corporation&#146;s directors to the fullest extent permitted by the provisions of Section
102 of the Delaware General Corporation Law, as the same may be amended and supplemented. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Corporation carries a
directors&#146; and officers&#146; insurance policy that provides indemnification to its
officers and directors under certain circumstances. </FONT></P>

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<A NAME=A034></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 7. Exemption from
Registration Claimed. </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>No shares of United Retail Group,
Inc. common stock have yet been purchased by the Plan for the benefit of a Plan
participant. </FONT></P>

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<A NAME=A035></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 8. Exhibits. </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits are filed as a
part of this registration statement: </FONT></P>



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<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TH></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4.1</font></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Articles FOURTH and SIXTH of the Amended and Restated Articles of Incorporation of the Corporation (incorporated herein by reference to Exhibit 3.1 to the Corporation's Form S-1 Registration Statement (Registration Number 33-44499)).</font></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4.2</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Certificate of Designation, Preferences and Rights of Series A Junior Participating Preferred Stock (incorporated herein by reference to Exhibit 3 to the Corporation's Current Report on Form 8-K, filed September 23, 1999).</font></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">5.</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Opinion of Kenneth P. Carroll, Esq. as to the legality of shares of Common Stock to be registered hereunder.</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">23.1</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Consent of PricewaterhouseCoopers LLP.</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">23.2</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Consent of Kenneth P. Carroll, Esq. is set forth as part of Exhibit 5 above.</FONT></TD></TR>
</TABLE>



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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended May 3, 2003 is
incorporated herein by reference: </FONT></P>

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<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendments to Restated Supplemental Retirement Savings Plan</FONT></TD></TR>
</TABLE>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Annual Report on Form 10-K for the year ended February 1, 2003 are
incorporated herein by reference: </FONT></P>


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<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated By-laws of the Corporation</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated January 31, 2003, to Financing Agreement among the Corporation,  United Retail Incorporated, Cloudwalkers, Inc. and the CIT Group/Business Credit, Inc., as Agent and Lender ("CIT")</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment to Restated Supplemental Retirement Savings Plan</FONT></TD></TR>
</TABLE>





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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The 2003 Stock Option Plan set forth
as an appendix to the Corporation&#146;s proxy statement on Schedule 14A for its 2003
annual meeting of stockholders is incorporated herein by reference.* </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended November 2, 2002,
are incorporated herein by reference: </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM"ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment,  dated  December 6, 2002, to Employment  Agreement,  dated November 20, 1998 between the Corporation and Raphael Benaroya ("Benaroya Employment Agreement")</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment,  dated December 6, 2002, to Employment  Agreement,  dated November 20, 1998, between the Corporation and George R. Remeta</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment,  dated December 6, 2002, to Employment  Agreement,  dated November 20, 1998, between the Corporation and Kenneth P. Carroll</FONT></TD></TR>
</TABLE>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended August 3, 2002 are
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated August 2, 2002, to Financing  Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment to Restated Supplemental Retirement Savings Plan</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Purchase and Sale Agreement, dated as of July 1, 2002, between Raphael Benaroya and the Corporation</FONT></TD></TR>
</TABLE>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the Corporation&#146;s Quarterly Report on Form 10-Q for the period
ended May 4, 2002 is incorporated herein by reference:</FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated May 30, 2002, to Benaroya Employment Agreement</FONT></TD></TR>
</TABLE>




<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Annual Report on Form 10-K for the year ended February 2, 2002 are
incorporated herein by reference: </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number In Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated April 5, 2002, to Private Label Credit Card Program Agreement, dated January 27, 1998, between the Corporation, United Retail Incorporated and World Financial Network National Bank ("Private Label Credit Card Program Agreement")</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated December 29, 1999, to Private Label Credit Card Program Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated August 19, 1999, to Private Label Credit Card Program Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.4*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Letter, dated March 1, 2002, from the Corporation to Raphael Benaroya with respect to the cost of living adjustment under the Benaroya Employment Agreement</FONT></TD></TR>
</TABLE>



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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended November 3, 2001 are
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated November 29, 2001, to Benaroya Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated November 29, 2001, to Remeta Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated November 29, 2001, to Carroll Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.4*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Summary Plan Description  for United  Retail  Group,  Inc. Incentive Compensation Program for Executives</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.5</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated October 1, 2001, to Private Label Credit Card Program Agreement (Confidential portions filed separately with the Secretary of the Commission)</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.6*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Promissory  note, dated November 30, 2001, from Raphael Benaroya to the Corporation (paid as of July 1, 2002)</FONT></TD></TR>
</TABLE>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended August 4, 2001 is
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated Stock Appreciation Rights Plan</FONT></TD></TR>
</TABLE>





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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The 2001 Stock Option Plan set forth
as an appendix to the Corporation&#146;s proxy statement on Schedule 14A for its 2001
annual meeting of stockholders is incorporated herein by reference.* </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Registration Statement on Form S-8 (Registration No. 333-44868) is
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated August 21, 2000, to Financing Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT</FONT></TD></TR>
</TABLE>





<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended October 28, 2000 are
incorporated herein by reference: </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated August 18, 2000, to Benaroya Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated August 18, 2000, to Carroll Employment Agreement</FONT></TD></TR>
</TABLE>



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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Annual Report on Form 10-K for the year ended January 29, 2000 are
incorporated herein by reference: </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated December 28, 1999, to Financing  Agreement among the Corporation, United Retail Incorporated and CIT ("Financing Agreement")</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated January 31, 2000, to Financing Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT </FONT></TD></TR>
</TABLE>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended October 30, 1999 is
incorporated herein by reference: </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated October 6, 1999, to Financing Agreement</FONT></TD></TR>
</TABLE>




<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Annual Report on Form 10-K for the year ended January 30, 1999 are
incorporated herein by reference: </FONT></P>





<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated March 29, 1999, to Financing Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">21</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Subsidiaries of the Corporation</FONT></TD></TR>
</TABLE>






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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The 1999 Stock Option Plan set forth
as the Appendix to the Corporation&#146;s proxy statement on Schedule 14A for its 1999
annual meeting of stockholders is incorporated herein by reference.* </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended October 31, 1998 are
incorporated herein by reference: </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Benaroya Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Remeta Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Carroll Employment Agreement</FONT></TD></TR>
</TABLE>




<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended May 2, 1998 are
incorporated herein by reference: </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1998 Stock Option Agreement, dated May 21, 1998, between the Corporation and Raphael Benaroya</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1998 Stock Option Agreement, dated May 21, 1998, between the Corporation and George R. Remeta</FONT></TD></TR>
</TABLE>



<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Annual Report on Form 10-K for the year ended January 31, 1998 are
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated Stockholders' Agreement, dated December 23, 1992, between the Corporation and certain of its stockholders and Amendment No. 1, Amendment No. 2 and Amendment No. 3 thereto</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Private Label Credit Card Program Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.4*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated 1990 Stock Option Plan as of March 6, 1998</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.5*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated 1990 Stock Option Plan as of May 28, 1996</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.6*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated 1996 Stock Option Plan as of March 6, 1998</FONT></TD></TR>
</TABLE>





<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended November 1, 1997 is
incorporated herein by reference: </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</U></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated September 15, 1997, to Financing Agreement</FONT></TD></TR>
</TABLE>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended August 2, 1997 are
incorporated herein by reference: </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Financing Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment to Restated Supplemental Retirement Savings Plan</FONT></TD></TR>
</TABLE>





<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended November 2, 1996 is
incorporated herein by reference: </FONT></P>






<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated Supplemental Retirement Savings Plan</FONT></TD></TR>
</TABLE>








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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Registration Statement on Form S-1 (Registration No. 33-44499), as
amended, are incorporated herein by reference: </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="BOTTOM">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amended and Restated Certificate of Incorporation of the Corporation</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4.1</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Specimen Certificate for Common Stock of the Corporation</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2.1</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Software License Agreement, dated as of April 30, 1989, between The Limited Stores, Inc. and Sizes Unlimited, Inc.(now known as United Retail Incorporated) ("Software License")</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2.2</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated December 10, 1991, to Software License</FONT></TD></TR>
</TABLE>










<!-- MARKER FORMAT-SHEET="Footnote Rule-TNR" FSL="Project" -->
<HR SIZE=1 NOSHADE WIDTH=15% ALIGN=LEFT>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*A compensatory plan for the benefit
of the Corporation&#146;s management or a management contract.</FONT></P>

<!-- MARKER FORMAT-SHEET="Head Major Left Bold-TNR" FSL="Default" -->
<A NAME=A036></A>
<H1 ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Item 9. Undertakings. </FONT></H1>


<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(a) The undersigned Corporation hereby undertakes:</font></p>

<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(1)  To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</font></p>

<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(i)  To include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;</font></P>
<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(ii) To reflect in the  prospectus any facts or events arising after the effective  date of the  registration  statement (or the most
recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information
set forth in the registration statement;</font></p>
<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(iii) To include any material  information  with respect to the plan of  distribution  not previously  disclosed in the  registration
statement or any material change to such information in the registration statement;</font></p>
<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2><U>provided, however,</U> that paragraphs (a)(1)(i) and (a)(1)(ii) do not apply if the information required to be
included in a post-effective amendment by those paragraphs is contained in periodic
reports filed with or furnished to the Commission by the Corporation pursuant to Section
13 or 15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in
the registration statement.</font></p>
<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(2) That, for the purpose of determining any liability under the Securities Act of 1933,  each such  post-effective  amendment shall be
deemed to be a new  registration  statement  relating to the securities  offered  therein,  and the offering of such securities at that
time shall be deemed to be the initial bona fide offering thereof.</font></p>
<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(3) To remove from  registration by means of a  post-effective  amendment any of the securities being registered which remain unsold at
the termination of the offering.</font></p>
<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(b) The undersigned  Corporation  hereby  undertakes  that, for purposes of determining any liability under the Securities Act of 1933,
each filing of the  Corporation's  annual report pursuant to Section 13(a) or 15(d) of the Securities  Exchange Act of 1934 (and, where
applicable,  each filing of an employee benefit plan's annual report pursuant to Section 15(d) of the Securities  Exchange Act of 1934)
that is incorporated by reference in the  registration  statement shall be deemed to be a new  registration  statement  relating to the
securities  offered  therein,  and the offering of such  securities  at that time shall be deemed to be the initial bona fide  offering
thereof.</font></p>
<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>(h) Insofar as  indemnification  for liabilities  arising under the Securities Act of 1933 may be permitted to directors,  officers and
controlling persons of the Corporation  pursuant to the foregoing  provisions,  or otherwise,  the Corporation has been advised that in
the opinion of the Securities and Exchange  Commission  such  indemnification  is against public policy as expressed in the Act and is,
therefore,  unenforceable.  In the event that a claim for  indemnification  against  such  liabilities  (other  than the payment by the
Corporation of expenses incurred or paid by a director,  officer or controlling  person of the Corporation in the successful defense of
any action,  suit or proceeding) is asserted by such director,  officer or controlling  person in connection with the securities  being
registered,  the Corporation  will, unless in the opinion of its counsel the matter has been settled by controlling  precedent,  submit
to a court of appropriate  jurisdiction  the question whether such  indemnification  by it is against public policy as expressed in the
Act and will be governed by the final adjudication of such issue.</font><p>



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<A NAME=A037></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>SIGNATURES </FONT></H1>

<!-- MARKER FORMAT-SHEET="Head Left-TNR" FSL="Project" -->
<A NAME=A038></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Registrant. </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Pursuant to the requirements of the
Securities Act of 1933, the Registrant certifies that it has reasonable grounds to believe
that it meets all of the requirements for filing on Form S-8 and has duly caused this
registration statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the Borough of Rochelle Park, State of New Jersey, on the 13th day of August,
2003. </FONT></P>



<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TH>
     <TH Align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">UNITED RETAIL GROUP, INC.<BR>(Registrant)</FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="300"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">By: <u>/s/Raphael Benaroya</u><br>Raphael Benaroya, Chairman of the Board<br>President and Chief Executive Officer</font></TD></TR>
</TABLE>





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<A NAME=A039></A>
<H1 ALIGN=CENTER><FONT FACE="Times New Roman, Times, Serif" SIZE=2>POWER OF ATTORNEY </FONT></H1>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Know All Men By These Presents, that
each person whose signature appears below, other than Raphael Benaroya and George R.
Remeta, constitutes and appoints Raphael Benaroya and George R. Remeta, and each of them,
as his true and lawful attorneys-in-fact and agents, with full power of substitution and
resubstitution, for him and in his name, place and stead, in any and all capacities, to
sign any or all amendments (including post-effective amendments) to this registration
statement, and to file the same, with exhibits thereto, and other documents in connection
therewith, with the Securities and Exchange Commission, granting unto said
attorneys-in-fact and agents, and each of them, full power and authority to do and perform
each and every act and thing requisite and necessary to be done in and about the
foregoing, as fully to all intents and purposes as he might or could do in person, hereby
ratifying and confirming all that said attorneys-in-fact and agents, or their substitutes,
may lawfully do or cause to be done by virtue hereof. </FONT></P>

<p><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed below by the following persons in the capacities indicated on the 13th day of August, 2003.</font></p>



<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH>&nbsp;</TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>Signature</U></font></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>Title</U></font></TH></TR>
<TR>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD></TR>
<TR VALIGN="TOP">
     <TD WIDTH="10%">&nbsp;</TD>
     <TD WIDTH="40%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>/s/Raphael Benaroya</u><br>Raphael Benaroya</font></TD>
     <TD WIDTH="40%"><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Chairman of the Board, President<br>Chief Executive Officer and Director</font></TD></TR>
<TR>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD></TR>
<TR VALIGN="TOP">
     <TD>&nbsp;</TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>/s/George R. Remeta</u><br>George R. Remeta</font></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Vice Chairman of the Board,<br>Chief Administrative Officer,<br>Chief Financial Officer and Director</font></TD></TR>
<TR>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD></TR>
<TR VALIGN="TOP">
     <TD>&nbsp;</TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>/s/Jon Grossman</u><br>Jon Grossman</font></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Vice President-Finance and<br>Chief Accounting Officer</font></TD></TR>
<TR>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD></TR>
<TR VALIGN="TOP">
     <TD>&nbsp;</TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>/s/Joseph A. Alutto</u><br>Joseph A. Alutto</font></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</font></TD></TR>
<TR>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD></TR>
<TR VALIGN="TOP">
     <TD>&nbsp;</TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>/s/Joseph Ciechanover</u><br>Joseph Ciechanover</font></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</font></TD></TR>
<TR>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD></TR>
<TR VALIGN="TOP">
     <TD>&nbsp;</TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>/s/Michael Goldstein</u><br>Michael Goldstein</font></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</font></TD></TR>
<TR>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD></TR>
<TR VALIGN="TOP">
     <TD>&nbsp;</TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>/s/Ilan Kaufthal</u><br>Ilan Kaufthal</font></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</font></TD></TR>
<TR>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD></TR>
<TR VALIGN="TOP">
     <TD>&nbsp;</TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>/s/Vincent P. Langone</u><br>Vincent P. Langone</font></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</font></TD></TR>
<TR>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD></TR>
<TR VALIGN="TOP">
     <TD>&nbsp;</TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2><u>/s/Richard W. Rubenstein</u><br>Richard W. Rubenstein</font></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>Director</font></TD></TR>
<TR>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD>
      <TD><FONT FACE="Times New Roman, Times, Serif" SIZE=2>&nbsp;</font></TD></TR>
</TABLE>








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<A NAME=A040></A>
<P ALIGN=LEFT><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The Plan. </FONT></P>

<FONT FACE="Times New Roman, Times, Serif" SIZE=2>Pursuant to the  requirements  of the  Securities  Act of 1933,  the Plan  Administrative  Committee has duly caused this  registration
statement to be signed on its behalf by the  undersigned,  thereunto duly  authorized,  in the Borough of Rochelle  Park,  State of New
Jersey, on the 13th day of August, 2003</font>


<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TH>
     <TH Align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">UNITED RETAIL GROUP <BR>SUPPLEMENTAL RETIREMENT SAVINGS PLAN</FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="300"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">By: <u>/s/Jon Grossman</u><br>Jon Grossman, Co-Chairman of the Plan<br>Administrative Committee</font></TD></TR>
</TABLE>



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                                                                  EXHIBIT LIST

<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits are filed as a
part of this registration statement: </FONT></P>



<TABLE BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM">
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TH></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4.1</font></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Articles FOURTH and SIXTH of the Amended and Restated Articles of Incorporation of the Corporation (incorporated herein by reference to Exhibit 3.1 to the Corporation's Form S-1 Registration Statement (Registration Number 33-44499)).</font></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4.2</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Certificate of Designation, Preferences and Rights of Series A Junior Participating Preferred Stock (incorporated herein by reference to Exhibit 3 to the Corporation's Current Report on Form 8-K, filed September 23, 1999).</font></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">5.</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Opinion of Kenneth P. Carroll, Esq. as to the legality of shares of Common Stock to be registered hereunder.</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">23.1</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Consent of PricewaterhouseCoopers LLP.</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">&nbsp;</FONT></TD>
     <TD align=left><FONT FACE="Times New Roman, Times, Serif" SIZE="2">23.2</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Consent of Kenneth P. Carroll, Esq. is set forth as part of Exhibit 5 above.</FONT></TD></TR>
</TABLE>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended May 3, 2003 is
incorporated herein by reference: </FONT></P>

<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendments to Restated Supplemental Retirement Savings Plan</FONT></TD></TR>
</TABLE>


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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Annual Report on Form 10-K for the year ended February 1, 2003 are
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated By-laws of the Corporation</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated January 31, 2003, to Financing Agreement among the Corporation,  United Retail Incorporated, Cloudwalkers, Inc. and The CIT Group/Business Credit, Inc., as Agent and Lender ("CIT")</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment to Restated Supplemental Retirement Savings Plan</FONT></TD></TR>
</TABLE>





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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The 2003 Stock Option Plan set forth
as an appendix to the Corporation&#146;s proxy statement on Schedule 14A for its 2003
annual meeting of stockholders is incorporated herein by reference.* </FONT></P>

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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended November 2, 2002,
are incorporated herein by reference: </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM"ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment,  dated  December 6, 2002, to Employment  Agreement,  dated November 20, 1998 between the Corporation and Raphael Benaroya ("Benaroya Employment Agreement")</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment,  dated December 6, 2002, to Employment  Agreement,  dated November 20, 1998, between the Corporation and George R. Remeta</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment,  dated December 6, 2002, to Employment  Agreement,  dated November 20, 1998, between the Corporation and Kenneth P. Carroll</FONT></TD></TR>
</TABLE>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended August 3, 2002 are
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated August 2, 2002, to Financing  Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment to Restated Supplemental Retirement Savings Plan</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Purchase and Sale Agreement, dated as of July 1, 2002, between Raphael Benaroya and the Corporation</FONT></TD></TR>
</TABLE>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the Corporation&#146;s Quarterly Report on Form 10-Q for the period
ended May 4, 2002 is incorporated herein by reference:</FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated May 30, 2002, to Benaroya Employment Agreement</FONT></TD></TR>
</TABLE>




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<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Annual Report on Form 10-K for the year ended February 2, 2002 are
incorporated herein by reference: </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number In Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated April 5, 2002, to Private Label Credit Card Program Agreement, dated January 27, 1998, between the Corporation, United Retail Incorporated and World Financial Network National Bank ("Private Label Credit Card Program Agreement")</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated December 29, 1999, to Private Label Credit Card Program Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated August 19, 1999, to Private Label Credit Card Program Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.4*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Letter, dated March 1, 2002, from the Corporation to Raphael Benaroya with respect to the cost of living adjustment under the Benaroya Employment Agreement</FONT></TD></TR>
</TABLE>



<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended November 3, 2001 are
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated November 29, 2001, to Benaroya Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated November 29, 2001, to Remeta Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated November 29, 2001, to Carroll Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.4*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Summary Plan Description  for United  Retail  Group,  Inc. Incentive Compensation Program for Executives</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.5</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated October 1, 2001, to Private Label Credit Card Program Agreement (Confidential portions filed separately with the Secretary of the Commission)</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.6*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Promissory  note, dated November 30, 2001, from Raphael Benaroya to the Corporation (paid as of July 1, 2002)</FONT></TD></TR>
</TABLE>




<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended August 4, 2001 is
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated Stock Appreciation Rights Plan</FONT></TD></TR>
</TABLE>





<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Project" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The 2001 Stock Option Plan set forth
as an appendix to the Corporation&#146;s proxy statement on Schedule 14A for its 2001
annual meeting of stockholders is incorporated herein by reference.* </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Registration Statement on Form S-8 (Registration No. 333-44868) is
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated August 21, 2000, to Financing Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT</FONT></TD></TR>
</TABLE>





<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended October 28, 2000 are
incorporated herein by reference: </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated August 18, 2000, to Benaroya Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated August 18, 2000, to Carroll Employment Agreement</FONT></TD></TR>
</TABLE>



<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Annual Report on Form 10-K for the year ended January 29, 2000 are
incorporated herein by reference: </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated December 28, 1999, to Financing  Agreement among the Corporation, United Retail Incorporated and CIT ("Financing Agreement")</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated January 31, 2000, to Financing Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT </FONT></TD></TR>
</TABLE>




<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended October 30, 1999 is
incorporated herein by reference: </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated October 6, 1999, to Financing Agreement</FONT></TD></TR>
</TABLE>




<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Annual Report on Form 10-K for the year ended January 30, 1999 are
incorporated herein by reference: </FONT></P>





<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated March 29, 1999, to Financing Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">21</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Subsidiaries of the Corporation</FONT></TD></TR>
</TABLE>






<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The 1999 Stock Option Plan set forth
as the Appendix to the Corporation&#146;s proxy statement on Schedule 14A for its 1999
annual meeting of stockholders is incorporated herein by reference.* </FONT></P>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended October 31, 1998 are
incorporated herein by reference: </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Benaroya Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Remeta Employment Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.3*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Carroll Employment Agreement</FONT></TD></TR>
</TABLE>




<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended May 2, 1998 are
incorporated herein by reference: </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1998 Stock Option Agreement, dated May 21, 1998, between the Corporation and Raphael Benaroya</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">1998 Stock Option Agreement, dated May 21, 1998, between the Corporation and George R. Remeta</FONT></TD></TR>
</TABLE>



<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Annual Report on Form 10-K for the year ended January 31, 1998 are
incorporated herein by reference: </FONT></P>


<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated Stockholders' Agreement, dated December 23, 1992, between the Corporation and certain of its stockholders and Amendment No. 1, Amendment No. 2 and Amendment No. 3 thereto</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Private Label Credit Card Program Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.4*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated 1990 Stock Option Plan as of March 6, 1998</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.5*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated 1990 Stock Option Plan as of May 28, 1996</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.6*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated 1996 Stock Option Plan as of March 6, 1998</FONT></TD></TR>
</TABLE>





<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended November 1, 1997 is
incorporated herein by reference: </FONT></P>




<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</U></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated September 15, 1997, to Financing Agreement</FONT></TD></TR>
</TABLE>




<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended August 2, 1997 are
incorporated herein by reference: </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Financing Agreement</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2*</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment to Restated Supplemental Retirement Savings Plan</FONT></TD></TR>
</TABLE>





<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibit to the
Corporation&#146;s Quarterly Report on Form 10-Q for the period ended November 2, 1996 is
incorporated herein by reference: </FONT></P>






<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="TOP">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.1*</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Restated Supplemental Retirement Savings Plan</FONT></TD></TR>
</TABLE>








<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>The following exhibits to the
Corporation&#146;s Registration Statement on Form S-1 (Registration No. 33-44499), as
amended, are incorporated herein by reference: </FONT></P>



<TABLE WIDTH="100%" BORDER="0" CELLPADDING="0" CELLSPACING="0">
<TR VALIGN="BOTTOM" ALIGN=LEFT>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Number in Filing</u></FONT></TH>
     <TH><FONT FACE="Times New Roman, Times, Serif" SIZE="2"><u>Description</u></FONT></TH></TR>
<TR VALIGN="BOTTOM">
     <TD WIDTH="25%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">3.1</FONT></TD>
     <TD WIDTH="75%"><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amended and Restated Certificate of Incorporation of the Corporation</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">4.1</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Specimen Certificate for Common Stock of the Corporation</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2.1</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Software License Agreement, dated as of April 30, 1989, between The Limited Stores, Inc. and Sizes Unlimited, Inc.(now known as United Retail Incorporated) ("Software License")</FONT></TD></TR>
<TR VALIGN="TOP">
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">10.2.2</FONT></TD>
     <TD><FONT FACE="Times New Roman, Times, Serif" SIZE="2">Amendment, dated December 10, 1991, to Software License</FONT></TD></TR>
</TABLE>










<!-- MARKER FORMAT-SHEET="Footnote Rule-TNR" FSL="Project" -->
<HR SIZE=1 NOSHADE WIDTH=15% ALIGN=LEFT>

<!-- MARKER FORMAT-SHEET="Para Flush Lv 0-TNR" FSL="Default" -->
<P><FONT FACE="Times New Roman, Times, Serif" SIZE=2>*A compensatory plan for the benefit
of the Corporation&#146;s management or a management contract.</FONT></P>
</BODY>
</HTML>
[{"type": "S-8", "sequence": "1", "filename": "s8srsp.htm", "description": "SUPPLEMENTAL RETIREMENT SAVINGS PLAN", "secsgml_size_bytes": 88057}]
{"company-data": {"conformed-name": "UNITED RETAIL GROUP INC/DE", "cik": "0000881905", "assigned-sic": "5621", "irs-number": "510303670", "state-of-incorporation": "DE", "fiscal-year-end": "0130"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-107909", "film-number": "03839125"}, "business-address": {"street1": "365 W PASSAIC ST", "city": "ROCHELLE PARK", "state": "NJ", "zip": "07662", "phone": "2018450880"}, "mail-address": {"street1": "365 W PASSAIC STREET", "street2": "365 W PASSAIC STREET", "city": "ROCHELLE PARK", "state": "NJ", "zip": "07662"}}
S-8 Registration Form
Registration No. 333-________
SECURITIES AND
EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM S-8
REGISTRATION STATEMENT
UNDER
THE SECURITIES ACT OF
1933
United Retail Group, Inc.
(Exact name of registrant as specified in its charter)
Delaware
51-0303670
(State or other jurisdiction
of incorporation or organization)
(I.R.S. employer identification no.)
365 West Passaic Street, Rochelle Park, New Jersey 07662
(Address of principal executive offices) (Zip Code)
United Retail Group Supplemental Retirement Savings Plan
(Full titles of the plans)
George R. Remeta
365 West Passaic Street
Rochelle Park, New Jersey 07662
(Name and address of agent for service)
(201) 845-0880
(Telephone number, including area code, of agent for service)
Calculation of
Registration Fee
Title of each class of securities
to be registered
Amount to be
registered
Proposed maximum
offering price
per unit
Proposed maximum
aggregate
offering price
Filing fee
Units, each consisting of one share of Common Stock, $.001 par value per share, and the right to purchase one one-hundredth of a share of Preferred Stock, $.001 par value per share ("Units")
1,000,000 Units
$3.625*
$3,625,000
$293.27
*the average of the high and low
prices reported on the NASDAQ National Market System on August 7, 2003
In addition, pursuant to Rule 416(c)
under the Securities Act of 1933, this registration statement also covers an indeterminate
amount of interests to be offered or sold pursuant to the employee benefit plan described
herein.
PART II
INFORMATION REQUIRED
IN THE REGISTRATION STATEMENT
Item 3. Incorporation of Documents
By Reference.
The documents listed in (a) through (c) below are incorporated by reference in this registration statement:
the Corporation's Annual Report on Form 10-K and Form 10-K/A for the year ended February 1, 2003 filed with the Commission  (including  information
incorporated therein by reference);
all reports filed with the Commission pursuant to Section 13(a) or 15(d) of the Exchange Act after February 1, 2003; and
The  description  of the  Corporation's  (i) Common  Stock,  par value $.001 per share,  contained  in the  Corporation's  Form 8-A
(Registration  Number 0-19774) filed with the Commission on January 2, 1992, and (ii)  stockholders'  rights plan contained in its Form
8-A filed with the  Commission  on  September  15, 1999,  including  any  amendment  or report  filed for the purpose of updating  such
descriptions.
All documents subsequently filed by
the Corporation pursuant to Section 13(a), 13(c), 14 and 15(d) of the Exchange Act, prior
to the filing of a post-effective amendment which indicates that all securities offered
hereunder have been sold or which deregisters all securities then remaining unsold, shall
be deemed to be incorporated by reference in this registration statement and to be part
hereof from the date of filing of such documents.
Item 4. Description of
Securities.
Not Applicable.
Item 5. Interests of
Named Experts and Counsel.
The  validity  of the  shares of  Common  Stock to be sold in the  offering  will be passed  upon by  Kenneth  P.  Carroll,  Esq.,  the
Corporation's  Senior Vice  President-General  Counsel.  Mr. Carroll holds employee stock options to purchase  205,000 shares of Common
Stock and the Retirement Savings Plan holds 27,586 shares of Common Stock for his account.
Item 6. Indemnification
of Directors and Officers.
Section 145 of the General
Corporation Law of the State of Delaware empowers a Delaware corporation to indemnify any
person who was or is a party or is threatened to be made a party to any threatened,
pending or completed action, suit or proceeding, whether civil, criminal, administrative
or investigative (other than an action by or in the right of the corporation) by reason of
the fact that he is or was a director, officer, employee or agent of the corporation, or
is or was serving at the request of the corporation as a director, officer, employee or
agent of another corporation, partnership, joint venture, trust or other enterprise,
against expenses (including attorneys' fees), judgments, fines and amounts paid in
settlement actually and reasonably incurred by him in connection with such action, suit or
proceeding if he acted in good faith and in a manner he reasonably believed to be in or
not opposed to the best interests of the corporation, and with respect to any criminal
action or proceeding, had no reasonable cause to believe his conduct was unlawful.
In the case of an action by or in the
right of the corporation, Section 145 empowers a corporation to indemnify any person who
was or is a party or is threatened to be made a party to any threatened, pending or
completed action or suit in any of the capacities set forth above against expenses
(including attorneys' fees) actually and reasonably incurred by him in connection
with the defense or settlement of such action or suit if he acted in good faith and in a
manner he reasonably believed to be in or not opposed to the best interests of the
Corporation, except that indemnification is not permitted in respect of any claim, issue
or matter as to which such person is adjudged to be liable to the corporation unless and
only to the extent that the Court of Chancery or the court in which such action or suit
was brought determines upon application that, despite the adjudication of liability but in
view of all the circumstances of the case, such person is fairly and reasonably entitled
to indemnity for such expenses which the Court of Chancery or such other court deems
proper. Section 145 further provides: that a Delaware corporation is required to indemnify
a present or former director, officer, employee or agent against expenses (including
attorneys' fees) actually and reasonably incurred by him in connection with any
action, suit or proceeding or in defense of any claim, issue or matter therein as to which
such person has been successful on the merits or otherwise; that indemnification provided
for by Section 145 shall not be deemed exclusive of any other rights to which the
indemnified party may be entitled; and that indemnification provided for by Section 145
shall, unless otherwise provided when authorized or ratified, continue as to a person who
has ceased to be a director, officer, employee or agent and shall inure to the benefit of
such person's heirs, executors and administrators. A Delaware corporation may provide
indemnification only as authorized in the specific case upon a determination that
indemnification of the present or former director, officer, employee or agent is proper in
the circumstances because he has met the applicable standard of conduct. Such
determination is to be made with respect to a person who is an officer or director at the
time of determination (i) by the board of directors by majority vote of directors who were
not party to such action, suit or proceeding, even though less than a quorum, (ii) by a
committee of such directors designated by majority vote of such directors, even though
less than a quorum, (iii) if there are no such directors, or if such directors so direct,
by independent legal counsel in a written opinion or (iv) by the stockholders.
The Restated By-laws of the
Corporation provide for indemnification of directors and officers of the Corporation to
the fullest extent permitted by law, as now in effect or later amended. The Restated
By-laws also provide that expenses incurred by an officer or director in defending a civil
or criminal action, suit or proceeding may be paid by the Corporation in advance of final
disposition upon receipt of an undertaking by or on behalf of such person to repay such
amount if it ultimately is determined that he is not entitled to be indemnified by the
Corporation. The Restated By-laws further provide that such indemnification provisions are
not exclusive.
Additionally, the Corporation's
Amended and Restated Certificate of Incorporation eliminates the personal liability of the
Corporation's directors to the fullest extent permitted by the provisions of Section
102 of the Delaware General Corporation Law, as the same may be amended and supplemented.
The Corporation carries a
directors' and officers' insurance policy that provides indemnification to its
officers and directors under certain circumstances.
Item 7. Exemption from
Registration Claimed.
No shares of United Retail Group,
Inc. common stock have yet been purchased by the Plan for the benefit of a Plan
participant.
Item 8. Exhibits.
The following exhibits are filed as a
part of this registration statement:
4.1
Articles FOURTH and SIXTH of the Amended and Restated Articles of Incorporation of the Corporation (incorporated herein by reference to Exhibit 3.1 to the Corporation's Form S-1 Registration Statement (Registration Number 33-44499)).
4.2
Certificate of Designation, Preferences and Rights of Series A Junior Participating Preferred Stock (incorporated herein by reference to Exhibit 3 to the Corporation's Current Report on Form 8-K, filed September 23, 1999).
5.
Opinion of Kenneth P. Carroll, Esq. as to the legality of shares of Common Stock to be registered hereunder.
23.1
Consent of PricewaterhouseCoopers LLP.
23.2
Consent of Kenneth P. Carroll, Esq. is set forth as part of Exhibit 5 above.
The following exhibit to the
Corporation's Quarterly Report on Form 10-Q for the period ended May 3, 2003 is
incorporated herein by reference:
Number in Filing
Description
10*
Amendments to Restated Supplemental Retirement Savings Plan
The following exhibits to the
Corporation's Annual Report on Form 10-K for the year ended February 1, 2003 are
incorporated herein by reference:
Number in Filing
Description
3
Restated By-laws of the Corporation
10.1
Amendment, dated January 31, 2003, to Financing Agreement among the Corporation,  United Retail Incorporated, Cloudwalkers, Inc. and the CIT Group/Business Credit, Inc., as Agent and Lender ("CIT")
10.2*
Amendment to Restated Supplemental Retirement Savings Plan
The 2003 Stock Option Plan set forth
as an appendix to the Corporation's proxy statement on Schedule 14A for its 2003
annual meeting of stockholders is incorporated herein by reference.*
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended November 2, 2002,
are incorporated herein by reference:
Number in Filing
Description
10.1*
Amendment,  dated  December 6, 2002, to Employment  Agreement,  dated November 20, 1998 between the Corporation and Raphael Benaroya ("Benaroya Employment Agreement")
10.2*
Amendment,  dated December 6, 2002, to Employment  Agreement,  dated November 20, 1998, between the Corporation and George R. Remeta
10.3*
Amendment,  dated December 6, 2002, to Employment  Agreement,  dated November 20, 1998, between the Corporation and Kenneth P. Carroll
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended August 3, 2002 are
incorporated herein by reference:
Number in Filing
Description
10.1
Amendment, dated August 2, 2002, to Financing  Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT
10.2*
Amendment to Restated Supplemental Retirement Savings Plan
10.3
Purchase and Sale Agreement, dated as of July 1, 2002, between Raphael Benaroya and the Corporation
The following exhibit to the Corporation's Quarterly Report on Form 10-Q for the period
ended May 4, 2002 is incorporated herein by reference:
Number in Filing
Description
10.1*
Amendment, dated May 30, 2002, to Benaroya Employment Agreement
The following exhibits to the
Corporation's Annual Report on Form 10-K for the year ended February 2, 2002 are
incorporated herein by reference:
Number In Filing
Description
10.1
Amendment, dated April 5, 2002, to Private Label Credit Card Program Agreement, dated January 27, 1998, between the Corporation, United Retail Incorporated and World Financial Network National Bank ("Private Label Credit Card Program Agreement")
10.2
Amendment, dated December 29, 1999, to Private Label Credit Card Program Agreement
10.3
Amendment, dated August 19, 1999, to Private Label Credit Card Program Agreement
10.4*
Letter, dated March 1, 2002, from the Corporation to Raphael Benaroya with respect to the cost of living adjustment under the Benaroya Employment Agreement
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended November 3, 2001 are
incorporated herein by reference:
Number in Filing
Description
10.1*
Amendment, dated November 29, 2001, to Benaroya Employment Agreement
10.2*
Amendment, dated November 29, 2001, to Remeta Employment Agreement
10.3*
Amendment, dated November 29, 2001, to Carroll Employment Agreement
10.4*
Summary Plan Description  for United  Retail  Group,  Inc. Incentive Compensation Program for Executives
10.5
Amendment, dated October 1, 2001, to Private Label Credit Card Program Agreement (Confidential portions filed separately with the Secretary of the Commission)
10.6*
Promissory  note, dated November 30, 2001, from Raphael Benaroya to the Corporation (paid as of July 1, 2002)
The following exhibit to the
Corporation's Quarterly Report on Form 10-Q for the period ended August 4, 2001 is
incorporated herein by reference:
Number in Filing
Description
10.1*
Restated Stock Appreciation Rights Plan
The 2001 Stock Option Plan set forth
as an appendix to the Corporation's proxy statement on Schedule 14A for its 2001
annual meeting of stockholders is incorporated herein by reference.*
The following exhibit to the
Corporation's Registration Statement on Form S-8 (Registration No. 333-44868) is
incorporated herein by reference:
Number in Filing
Description
10
Amendment, dated August 21, 2000, to Financing Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended October 28, 2000 are
incorporated herein by reference:
Number in Filing
Description
10.1*
Amendment, dated August 18, 2000, to Benaroya Employment Agreement
10.2*
Amendment, dated August 18, 2000, to Carroll Employment Agreement
The following exhibits to the
Corporation's Annual Report on Form 10-K for the year ended January 29, 2000 are
incorporated herein by reference:
Number in Filing
Description
10.2
Amendment, dated December 28, 1999, to Financing  Agreement among the Corporation, United Retail Incorporated and CIT ("Financing Agreement")
10.3
Amendment, dated January 31, 2000, to Financing Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT
The following exhibit to the
Corporation's Quarterly Report on Form 10-Q for the period ended October 30, 1999 is
incorporated herein by reference:
Number in Filing
Description
10.1
Amendment, dated October 6, 1999, to Financing Agreement
The following exhibits to the
Corporation's Annual Report on Form 10-K for the year ended January 30, 1999 are
incorporated herein by reference:
Number in Filing
Description
10.1
Amendment, dated March 29, 1999, to Financing Agreement
21
Subsidiaries of the Corporation
The 1999 Stock Option Plan set forth
as the Appendix to the Corporation's proxy statement on Schedule 14A for its 1999
annual meeting of stockholders is incorporated herein by reference.*
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended October 31, 1998 are
incorporated herein by reference:
Number in Filing
Description
10.1*
Benaroya Employment Agreement
10.2*
Remeta Employment Agreement
10.3*
Carroll Employment Agreement
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended May 2, 1998 are
incorporated herein by reference:
Number in Filing
Description
10.1*
1998 Stock Option Agreement, dated May 21, 1998, between the Corporation and Raphael Benaroya
10.2*
1998 Stock Option Agreement, dated May 21, 1998, between the Corporation and George R. Remeta
The following exhibits to the
Corporation's Annual Report on Form 10-K for the year ended January 31, 1998 are
incorporated herein by reference:
Number in Filing
Description
10.1
Restated Stockholders' Agreement, dated December 23, 1992, between the Corporation and certain of its stockholders and Amendment No. 1, Amendment No. 2 and Amendment No. 3 thereto
10.2
Private Label Credit Card Program Agreement
10.4*
Restated 1990 Stock Option Plan as of March 6, 1998
10.5*
Restated 1990 Stock Option Plan as of May 28, 1996
10.6*
Restated 1996 Stock Option Plan as of March 6, 1998
The following exhibit to the
Corporation's Quarterly Report on Form 10-Q for the period ended November 1, 1997 is
incorporated herein by reference:
Number in Filing
Description
10.1*
Amendment, dated September 15, 1997, to Financing Agreement
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended August 2, 1997 are
incorporated herein by reference:
Number in Filing
Description
10.1
Financing Agreement
10.2*
Amendment to Restated Supplemental Retirement Savings Plan
The following exhibit to the
Corporation's Quarterly Report on Form 10-Q for the period ended November 2, 1996 is
incorporated herein by reference:
Number in Filing
Description
10.1*
Restated Supplemental Retirement Savings Plan
The following exhibits to the
Corporation's Registration Statement on Form S-1 (Registration No. 33-44499), as
amended, are incorporated herein by reference:
Number in Filing
Description
3.1
Amended and Restated Certificate of Incorporation of the Corporation
4.1
Specimen Certificate for Common Stock of the Corporation
10.2.1
Software License Agreement, dated as of April 30, 1989, between The Limited Stores, Inc. and Sizes Unlimited, Inc.(now known as United Retail Incorporated) ("Software License")
10.2.2
Amendment, dated December 10, 1991, to Software License
*A compensatory plan for the benefit
of the Corporation's management or a management contract.
Item 9. Undertakings.
(a) The undersigned Corporation hereby undertakes:
(1)  To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:
(i)  To include any prospectus required by Section 10(a)(3) of the Securities Act of 1933;
(ii) To reflect in the  prospectus any facts or events arising after the effective  date of the  registration  statement (or the most
recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information
set forth in the registration statement;
(iii) To include any material  information  with respect to the plan of  distribution  not previously  disclosed in the  registration
statement or any material change to such information in the registration statement;
provided, however,
that paragraphs (a)(1)(i) and (a)(1)(ii) do not apply if the information required to be
included in a post-effective amendment by those paragraphs is contained in periodic
reports filed with or furnished to the Commission by the Corporation pursuant to Section
13 or 15(d) of the Securities Exchange Act of 1934 that are incorporated by reference in
the registration statement.
(2) That, for the purpose of determining any liability under the Securities Act of 1933,  each such  post-effective  amendment shall be
deemed to be a new  registration  statement  relating to the securities  offered  therein,  and the offering of such securities at that
time shall be deemed to be the initial bona fide offering thereof.
(3) To remove from  registration by means of a  post-effective  amendment any of the securities being registered which remain unsold at
the termination of the offering.
(b) The undersigned  Corporation  hereby  undertakes  that, for purposes of determining any liability under the Securities Act of 1933,
each filing of the  Corporation's  annual report pursuant to Section 13(a) or 15(d) of the Securities  Exchange Act of 1934 (and, where
applicable,  each filing of an employee benefit plan's annual report pursuant to Section 15(d) of the Securities  Exchange Act of 1934)
that is incorporated by reference in the  registration  statement shall be deemed to be a new  registration  statement  relating to the
securities  offered  therein,  and the offering of such  securities  at that time shall be deemed to be the initial bona fide  offering
thereof.
(h) Insofar as  indemnification  for liabilities  arising under the Securities Act of 1933 may be permitted to directors,  officers and
controlling persons of the Corporation  pursuant to the foregoing  provisions,  or otherwise,  the Corporation has been advised that in
the opinion of the Securities and Exchange  Commission  such  indemnification  is against public policy as expressed in the Act and is,
therefore,  unenforceable.  In the event that a claim for  indemnification  against  such  liabilities  (other  than the payment by the
Corporation of expenses incurred or paid by a director,  officer or controlling  person of the Corporation in the successful defense of
any action,  suit or proceeding) is asserted by such director,  officer or controlling  person in connection with the securities  being
registered,  the Corporation  will, unless in the opinion of its counsel the matter has been settled by controlling  precedent,  submit
to a court of appropriate  jurisdiction  the question whether such  indemnification  by it is against public policy as expressed in the
Act and will be governed by the final adjudication of such issue.
SIGNATURES
The Registrant.
Pursuant to the requirements of the
Securities Act of 1933, the Registrant certifies that it has reasonable grounds to believe
that it meets all of the requirements for filing on Form S-8 and has duly caused this
registration statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the Borough of Rochelle Park, State of New Jersey, on the 13th day of August,
2003.
UNITED RETAIL GROUP, INC.
(Registrant)
By:
/s/Raphael Benaroya
Raphael Benaroya, Chairman of the Board
President and Chief Executive Officer
POWER OF ATTORNEY
Know All Men By These Presents, that
each person whose signature appears below, other than Raphael Benaroya and George R.
Remeta, constitutes and appoints Raphael Benaroya and George R. Remeta, and each of them,
as his true and lawful attorneys-in-fact and agents, with full power of substitution and
resubstitution, for him and in his name, place and stead, in any and all capacities, to
sign any or all amendments (including post-effective amendments) to this registration
statement, and to file the same, with exhibits thereto, and other documents in connection
therewith, with the Securities and Exchange Commission, granting unto said
attorneys-in-fact and agents, and each of them, full power and authority to do and perform
each and every act and thing requisite and necessary to be done in and about the
foregoing, as fully to all intents and purposes as he might or could do in person, hereby
ratifying and confirming all that said attorneys-in-fact and agents, or their substitutes,
may lawfully do or cause to be done by virtue hereof.
Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed below by the following persons in the capacities indicated on the 13th day of August, 2003.
Signature
Title
/s/Raphael Benaroya
Raphael Benaroya
Chairman of the Board, President
Chief Executive Officer and Director
/s/George R. Remeta
George R. Remeta
Vice Chairman of the Board,
Chief Administrative Officer,
Chief Financial Officer and Director
/s/Jon Grossman
Jon Grossman
Vice President-Finance and
Chief Accounting Officer
/s/Joseph A. Alutto
Joseph A. Alutto
Director
/s/Joseph Ciechanover
Joseph Ciechanover
Director
/s/Michael Goldstein
Michael Goldstein
Director
/s/Ilan Kaufthal
Ilan Kaufthal
Director
/s/Vincent P. Langone
Vincent P. Langone
Director
/s/Richard W. Rubenstein
Richard W. Rubenstein
Director
The Plan.
Pursuant to the  requirements  of the  Securities  Act of 1933,  the Plan  Administrative  Committee has duly caused this  registration
statement to be signed on its behalf by the  undersigned,  thereunto duly  authorized,  in the Borough of Rochelle  Park,  State of New
Jersey, on the 13th day of August, 2003
UNITED RETAIL GROUP
SUPPLEMENTAL RETIREMENT SAVINGS PLAN
By:
/s/Jon Grossman
Jon Grossman, Co-Chairman of the Plan
Administrative Committee
EXHIBIT LIST
The following exhibits are filed as a
part of this registration statement:
4.1
Articles FOURTH and SIXTH of the Amended and Restated Articles of Incorporation of the Corporation (incorporated herein by reference to Exhibit 3.1 to the Corporation's Form S-1 Registration Statement (Registration Number 33-44499)).
4.2
Certificate of Designation, Preferences and Rights of Series A Junior Participating Preferred Stock (incorporated herein by reference to Exhibit 3 to the Corporation's Current Report on Form 8-K, filed September 23, 1999).
5.
Opinion of Kenneth P. Carroll, Esq. as to the legality of shares of Common Stock to be registered hereunder.
23.1
Consent of PricewaterhouseCoopers LLP.
23.2
Consent of Kenneth P. Carroll, Esq. is set forth as part of Exhibit 5 above.
The following exhibit to the
Corporation's Quarterly Report on Form 10-Q for the period ended May 3, 2003 is
incorporated herein by reference:
Number in Filing
Description
10.1*
Amendments to Restated Supplemental Retirement Savings Plan
The following exhibits to the
Corporation's Annual Report on Form 10-K for the year ended February 1, 2003 are
incorporated herein by reference:
Number in Filing
Description
3
Restated By-laws of the Corporation
10.1
Amendment, dated January 31, 2003, to Financing Agreement among the Corporation,  United Retail Incorporated, Cloudwalkers, Inc. and The CIT Group/Business Credit, Inc., as Agent and Lender ("CIT")
10.2*
Amendment to Restated Supplemental Retirement Savings Plan
The 2003 Stock Option Plan set forth
as an appendix to the Corporation's proxy statement on Schedule 14A for its 2003
annual meeting of stockholders is incorporated herein by reference.*
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended November 2, 2002,
are incorporated herein by reference:
Number in Filing
Description
10.1*
Amendment,  dated  December 6, 2002, to Employment  Agreement,  dated November 20, 1998 between the Corporation and Raphael Benaroya ("Benaroya Employment Agreement")
10.2*
Amendment,  dated December 6, 2002, to Employment  Agreement,  dated November 20, 1998, between the Corporation and George R. Remeta
10.3*
Amendment,  dated December 6, 2002, to Employment  Agreement,  dated November 20, 1998, between the Corporation and Kenneth P. Carroll
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended August 3, 2002 are
incorporated herein by reference:
Number in Filing
Description
10.1
Amendment, dated August 2, 2002, to Financing  Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT
10.2*
Amendment to Restated Supplemental Retirement Savings Plan
10.3
Purchase and Sale Agreement, dated as of July 1, 2002, between Raphael Benaroya and the Corporation
The following exhibit to the Corporation's Quarterly Report on Form 10-Q for the period
ended May 4, 2002 is incorporated herein by reference:
Number in Filing
Description
10.1*
Amendment, dated May 30, 2002, to Benaroya Employment Agreement
The following exhibits to the
Corporation's Annual Report on Form 10-K for the year ended February 2, 2002 are
incorporated herein by reference:
Number In Filing
Description
10.1
Amendment, dated April 5, 2002, to Private Label Credit Card Program Agreement, dated January 27, 1998, between the Corporation, United Retail Incorporated and World Financial Network National Bank ("Private Label Credit Card Program Agreement")
10.2
Amendment, dated December 29, 1999, to Private Label Credit Card Program Agreement
10.3
Amendment, dated August 19, 1999, to Private Label Credit Card Program Agreement
10.4*
Letter, dated March 1, 2002, from the Corporation to Raphael Benaroya with respect to the cost of living adjustment under the Benaroya Employment Agreement
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended November 3, 2001 are
incorporated herein by reference:
Number in Filing
Description
10.1*
Amendment, dated November 29, 2001, to Benaroya Employment Agreement
10.2*
Amendment, dated November 29, 2001, to Remeta Employment Agreement
10.3*
Amendment, dated November 29, 2001, to Carroll Employment Agreement
10.4*
Summary Plan Description  for United  Retail  Group,  Inc. Incentive Compensation Program for Executives
10.5
Amendment, dated October 1, 2001, to Private Label Credit Card Program Agreement (Confidential portions filed separately with the Secretary of the Commission)
10.6*
Promissory  note, dated November 30, 2001, from Raphael Benaroya to the Corporation (paid as of July 1, 2002)
The following exhibit to the
Corporation's Quarterly Report on Form 10-Q for the period ended August 4, 2001 is
incorporated herein by reference:
Number in Filing
Description
10.1*
Restated Stock Appreciation Rights Plan
The 2001 Stock Option Plan set forth
as an appendix to the Corporation's proxy statement on Schedule 14A for its 2001
annual meeting of stockholders is incorporated herein by reference.*
The following exhibit to the
Corporation's Registration Statement on Form S-8 (Registration No. 333-44868) is
incorporated herein by reference:
Number in Filing
Description
10
Amendment, dated August 21, 2000, to Financing Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended October 28, 2000 are
incorporated herein by reference:
Number in Filing
Description
10.1*
Amendment, dated August 18, 2000, to Benaroya Employment Agreement
10.2*
Amendment, dated August 18, 2000, to Carroll Employment Agreement
The following exhibits to the
Corporation's Annual Report on Form 10-K for the year ended January 29, 2000 are
incorporated herein by reference:
Number in Filing
Description
10.2
Amendment, dated December 28, 1999, to Financing  Agreement among the Corporation, United Retail Incorporated and CIT ("Financing Agreement")
10.3
Amendment, dated January 31, 2000, to Financing Agreement among the Corporation, United Retail Incorporated, Cloudwalkers, Inc. and CIT
The following exhibit to the
Corporation's Quarterly Report on Form 10-Q for the period ended October 30, 1999 is
incorporated herein by reference:
Number in Filing
Description
10.1
Amendment, dated October 6, 1999, to Financing Agreement
The following exhibits to the
Corporation's Annual Report on Form 10-K for the year ended January 30, 1999 are
incorporated herein by reference:
Number in Filing
Description
10.1
Amendment, dated March 29, 1999, to Financing Agreement
21
Subsidiaries of the Corporation
The 1999 Stock Option Plan set forth
as the Appendix to the Corporation's proxy statement on Schedule 14A for its 1999
annual meeting of stockholders is incorporated herein by reference.*
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended October 31, 1998 are
incorporated herein by reference:
Number in Filing
Description
10.1*
Benaroya Employment Agreement
10.2*
Remeta Employment Agreement
10.3*
Carroll Employment Agreement
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended May 2, 1998 are
incorporated herein by reference:
Number in Filing
Description
10.1*
1998 Stock Option Agreement, dated May 21, 1998, between the Corporation and Raphael Benaroya
10.2*
1998 Stock Option Agreement, dated May 21, 1998, between the Corporation and George R. Remeta
The following exhibits to the
Corporation's Annual Report on Form 10-K for the year ended January 31, 1998 are
incorporated herein by reference:
Number in Filing
Description
10.1
Restated Stockholders' Agreement, dated December 23, 1992, between the Corporation and certain of its stockholders and Amendment No. 1, Amendment No. 2 and Amendment No. 3 thereto
10.2
Private Label Credit Card Program Agreement
10.4*
Restated 1990 Stock Option Plan as of March 6, 1998
10.5*
Restated 1990 Stock Option Plan as of May 28, 1996
10.6*
Restated 1996 Stock Option Plan as of March 6, 1998
The following exhibit to the
Corporation's Quarterly Report on Form 10-Q for the period ended November 1, 1997 is
incorporated herein by reference:
Number in Filing
Description
10.1*
Amendment, dated September 15, 1997, to Financing Agreement
The following exhibits to the
Corporation's Quarterly Report on Form 10-Q for the period ended August 2, 1997 are
incorporated herein by reference:
Number in Filing
Description
10.1
Financing Agreement
10.2*
Amendment to Restated Supplemental Retirement Savings Plan
The following exhibit to the
Corporation's Quarterly Report on Form 10-Q for the period ended November 2, 1996 is
incorporated herein by reference:
Number in Filing
Description
10.1*
Restated Supplemental Retirement Savings Plan
The following exhibits to the
Corporation's Registration Statement on Form S-1 (Registration No. 33-44499), as
amended, are incorporated herein by reference:
Number in Filing
Description
3.1
Amended and Restated Certificate of Incorporation of the Corporation
4.1
Specimen Certificate for Common Stock of the Corporation
10.2.1
Software License Agreement, dated as of April 30, 1989, between The Limited Stores, Inc. and Sizes Unlimited, Inc.(now known as United Retail Incorporated) ("Software License")
10.2.2
Amendment, dated December 10, 1991, to Software License
*A compensatory plan for the benefit
of the Corporation's management or a management contract.