Mark1234 has it right. On the a/c I normally fly, a C172RG, the first stage of flaps - 10deg - can be set at 110kts. However, the white arc starts at 100kts and denotes the range of any flap setting, in this case up to 30degs.
Always check the POH for the a/c you fly, NOT for some generic 172 or whatever! Also be wary of third-party checklists. Always cross-check them with your POH and amend as required.