Document:

<PAGE>   1
                                                                   EXHIBIT 10.19

                        SECOND AMENDMENT TO POST-PETITION
                           LOAN AND SECURITY AGREEMENT

         This SECOND AMENDMENT TO POST-PETITION LOAN AND SECURITY AGREEMENT
(this "Amendment") is made and entered into on February 12, 2001, by and among
DYERSBURG CORPORATION, a Tennessee corporation ("Dyersburg"), DYERSBURG FABRICS
LIMITED PARTNERSHIP, I, a Tennessee limited partnership ("DFLP"), DYERSBURG
FABRICS INC., a Tennessee corporation ("DFI"), UNITED KNITTING, INC., a
Tennessee corporation ("UKI"), UNITED KNITTING LIMITED PARTNERSHIP, I, a
Tennessee limited partnership ("United Knitting"), IQUE, INC., a Tennessee
corporation ("IQUE, Inc."), IQUE LIMITED PARTNERSHIP, I, a Tennessee limited
partnership ("IQUE"), ALAMAC KNIT FABRICS, INC., a Delaware corporation
("Alamac"), and AIH INC., a Delaware corporation ("AIH") (each of the foregoing
individually referred to hereinafter as a "Borrower" and collectively as
"Borrowers"); DFIC, INC., a Delaware corporation ("DFIC"); IQUEIC, INC., a
Delaware corporation ("IQUEIC"); UKIC, INC., a Delaware corporation ("UKIC");
ALAMAC ENTERPRISES INC., a Delaware corporation ("Alamac Enterprises"); and
ALAMAC KNIT FABRICS LLC, a Delaware limited liability company ("Alamac LLC";
each of DFIC, IQUEIC, UKIC, Alamac Enterprises and Alamac LLC individually
referred to as a "Guarantor" and collectively as "Guarantors"; Borrowers and
Guarantors collectively are referred to hereinafter as "Obligors"); various
financial institutions that are parties to the Loan Agreement (as defined below)
("Lenders"); CONGRESS FINANCIAL CORPORATION (SOUTHERN), a Georgia corporation,
in its capacity as administrative agent for the Lenders (together with its
successors in such capacity, "Administrative Agent"); and FLEET NATIONAL BANK, a
national bank, in its capacity as collateral agent for the Lenders (together
with its successors in such capacity, "Collateral Agent;" Administrative Agent
and Collateral Agent sometimes collectively referred to hereinafter as
"Agents").

                                    RECITALS:

         Obligors, Agents and Lenders are parties to a certain Post-Petition
Loan and Security Agreement dated September 25, 2000 (as at any time amended,
the "Loan Agreement"), pursuant to which Lenders may make loans and other
extensions of credit to Borrowers in connection with the Chapter 11 Cases (as
defined therein).

         Obligors, Agents and Lenders now desire to amend the Loan Agreement as
hereinafter set forth.

                                      -1-
<PAGE>   2

         NOW, THEREFORE, for TEN DOLLARS ($10.00) in hand paid and other good
and valuable consideration, the receipt and sufficiency of which are hereby
severally acknowledged, the parties hereto, intending to be legally bound
hereby, agree as follows:

1. DEFINITIONS. All capitalized terms used in this Amendment, unless otherwise
defined herein, shall have the meaning ascribed to such terms in the Loan
Agreement.

2. AMENDMENTS TO LOAN AGREEMENT. The Loan Agreement is hereby amended as
follows:

         (a) By inserting the following definitions of "Hamilton Transaction"
and "Penco" in Section 1 of the Loan Agreement in appropriate alphabetical
order:

             "Hamilton Transaction" shall mean the transaction by which
         Alamac proposes to enter into and consummate an Agreement of Sale with
         Penco pursuant to which Alamac will sell to Penco certain real and
         personal property located in Hamilton, North Carolina for a purchase
         price of at least $2,800,000.

              "Penco" shall mean Penco Products, Inc., Pennsylvania corporation.

         (b) By deleting the definition of "Post-Petition Term Loan Conditions"
from Section 1 of the Loan Agreement and by substituting the following in lieu
thereof:

             "Post-Petition Term Loan Conditions" shall mean and include
         each of the following conditions: (i) Agents have received and recorded
         all Mortgages, if and to the extent as may be required by Agents in
         their sole discretion (with the costs thereof to be paid by Borrowers),
         and (ii) Agents have obtained all title insurance reports, endorsements
         and policies relating to such Mortgages, if and to the extent as may be
         required by Agents in their sole discretion (with the costs thereof to
         be paid by Borrowers).

         (c) By deleting Section 9.15 of the Loan Agreement and by substituting
the following new Section 9.15 in lieu thereof:

             9.15 CONSOLIDATED EBITDA. Borrowers shall maintain
         Consolidated EBITDA of at least the amounts set forth below for the
         periods applicable thereto:

<TABLE>
<CAPTION>
                                Period                             Amount
                                ------                             ------
<S>                                                              <C>
               October 1, 2000 through February 24, 2001         $5,152,000

               October 1, 2000 through March 31, 2001            $6,866,000
</TABLE>

                                      -2-
<PAGE>   3

         (c) By deleting Section 9.18 of the Loan Agreement and by substituting
the following new Section 9.18 in lieu thereof:

             9.18. EXCESS AVAILABILITY. Borrowers shall maintain Excess
         Availability at all times after the Closing Date of at least
         $3,500,000; provided, however, that if Borrowers consummate the
         Hamilton Transaction, then Borrowers shall be required to maintain
         Excess Availability at all times after the Closing Date of at least
         $4,150,000.

         4. LIMITED WAIVER OF DEFAULT. An Event of Default has occurred and
currently exists under the Loan Agreement as a result of Borrowers' breach of
Section 9.15 of the Loan Agreement for the period from October 1, 2000 through
December 30, 2000 (the "Designated Default"). Borrower represents and warrants
that the Designated Default is the only Default or Event of Default that exists
under the Loan Agreement and the other Loan Documents as of the date hereof.
Lenders hereby waive the Designated Default in existence on the date hereof. In
no event shall such waiver be deemed to constitute a waiver of (a) any Default
or Event of Default other than the Designated Default in existence on the date
of this Amendment or (b) Borrower's obligation to comply with all of the terms
and conditions of the Loan Agreement and the other Loan Documents from and after
the date hereof. Notwithstanding any prior, temporary mutual disregard of the
terms of any contracts between the parties, Borrower hereby agrees that it shall
be required strictly to comply with all of the terms of the Loan Documents on
and after the date hereof.

         5. RATIFICATION AND REAFFIRMATION. Each Obligor hereby ratifies and
reaffirms the Obligations, each of the DIP Financing Agreements and all of such
Obligor's covenants, duties, indebtedness and liabilities under the Financing
Agreements.

         6. ACKNOWLEDGMENTS AND STIPULATIONS. Each Obligor acknowledges and
stipulates that the Loan Agreement and the other DIP Financing Agreements
executed by such Obligor are legal, valid and binding obligations of such
Obligor that are enforceable against such Obligor in accordance with the terms
thereof; all of the Obligations are owing and payable without defense, offset or
counterclaim (and to the extent there exists any such defense, offset or
counterclaim on the date hereof, the same is hereby waived by such Obligor); as
of the opening of business on February 12, 2001, the unpaid principal amount of
the Loans totaled $43,962,563.50.

         7. REPRESENTATIONS AND WARRANTIES. Each Obligor represents and warrants
to Agents and Lenders, to induce Agents and Lenders to enter into this Amendment
that (a) no Default or Event of Default exists on the date hereof other than the
Designated Default; (b) the execution, delivery and performance of this
Amendment have been duly authorized by all requisite corporate or partnership
action on the part of such Obligor and this Amendment has been duly executed and
delivered by such Obligor; (c) and all of the representations and warranties
made by such Obligor in the Loan Agreement are true and correct on and as of the
date hereof.

                                      -3-
<PAGE>   4

         8. REFERENCE TO LOAN AGREEMENT. Upon the effectiveness of this
Amendment, each reference in the Loan Agreement to "this Agreement,"
"hereunder," or words of like import shall mean and be a reference to the Loan
Agreement, as amended by this Amendment.

         9. BREACH OF AMENDMENT. This Amendment shall be part of the Loan
Agreement and a breach of any representation, warranty or covenant herein shall
constitute an Event of Default.

         10. EXPENSES OF AGENTS AND LENDERS. Obligors agrees to pay, ON DEMAND,
all costs and expenses incurred by Agents and Lenders in connection with the
preparation, negotiation and execution of this Amendment, and any other DIP
Financing Agreements executed pursuant hereto and any and all amendments,
modifications, and supplements thereto, including, without limitation, the
reasonable costs and fees of Agents' and Lenders' legal counsel and any taxes or
expenses associated with or incurred in connection with any instrument or
agreement referred to herein or contemplated hereby.

         11. EFFECTIVENESS; GOVERNING LAW. This Amendment shall be effective
upon acceptance by Agents and Lenders in Atlanta, Georgia (notice of which
acceptance is hereby waived), whereupon the same shall be governed by and
construed in accordance with the internal laws of the State of Georgia.

         12. SUCCESSORS AND ASSIGNS. This Amendment shall be binding upon and
inure to the benefit of the parties hereto and their respective successors and
assigns.

         13. NO NOVATION, ETC. Except as otherwise expressly provided in this
Amendment, nothing herein shall be deemed to amend or modify any provision of
the Loan Agreement or any of the other DIP Financing Agreements, each of which
shall remain in full force and effect. This Amendment is not intended to be, nor
shall it be construed to create, a novation or accord and satisfaction, and the
Loan Agreement as herein modified shall continue in full force and effect.

         14. COUNTERPARTS; TELECOPIED SIGNATURES. This Amendment may be executed
in any number of counterparts and by different parties to this Amendment on
separate counterparts, each of which, when so executed, shall be deemed an
original, but all such counterparts shall constitute one and the same agreement.
Any signature delivered by a party by facsimile transmission shall be deemed to
be an original signature hereto.

         15. FURTHER ASSURANCES. Obligors agree to take such further actions as
Agents and Lenders shall reasonably request from time to time in connection
herewith to evidence or give effect to the amendments set forth herein or any of
the transactions contemplated hereby.

                                      -4-
<PAGE>   5

         16. SECTION TITLES. Section titles and references used in this
Amendment shall be without substantive meaning or content of any kind whatsoever
and are not a part of the agreements among the parties hereto.

         IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed under seal, and delivered by their respective duly authorized
officers, on the date first written above.

                                       DYERSBURG CORPORATION

ATTEST:

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance and                 Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Secretary
                                           and Treasurer

         [CORPORATE SEAL]

                                       DYERSBURG FABRICS INC.
ATTEST:

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance and                 Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Secretary
                                           and Treasurer

         [CORPORATE SEAL]

                                       UNITED KNITTING, INC.
ATTEST:

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance and                 Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Secretary
                                           and Treasurer

         [CORPORATE SEAL]

                     [Signature continued on following page]

                                      -5-
<PAGE>   6

                                       IQUE, INC.
ATTEST:

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance and                 Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Secretary
                                           and Treasurer

         [CORPORATE SEAL]

                                       ALAMAC KNIT FABRICS, INC.
ATTEST:

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance and                 Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Secretary
                                           and Treasurer

         [CORPORATE SEAL]

                                       AIH INC.
ATTEST:

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance and                 Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Secretary
                                           and Treasurer

         [CORPORATE SEAL]

                                       DYERSBURG FABRICS LIMITED
                                       PARTNERSHIP, I

ATTEST:                                By: DYERSBURG FABRICS INC., its sole
                                           General Partner

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance and                 Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Secretary
                                           and Treasurer

         [CORPORATE SEAL]

                     [Signature continued on following page]

                                      -6-
<PAGE>   7

                                       UNITED KNITTING LIMITED
                                       PARTNERSHIP, I

ATTEST:                                By: UNITED KNITTING, INC., its sole
                                           General Partner

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance and                 Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Secretary
                                           and Treasurer

         [CORPORATE SEAL]

                                       IQUE LIMITED PARTNERSHIP, I

ATTEST:                                By: IQUE, INC., its sole General Partner

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance and                 Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Secretary
                                           and Treasurer

         [CORPORATE SEAL]

ATTEST:                                DFIC, INC.

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance,                    Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Treasurer
                                           and Secretary

         [CORPORATE SEAL]

ATTEST:                                IQUEIC, INC.

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance,                    Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Treasurer
                                           and Secretary

         [CORPORATE SEAL]

                     [Signature continued on following page]

                                      -7-
<PAGE>   8

ATTEST:                                UKIC, INC.

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance,                    Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Treasurer
                                           and Secretary

         [CORPORATE SEAL]

ATTEST:                                ALAMAC ENTERPRISES INC.

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance,                    Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Treasurer
                                           and Secretary

         [CORPORATE SEAL]

ATTEST                                 ALAMAC KNIT FABRICS LLC

                                       BY:  ALAMAC KNIT FABRICS, INC., its sole
                                            member

/s/ Paul L. Hallock                    By: /s/ William S. Shropshire, Jr.
------------------------------------       -------------------------------------
PAUL L. HALLOCK                            WILLIAM S. SHROPSHIRE, JR.
Vice President-Finance,                    Executive Vice President,
Assistant Secretary                        Chief Financial Officer, Treasurer
                                           and Secretary

         [CORPORATE SEAL]

                     [Signature continued on following page]

                                      -8-
<PAGE>   9

                                       Accepted:
                                       --------

                                       FLEET NATIONAL BANK, as Collateral
                                       Agent

                                       By: /s/ David Rich
                                           -------------------------------------
                                           Title: Vice President
                                                  ------------------------------

                                       CONGRESS FINANCIAL
                                       CORPORATION (SOUTHERN),
                                       as Administrative Agent and
                                       a Lender

                                       By: /s/ Morris P. Holloway
                                           -------------------------------------
                                           Title: Senior Vice President
                                                  ------------------------------

                                       GENERAL ELECTRIC CAPITAL
                                       CORPORATION, as a Lender

                                       By: /s/ Ronald Banks
                                           -------------------------------------
                                           Title: Duly Authorized Signatory
                                                  ------------------------------

                                       THE CIT GROUP/COMMERCIAL SERVICES, INC.,
                                       as a Lender

                                       By: /s/ John Suchaniak
                                           -------------------------------------
                                           Title: Vice President
                                                  ------------------------------

                                       MELLON BANK, N.A., as a Lender

                                       By: /s/ Patrick Aarons
                                           -------------------------------------
                                           Title: Vice President
                                                  ------------------------------

                                       FLEET CAPITAL CORPORATION, as a Lender

                                       By: /s/  David Rich
                                           -------------------------------------
                                           Title: Vice President
                                                  ------------------------------

                                      -9-<PAGE>   1

                                   EXHIBIT 4.7

                        MODIFICATION TO CREDIT AGREEMENT

         This Modification to Credit Agreement (this "Modification") dated the
10th day of November, 2000 (this "Modification"), is made by and between WALL
STREET DELI, INC., a Delaware corporation ("Borrower") and AMSOUTH BANK, an
Alabama banking corporation ("Lender").

                                    RECITALS

         A. Borrower and Lender have heretofore entered into that certain Credit
Agreement dated as of June 19, 1996, as amended by that certain Amended and
Restated Credit Agreement dated February 2, 1999, that certain Modification to
Credit Agreement dated October 25, 1999, that certain Modification to Credit
Agreement dated October 29, 1999, that certain Modification to Credit Agreement
dated November 30, 1999, that certain Modification to Credit Agreement dated
January 27, 2000, and that certain Modification to Credit Agreement dated March
3, 2000 (the "Credit Agreement") pursuant to which the Lender agreed to make
available to the Borrower a credit facility in the original maximum principal
amount of $4,000,000 as evidenced by that certain Master Note from Borrower to
Lender dated December 26, 1996, as amended by that certain Amended and Restated
Master Note dated February 1, 1999, and that certain Note Modification Agreement
dated October 25, 1999 (the "Note"). The Credit Agreement and Note shall
hereinafter collectively be referred to as the "Credit Documents"). Capitalized
terms used herein and not otherwise defined shall have the meanings given to
them in the Credit Documents.

         B. Borrower has requested certain amendments to the Credit Documents,
including, but not limited to, an extension of the Termination Date from October
31, 2000 to April 30, 2001. Lender has agreed to such amendments to the Credit
Documents as more particularly set forth herein and requires this Modification
as evidence thereof.

                                    AGREEMENT

         NOW, THEREFORE, in consideration of the foregoing Recitals and other
good and valuable consideration, the Borrower and Lender agree as follows:

         1. The Recitals herein are true and correct.

         2. The Credit Agreement is hereby amended by deleting the definition of
"Letter of Credit Borrowings" as the same appears in Section 1.2(t) in its
entirety and inserting in lieu thereof the following:

                  (t) LETTER OF CREDIT BORROWINGS means as of any date the
         maximum aggregate amount that the Lender could be required to pay under
         drafts that could properly be drawn in compliance with the terms of all
         Letters of Credit outstanding on such date, except for drafts that have
         been drawn and paid and drafts under Letters of Credit which are
         secured by cash.

         3. The Credit Agreement is hereby amended by deleting Section 1.2 (aj)
in its entirety and inserting in lieu thereof the following:

                  (aj) TERMINATION DATE means April 30, 2001, the maturity date
         of the Obligations, as such date may be extended from time to time
         pursuant to Section 2.5 or accelerated pursuant to Section 6.2.

         4. The Credit Agreement is hereby amended by deleting 2.3 (a) in its
entirety and inserting in lieu thereof the following:

                                       21

<PAGE>   2

                  (a) From the date hereof through December 31, 2000, the Note
         shall bear interest on the unpaid principal balance of the amount
         advanced thereunder from the date advanced at the rate of two
         percentage points (200 basis points) in excess of the Prime Rate per
         annum. From and after January 2, 2001, the Note shall bear interest on
         the unpaid principal balance of the amount advanced thereunder from the
         date advanced until payment in full at the rate of two and one-half
         percentage points (250 basis points) in excess of the Prime Rate per
         annum. All such accrued and unpaid interest shall be payable monthly on
         the first day of each month in each year, commending March 1, 2000, and
         until payment in full. Interest will be computed on an Annual/360 Day
         Basis. Any change in the interest rate on the Note because of a change
         in the Prime Rate shall take effect on the effective date of such
         change in the Prime Rate as announced to the Lender without notice to
         the Borrower and without any further action by the Lender.

         5. Borrower agrees that in addition to any financial statements and
other financial information required under Section 5.5 of the Credit Agreement,
Borrower shall provide to Lender monthly financial statements of the Borrower no
later than the twentieth (20th) day of each month for the immediately preceding
month.

         6. The Credit Agreement is hereby amended by deleting Section 5.15(a)
in its entirety.

         7. The Credit Agreement is hereby amended by deleting Section 5.15(c)
in its entirety and inserting in lieu thereof the following:

                  (c) DEBT SERVICE COVERAGE RATIO. Not permit its ratio of Net
         Income Available for Debt Service for any four consecutive fiscal
         quarters to (i) Interest Expense and Operating Lease Payments for such
         period plus (ii) Principal Maturities for the next succeeding four
         fiscal quarters following the date of determination plus (iii) 20% of
         the outstanding Obligations as of the date of determination to be less
         than 0.95 to 1.0 at any time. Debt Service Coverage Ratio shall be
         tested each fiscal quarter commencing December 31, 2000.

         8. The Credit Agreement is hereby amended by adding the following as
Section 5.15(o) thereto:

                  CURRENT RATIO. Maintain at all times a Current Ratio of at
         least 0.50 to 1.0. As used herein, "Current Ratio" shall mean the ratio
         of (a) Current Assets to (b) Current Liabilities. Current Ratio shall
         be tested each fiscal quarter. As used herein, "Current Assets" shall
         mean, at any date, the amount which, in conformity with GAAP consistent
         with the 1999 presentation, would be set forth opposite the caption
         "total current assets" (or any like caption) on Borrower's balance
         sheet. As used herein "Current Liabilities" shall mean, at any date,
         the amount which, in conformity with GAAP consistent with the 1999
         presentation, would be set forth opposite the caption "total current
         liabilities" (or any like caption) on Borrower's balance sheet.

         9. The Credit Agreement is hereby amended by adding the following as
Section 5.15(p) thereto:

                  EBITDA. Not permit EBITDA to be less than $590,000 for any
         period of four consecutive fiscal quarters. EBITDA shall be tested each
         quarter commencing December 31, 2000. As used herein, "EBITDA" shall
         mean Borrower's earnings before interest, taxes, depreciation,
         amortization and non-cash charges arising from SFAS 121 (Impairment of
         Long Term Assets).

         10. The Credit Agreement is hereby amended by deleting Section 5.15(q)
in its entirety.

         11. Notwithstanding anything to the contrary set forth in the Credit
Documents, Lender hereby consents to the indebtedness of Borrower to General
Electric Capital Corporation not exceeding $1,500,000 and to Amembal not
exceeding $450,000.

                                       22

<PAGE>   3

         12. Notwithstanding anything to the contrary set forth in the Credit
Documents, the obligations of Borrower pursuant to the Credit Documents are
secured by certain collateral as more particularly set forth in that certain
Security Agreement of even date herewith, that certain Assignment and Pledge of
Deposit Accounts of even date herewith, and certain UCC-1 Financing Statements,
each executed by Borrower and delivered to Lender.

         13. Borrower also agrees to pay the Lender a $9,562.50 renewal and
modification fee, a fee equal to one hundred seventy-five (175) basis points of
all Letter of Credit Borrowings, and to directly pay and reimburse the Lender
for all expenses, including the reasonable fees and expenses of legal counsel,
incurred by the Lender in connection with the preparation of the documentation
to evidence this Modification.

         14. Borrower represents and warrants to the Lender that all
representations and warranties given by the Borrower to the Lender in Article
III of the Credit Agreement are true and correct as of the date hereof, except
to the extent affected by this Modification.

         15. Except as herein modified, the Credit Agreement shall remain in
full force and effect, and the Credit Agreement as so modified, is hereby
ratified and affirmed in all respects. The Borrower confirms that it has no
offsets or defenses with respect to its obligations pursuant to the Credit
Agreement, as herein modified, and represents that this Modification has been
duly authorized, executed and delivered pursuant to all necessary action of the
Borrower.

         16. This Modification shall inure to the benefit of and be binding upon
the parties hereto, and their respective successors and assignors.

         17. This Modification may be executed in counterparts, each of which
shall be an original, but all of which when taken together shall constitute one
and the same instrument.

         18. The Borrower irrevocably (a) acknowledges that this Modification
will be accepted by the Lender and performed by the Borrower in the State of
Alabama; (b) submits to the jurisdiction of each state or federal court sitting
in Jefferson County, Alabama (collectively, the "Courts") over any suit, action
or proceeding arising out of or relating to this Modification or any of the
other Credit Documents (an "Action"); (c) waives, to the fullest extent
permitted by law, any objection or defense that the Borrower may now or
hereafter have based on improper venue, lack of personal jurisdiction,
inconvenience of forum or any similar matter in any Action brought in any of the
Courts; (d) agrees that final judgment in any Action brought in any of the
Courts shall be conclusive and binding upon the Borrower and may be enforced in
any other court to the jurisdiction of which the Borrower is subject, by a suit
upon such judgment; (e) consents to the service of process on the Borrower in
any Action by the mailing of a copy thereof by registered or certified mail,
postage prepaid, to the Borrower at the Borrower's address designated in or
pursuant to Section 7.1; (f) agrees that service in accordance with Section
7.14(e) of the Credit Amendment shall in every respect be effective and binding
on the Borrower to the same extent as though served on the Borrower in person by
a person duly authorized to serve such process; and (g) AGREES THAT THE
PROVISIONS OF THIS PARAGRAPH, EVEN IF FOUND NOT TO BE STRICTLY ENFORCEABLE BY
ANY COURT, SHALL CONSTITUTE "FAIR WARNING" TO THE BORROWER THAT THE EXECUTION OF
THIS MODIFICATION MAY SUBJECT THE BORROWER TO THE JURISDICTION OF EACH STATE OR
FEDERAL COURT SITTING IN JEFFERSON COUNTY, ALABAMA WITH RESPECT TO ANY ACTIONS,
AND THAT IT IS FORESEEABLE BY THE BORROWER THAT THE BORROWER MAY BE SUBJECTED TO
THE JURISDICTION OF SUCH COURTS AND MAY BE SUED IN THE STATE OF ALABAMA IN ANY
ACTIONS. Nothing in this Paragraph shall limit or restrict the Lender's right to
serve process or bring Actions in courts otherwise than as herein provided.

         19. The exercise by the Lender of any option given to it under the
Credit Agreement shall not constitute a waiver of the right to exercise any
other option. No failure or delay on the part of the Lender in exercising any
right, power or remedy under the Credit Agreement shall operate as a waiver
thereof, nor shall any single or partial exercise

                                       23

<PAGE>   4

of any such right, power or remedy preclude any further exercise thereof or the
exercise of any other right, power or remedy.

         20. This Modification shall inure to the benefit of and be binding upon
the parties hereto and their respective successor and assigns.

         21. Inapplicability or unenforceability of any provisions of this
Modification shall not limit or impair the operation or the validity of any
other provision of this Modification.

         IN WITNESS WHEREOF, the parties have caused this Modification to be
duly executed under seal as of the day and year first above written.

                         BORROWER:
                         WALL STREET DELI, INC.,
                         a Delaware corporation

                         By:            /S/ THOMAS J. SANDEMAN
                            ----------------------------------------------------
                         Printed Name:      Thomas J. Sandeman
                                      ------------------------------------------
                         Its:              CFO
                             ---------------------------------------------------

                                                          [Affix corporate seal]

                         Attest:            /S/ LESLIE CORDOVA
                                ------------------------------------------------
                         Printed Name:        Leslie Cordova
                                      ------------------------------------------
                         Title:         Director of POS Operations
                             ---------------------------------------------------
                                                          [Affix corporate seal]

STATE OF ALABAMA                    )
COUNTY OF JEFFERSON                 )

         I, the undersigned, a Notary Public in and for said County, in said
State, hereby certify that Thomas J. Sandeman whose name as CFO of Wall Street
Deli, Inc., a Delaware corporation, is signed to the foregoing instrument, and
who is known to me, acknowledged before me on this day that, being informed of
the contents of the instrument, s/he, as such officer and with full authority,
executed the same voluntarily on the day the same bears date.

         Given under my hand and official seal, this 7th day of November, 2000.

                                        /S/ DENISE MITCHELL
                                    --------------------------------------
                                    Notary Public
                                    My commission expires:    Feb. 4, 2004
                                                          ----------------
[SEAL]

                           LENDER:
                           AMSOUTH BANK,
                           an Alabama banking corporation
                           By:             /S/ DARLENE E. CHANDLER
                              --------------------------------------------------
                           Printed Name:     Darlene E. Chandler
                                        ----------------------------------------
                           Title:         Vice President
                                 -----------------------------------------------

                                       24

<PAGE>   5

STATE OF ALABAMA                    )
COUNTY OF JEFFERSON                 )

         I, the undersigned, a Notary Public in and for said County, in said
State, hereby certify Darlene E. Chandler whose name as Vice President of
AmSouth Bank, an Alabama banking corporation, is signed to the foregoing
instrument, and who is known to me, acknowledged before me on this day that,
being informed of the contents of the instrument, s/he, as such officer and with
full authority, executed the same voluntarily on the day the same bears date.

         Given under my hand and official seal, this 10th day of November, 2000.

                                                /S/ JOEL A. PRICE, JR.
                                           ----------------------------------
                                           Notary Public
                                           My commission expires:    12-19-01
                                                                 ------------
[SEAL]

                                       25

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00020-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00020-of-00352.parquet"}]]