**CROSS-DEFAULT      AND CROS**
**S-COLLATERALIZATION      AGREEMENT**

**BAY      STATE REALTY HOLDINGS, INC.**
**HOMETOWN      AUTO FRAMINGHAM, INC.**
**FAMILY      FORD, INC.**
**SHAKER’S      INC.**
**HOMETOWN      BRATTLEBORO, INC.**
**SHAKER      AUTO GROUP, INC.**
**COREY      SHAKER**
**JOSEPH      SHAKER**
**STEVEN      SHAKER**
**JANET      SHAKER**
**EDWARD      SHAKER**
**FORD      MOTOR CREDIT COMPANY**

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| **LENDER**:  |                                                                                   |         |
|--------------|----------------------------------------------------------------------------------------|--------------|
|         | **FORD                  MOTOR CREDIT COMPANY,**a                  Delaware corporation |
|    |                                                                              |    |
|         | By:                                                                          |         |
|         | Douglas                  J. Hertrich, Branch Manager                                   |

|         |                                                                                              |                                                                             |
|--------------|---------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------|
| **OBLIGOR:** | **BAY                  STATE REALTY HOLDINGS, INC.,**A                  Massachusetts corporation |
|    |                                                                                         |                                                                        |
|         | By:                                                                                     |                                                                             |
|         |                                                                                              | Corey                Shaker, President                                           |
|         |                                                                                              |                                                                             |
|         | By:                                                                                     |                                                                             |
|         |                                                                                              | Charles                Schwartz, Secretary                                       |
|         |                                                                                              |                                                                             |
|         |                                                                                              | Obligor's Federal Tax ID Number:                 __________________________ |

|         |                                                                                             |                                                                             |
|--------------|--------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------|
|         | **HOMETOWN                  AUTO FRAMINGHAM, INC.,**a                  Massachusetts corporation |
|    |                                                                                        |                                                                        |
|         | By:                                                                                    |                                                                             |
|         |                                                                                             | Corey                Shaker, President                                           |
|         |                                                                                             |                                                                             |
|         | By:                                                                                    |                                                                             |
|         |                                                                                             | Charles                Schwartz, Secretary                                       |
|         |                                                                                             |                                                                             |
|         |                                                                                             | Obligor's Federal Tax ID Number:                 __________________________ |

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|         |                                                                                  |                                                                             |
|--------------|---------------------------------------------------------------------------------------|----------------------------------------------------------------------------------|
|         | **FAMILY                    FORD, INC.,**a                    Connecticut corporation |
|    |                                                                             |                                                                        |
|         | By:                                                                         |                                                                             |
|         |                                                                                  | Corey                Shaker, President                                           |
|         |                                                                                  |                                                                             |
|         | By:                                                                         |                                                                             |
|         |                                                                                  | Charles                Schwartz, Secretary                                       |
|         |                                                                                  |                                                                             |
|         |                                                                                  | Obligor's Federal Tax ID Number:                 __________________________ |

|         |                                                                                                            |                                       |
|--------------|-----------------------------------------------------------------------------------------------------------------|--------------------------------------------|
|         | **SHAKER’S                    INC**.,                    a                        Connecticut corporation |
|    |                                                                                                       |                                  |
|         | By:                                                                                                   |                                       |
|         |                                                                                                            | Corey                Shaker, President     |
|         |                                                                                                            |                                       |
|         | By:                                                                                                   |                                       |
|         |                                                                                                            | Charles                Schwartz, Secretary |

|         |                                                                                           |                                       |
|--------------|------------------------------------------------------------------------------------------------|--------------------------------------------|
|         | **HOMETOWN                      BRATTLEBORO, INC.,**a                      Vermont corporation |
|    |                                                                                      |                                  |
|         | By:                                                                                  |                                       |
|         |                                                                                           | Corey                Shaker, President     |
|         |                                                                                           |                                       |
|         | By:                                                                                  |                                       |
|         |                                                                                           | Charles                Schwartz, Secretary |
|         |                                                                                           |                                       |

|         |                                                                                                |                                       |
|--------------|-----------------------------------------------------------------------------------------------------|--------------------------------------------|
|         | **SHAKER                        AUTO GROUP, INC.,**a                        Connecticut corporation |
|    |                                                                                           |                                  |
|         | By:                                                                                       |                                       |
|         |                                                                                                | Corey                Shaker, President     |
|         |                                                                                                |                                       |
|         | By:                                                                                       |                                       |
|         |                                                                                                | Charles                Schwartz, Secretary |
|         |

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|         |                                         |         |
|--------------|----------------------------------------------|--------------|
|         |                                         |
|    |                                    |    |
|         |                                         |         |
|         | COREY                SHAKER, individually    |
|         |                                         |
|         | JOSEPH                  SHAKER, individually |
|         |                                         |
|         | STEVEN                  SHAKER, individually |
|         |                                         |
|         | JANET                SHAKER, individually    |
|         |                                         |
|         | EDWARD                SHAKER, individually   |
|         |                                         |

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