Document:

<PAGE>

                          AMENDED EMPLOYMENT AGREEMENT

     THIS AMENDED EMPLOYMENT AGREEMENT is being entered into as of this 29th day
of November, 1999, by and between DELSOFT CONSULTING, INC., a Georgia
corporation with principal offices at 106 Bombay Lane, Roswell, Georgia 30076
(hereinafter called the "Company"), and BENJAMIN GIACCHINO, residing at 404
Crabapple Springs Court, Woodstock, Georgia (hereinafter called the "Employee").

1.   POSITION; DUTIES.

     Employee shall handle Investor Relations for the Company. As such, Employee
shall report to the Board of Directors of the Company. Employee shall use his
best efforts to perform the duties generally associated with this position and
as are reasonably assigned by the Board of Directors of the Company. Employee
shall in good faith devote his full time and best efforts during regular
business hours to the performance of his duties hereunder, and shall not
actively engage in any other business in any capacity whatsoever, except upon
the written approval of the Board of Directors of the Company.

2.   TERM OF EMPLOYMENT AGREEMENT; EXTENSION.

     The term of this Amended Employment Agreement shall begin as of December 1,
1999, and terminate as of the close of business on November 30, 2002. On
December 1, 2002, and on each anniversary thereof, the term of this Amended
Employment Agreement shall be automatically extended one year unless, not less
than 90 days prior thereto, the Company notifies Employee that it is electing
not to so extend the term of this Amended Employment Agreement. The term of this
Amended Employment Agreement shall automatically terminate upon any termination
of this Amended Employment Agreement pursuant to Section 4.

3.   COMPENSATION AND BENEFITS.

     a. Base Salary. Employee's salary shall not be less than $142,000 per year,
payable in accordance with the Company's normal pay practices. Employee shall be
entitled to an annual increase equal to 5% of his base salary for the prior
year.

     b. Bonus. Employee shall continue to receive on an annual basis an option,
in substantially the form attached hereto as Schedule A, to purchase twenty five
thousand (25,000) shares of Company stock at a price equal to the fair market
value of the Company stock on the calendar date Employee was granted such
option.

     d. Fringe Benefits. Employee shall be entitled to participate and receive
benefits under the Company employee and fringe benefit plans and arrangements.
Employee will also participate in the Company Director and Officer Insurance,
plus two times Base Salary of life insurance.

     d. Company Automobile. Employee will be provided with a Company automobile
in accordance with the Company Car policy.

     e. Vacation. Employee shall be eligible for four (4) weeks of vacation,
plus five (5) sick days and Company holidays, annually. In addition, Employee
will be included in the Company Vacation Carry-over Policy.

<PAGE>

4.   Termination.

     a. Death. This Amended Employment Agreement shall terminate upon Employee's
death. Upon such termination, the Company shall pay to Employee's estate (or as
Employee or his estate shall otherwise direct) Employee's base salary through
the end of the calendar month in which Employee's death occurs and will use its
reasonable efforts to assist in the prompt processing of claims under applicable
employee benefit plans.

     b. Cause. This Amended Employment Agreement may be terminated by the
Company by written notice to Employee for cause as defined in this section.
Cause means willful misconduct, injurious to the Company and of a material
nature, gross negligence of duties, or material breach of this Agreement.

     c. Other. The Employee may terminate this Amended Employment Agreement by a
30 day written notice to the Company at any time. If the Employee elects to
terminate this Amended Employment Agreement, the Company shall pay Employee his
base salary in accordance with Section 3(a) for six (6) months following the
Date of Termination and continue Employee's health and welfare benefits for six
(6) months following the Date of Termination on substantially the same basis as
existed on the Date of Termination.

     d. Election not to extend. If the Company elects not to extend the term of
this Amended Employment Agreement pursuant to Section 2, the Company shall pay
Employee his base salary in accordance with Section 3(a) for twelve (12) months
following the Date of Termination and continue Employee's health and welfare
benefits for six (6) months following the Date of Termination on substantially
the same basis as existed on the Date of Termination.

     e. Date and Effect of Termination. The Date of Termination of this Amended
Employment Agreement shall be (i) in the case of Section 4(a), the date of
Employee's death; (ii) in the case of a termination of this Employment Agreement
pursuant to Sections 4(b) or 4(c), the date specified in the Company's or
Employee's notice of such termination; or (iii) in the case of the Company's
election not to extend the term of this Amended Employment Agreement pursuant to
Section 2, the last date of the term of this Amended Employment Agreement. Upon
any termination of this Amended Employment Agreement pursuant to this Section 4
or election not to extend the term of this Amended Employment Agreement pursuant
to Section 2, Employee shall not be entitled to any further payments or benefits
of any nature pursuant to this Amended Employment Agreement, or as a result of
such termination Or election, except as specifically provided for in this
Amended Employment Agreement. Sections 5, 6, 7, 8, and 9 (and to the extent
applicable thereto, Sections 10, 11, 12, and 13) shall survive any termination
of this Amended Employment Agreement pursuant to this Section 4 or election not
to extend the term of this Amended Employment Agreement pursuant to Section 2.

5.   CONFIDENTIALITY.

     During the term of this Amended Employment Agreement and for a period of
two (2) years following the termination of such employment for any reason
whatsoever, Employee will not divulge to anyone or use for his own benefit or
the benefit of any third party any confidential information of the Company or
any of its subsidiaries (including, without limitation, all technical designs
and specifications, trade secrets, financial data and marketing strategies)
learned by Employee in connection with the performance of his duties hereunder
unless (a) any such information becomes generally available to the public other
than as a result of disclosure by Employee, and/or (b) Employee is requested or
required (by oral question, interrogatories, requests for information or
documents, subpoena, civil investigative demand or similar process) to disclose
any such information, in which case Employee will (i) promptly notify the
Company of such request or requirement, so that the Company may seek an
appropriate protective order, and (ii) cooperate with the Company, at its
expense, in seeking such an order. Upon termination of this Amended Employment
Agreement, Employee shall promptly deliver to the Company all confidential
information of the Company or any of its subsidiaries.

<PAGE>

6.   NONCOMPETITION.

     During the term of this Amended Employment Agreement and for a period of
two (2) years following the termination of such employment for any reason
whatsoever, the Employee will not, directly or indirectly, engage or participate
in as owner, officer, director, manager, employee, consultant or otherwise, or
have any financial interest in, or aid or assist anyone else in the conduct of,
any business which competes with, or is substantially the same as, the business
conducted by or contemplated by the Company or any of its subsidiaries during
the term of this Amended Employment Agreement; provided, however, that
Employee's ownership of not more than 5 percent (5%) of the securities of any
corporation or other entity which are traded on any national securities market
or in the over-the-counter market shall not constitute a violation of this
Section 6.

7.   NONSOLICITATION OF EMPLOYEES.

     During the term of this Amended Employment Agreement and for a period of
two (2) years following the Date of Termination of this Amended Employment
Agreement for any reason whatsoever, Employee will not, either directly or
indirectly, on the Employee's own behalf or on behalf of others, solicit, divert
or hire, any person employed by the Company at any location where the Employee
performed services for the Corporation or any person with whom the Employee had
regular contact in the course of his employment by the Company, whether or not
the employment of any such person is pursuant to a written agreement, for a
determined period or at will.

8.   NONSOLICITATION OF CUSTOMERS.

     During the term of this Amended Employment Agreement and for a period of
two (2) years following the Date of Termination of this Amended Employment
Agreement for any reason whatsoever, Employee will not (except on behalf of or
with the prior written consent of the Corporation), either directly or
indirectly, on the Employee's own behalf or on behalf of others, (1) solicit,
divert, appropriate to, or accept on behalf of any business which competes with,
or is substantially the same as, the business conducted by or contemplated by
the Company or any of its subsidiaries during the term of this Amended
Employment Agreement, any business from any customer or actively sought
prospective customer of the Company with whom the Employee has had regular
contact, and/or whose contacts with the Company have been supervised by the
Employee.

9.   EQUITABLE RELIEF.

     Employee: (i) acknowledges that any breach or attempted breach of the
provisions of any of Sections 5, 6, 7, or 8 will cause immediate and irreparable
harm to the Company and that a remedy at law for any such breach or attempted
breach shall be inadequate; (ii) agrees that the Company shall be entitled to
temporary or permanent injunctive relief with respect to any such breach or
attempted breach (in addition to any other remedies, at law or in equity as may
be available to it with respect to any such breach or attempted breach); and
(iii) agrees to waive any requirements for the securing or posting of any bond
in connection with the obtaining of any such injunctive or other equitable
relief. If any term, provision, covenant or restriction in Sections 5, 6, 7 or 8
is held by a court of competent jurisdiction to be invalid, void or
unenforceable, and such court of competent jurisdiction is so authorized by
state or common law, such term, provision, covenant or restriction shall be
deemed amended to the extent required to render it valid, binding and
enforceable.

10.  SUCCESSORS; AMENDMENT; NOTICE.

     This Amended Employment Agreement shall be binding upon and shall inure to
the benefit of the Company and its successors and assigns. This Amended
Employment Agreement shall be binding upon Employee and shall inure to the
benefit of his heirs, executors, administrators and legal representatives, but
shall not be assignable by Employee. This Amended Employment Agreement may be
amended or altered

<PAGE>

only by the written agreement of the Company and Employee. All notices or other
communication permitted or required under this Amended Employment Agreement
shall be in writing and shall be deemed to have been duly given if delivered by
hand or mailed (certified or registered mail, postage prepaid, return receipt
requested) to Employee or the Company at the respective addresses onthe first
page of this Amended Employment Agreement, or such other address as shall be
furnished in writing by Employee or the Company to the other.

11.  ENTIRE AGREEMENT.

     This Amended Employment Agreement embodies the entire agreement and
understanding between Employee and the Company with respect to the subject
matter hereof and expressly supersedes the Employment Agreement between Employee
and the Company dated July 1, 1996.

12.  SEVERABILITY.

     If any term, provision, covenant or restriction of this Amended Employment
Agreement is held by a court of competent jurisdiction to be invalid, void or
unenforceable, the remainder of the terms, provisions, covenants and
restrictions of this Amended Employment Agreement shall remain in fall force and
effect and shall in no way be affected, impaired or invalidated.

13.  GOVERNING LAW.

     This Amended Employment Agreement shall be governed by and construed and
enforced in accordance with the laws of the State of Georgia applicable to
contracts made and to be performed in such state without giving effect to the
principles of conflicts of laws.

     IN WITNESS WHEREOF, the Company has caused this Agreement to be executed in
its name and behalf by its duly authorized officer and the Employee has hereunto
set his hand, all on the day and year first above written.

WITNESS:                                     DELSOFT CONSULTING, INC.

/s/ Adil Choksey                             /s/ Jeffrey A. Rinde
--------------------------                   ----------------------------
Adil Choksey

WITNESS:

/s/ Adil Choksey                             /s/ Benjamin Giacchino
--------------------------                   ----------------------------
Adil Choksey                                 Benjamin Giacchino

<PAGE>

                      DELSOFT CONSULTING, INC. STOCK OPTION

     A. A STOCK OPTION for a total of one hundred twenty five thousand (125,000)
shares of Common Stock, no par value, of Delsoft Consulting, Inc., a Georgia
corporation (herein the "Company") is hereby granted to BENJAMIN GIACCHINO
(herein the "Optionee"), subject in all respects to the terms and provisions of
the Delsoft Consulting, Inc. Stock Option Plan (herein the "Plan"), effective
May 1, 1997, which has been adopted by the Company and which is incorporated
herein by reference.

     B. The option price as determined by the Board of Directors of the Company
is Two Dollars ($2.00) per share,

     C. This Option may only be exercised as follows:

          (i)   up to 25,000 shares on or after July 1, 1997;

          (ii)  up to 50,000 shares on or after July 1, 1998;

          (iii) up to 75,000 shares on or after July 1, 1999;

          (iv)  up to 100,000 shares on or after July 1, 2000; and

          (v)   up to 125,000 shares on or after July 1, 2001.

     D. This Option may not be exercised if the issuance of shares of Common
Stock of the Company upon such exercise would constitute a violation of any
applicable Federal or State securities or other law or valid regulation. The
Optionee, as a condition to his exercise of this Option, shall represent to the
Company that the shares of Common Stock of the Company that he acquires under
this Option are being acquired by him for investment and not with a present view
to distribution or resale, unless counsel for the Company is then of the opinion
that such a representation is not required under the Securities Act of 1933 or
any other applicable law, regulation, or rule of any governmental agency.

     E. This Option may not be transferred in any manner otherwise than by will
or the laws of descent and distribution, and may be exercised during the
lifetime of the Optionee only by him. The terms of this Option shall be binding
upon the executors, administrators, heirs, successors, and assigns of the
Optionee.

     F. This Option may not be exercised more than ten (10) years from the date
of its grant, and may be exercised during such term only in accordance with the
terms of the Plan.

Dated: May 1, 1997

                                                Delsoft Consulting, Inc.

                                                By: /s/
                                                   -------------------------
                                                   President

ATTEST:

/s/
---------------------------

<PAGE>

     The Optionee acknowledges receipt of a copy of the Plan, a copy of which is
annexed hereto, and represents that he is familiar with the terms and provisions
of the Plan. The Optionee hereby agrees to accept as binding, conclusive, and
final all decisions and interpretations of the Board of Directors and, where
applicable, the Stock Option Plan Committee, upon any questions arising under
the Plan. As a condition to the issuance of shares of Common Stock of the
Company under this Option, the Optionee authorizes the Company to withhold in
accordance with applicable law from any regular cash compensation payable to him
any taxes required to be withheld by the Company under Federal, State, or Local
law as a result of his exercise of this Option.

Dated:                  ,1997

                                       By:
                                          -------------------------------
                                          OptioneeCollateral Assignment of Deposit                                 [WACHOVIA LOGO]

Primary Borrower: American Consumers, Inc.        Acct. No.: 002 050 000 150 3

     The undersigned, American Consumers, Inc. (hereinafter collectively and/or
individually referred to as "Pledgor") for value received and in consideration
of extensions of credit as may from time to time be made by Wachovia Bank, N.A.,
a national banking association (hereinafter referred to as "Lender"), to
Pledgor, either directly or indirectly, and/or American Consumers, Inc.
(hereinafter collectively and/or individually referred to as "Borrower"), and to
secure any existing or future indebtedness, liability or obligation whatsoever
of Pledgor and/or Borrower to Lender, whether absolute or contingent, and
whether incurred as principal, maker, endorser, surety, account party or
otherwise (hereinafter collectively referred to as the "Obligations"), Pledgor
hereby pledges, transfers, sets over, assigns and conveys to Lender, and grants
Lender a security interest in and on Certificate of Deposit account number
6390610 standing in the Pledgor's name on the books of Wachovia Bank, N.A.
(hereinafter referred to as "Financial Institution") and all Pledgor's right,
title, equity and interest therein, including, without limitation, all interest
now or hereafter accruing thereon, together with any renewals, replacements
and/or substitutions thereof, or any portion thereof and any deposits hereafter
made therein or in any renewals, replacements and/or substitutions thereof and
any and all proceeds of the foregoing (hereinafter collectively referred to as
the "Collateral"). Notwithstanding anything to the contrary contained herein,
the Collateral shall not secure such Obligations of Pledgor and Borrower to
Lender that are (i) subject to, the disclosure requirements of the Truth in
Lending Act and Federal Reserve Board Regulation Z or (ii) that are extended for
personal, family or household purposes and are subject to any state consumer
protection laws, or (iii) that are subject to the limitations specified in North
Carolina General Statutes Section 24-11, as amended from time to time, unless
specified to the contrary on the appropriate evidence of the Obligations.
Pledgor hereby irrevocably constitutes and appoints Lender its attorney in fact
to transfer said Collateral on the books of the Financial Institution, with full
power of substitution and transfer, including full power and authority to demand
and receive such Collateral, or to transfer it into Lender's name. As used
herein, the term "Obligor" shall mean any endorser, surety or guarantor of the
Obligations.

     Pledgor agrees that all or any part of the Collateral, including any
interest accrued thereon, may be redeemed, appropriated and applied to the
payment of the Obligations (even if such application and redemption shall result
in a penalty for early withdrawal), whether or not the Obligations or any part
thereof is due or payable.

     In the event a Borrower is named in the first paragraph, Pledgor consents
that, at any time, and from time to time, either with or without consideration,
the whole or any part of any security now or hereafter held for any Obligations
may be exchanged, compromised, or surrendered; the time or place of payment of
any Obligations or of any security thereof may be changed or extended, in whole
or in part, to a time certain or otherwise, and may be renewed or accelerated,
in whole or in part; Borrower may be granted indulgences generally; any of the
provisions of any note or other instrument evidencing any Obligations or any
security therefor may be modified or waived; any party liable for the payment
thereof may be granted indulgences or released; the death, termination of
existence, bankruptcy, insolvency, incapacity, lack of authority or disability
of Borrower or any Obligor shall not affect the obligations of Pledgor hereunder
and no claim need be asserted against the personal representative, guardian,
custodian, trustee or debtor in bankruptcy or receiver of any deceased,
incompetent, bankrupt or insolvent Borrower or Obligor; any deposit balance to
the credit of Borrower, Obligor or any party liable upon any security therefor
may be released, in whole or in part, at, before and/or after the stated,
extended or accelerated maturity of any Obligations; and Lender may release,
discharge, compromise or enter into any accord and satisfaction with respect to
any collateral for the Obligations, or the liability of Borrower or Obligor, all
without notice to or further assent by Pledgor, who shall remain bound hereon,
notwithstanding any such exchange, compromise, surrender, extension, renewal,
acceleration, modification, indulgence, release, discharge or accord and
satisfaction. Further, Pledgor expressly waives: (i) notice of acceptance of
this Agreement and all extensions or renewals of credit or other financial
accommodations to Borrower; (ii) presentment and demand for payment of any of
the Obligations; (iii) protest and notice of dishonor or of default to Borrower,
Obligor or to any other party with respect to any of the Obligations or with
respect to any security therefor; (iv) any invalidity or disability in whole or
in part at the time of the acceptance of, or at any time with respect to, any
security for the Obligations or with respect to any party primarily or
secondarily liable for the payment of the Obligations to Lender; (v) the fact
that any security for the Obligations may at any time or from time to time be in
default or be inaccurately estimated or may deteriorate in value for any cause
whatsoever; (vi) any diligence in the creation or perfection of a security
interest or collection or protection of or realization upon the Obligations or
any security therefor, any liability hereunder, or any party primarily or
secondarily liable for the Obligations or any lack of commercial reasonableness
in dealing with any security for the Obligations; (vii) any duty or obligation
on the part of Lender to ascertain the extent or nature of any security for the
Obligations, or any insurance or other rights respecting such security, or the
liability of any party primarily or secondarily liable for the Obligations, or
to take any steps or action to safeguard, protect, handle, obtain or convey
information respecting, or otherwise follow in any manner, any such security,
insurance or other rights; (viii) any duty or obligation of Lender to proceed to
collect the Obligations from, or to commence an action against, Borrower,
Obligor, or any other person, or to resort to any security or to any balance of
any deposit account or credit on the books of Lender in favor of Borrower,
Obligor, or any other person, despite any notice or request of Pledgor to do so;
(ix) any rights of Pledgor, if any, pursuant to Official Code of Georgia Section
10-7-24 if Georgia law is applicable to this Agreement or North Carolina General
Statutes Section 26-7 if North Carolina law is applicable to this Agreement or
any similar or subsequent law or Sections 49-25 and 49-26 of the Code of
Virginia (1950) if Virginia law is applicable to this Agreement or any similar
or subsequent law; (x) to the extent not prohibited by law, all rights of
redemption, stay, appraisal, or rights which would deny Lender a deficiency
judgment which Pledgor now has or may at any time in the future have under any
rule of law or statute now existing or hereafter enacted; (xi) except as
otherwise expressly provided herein, all other notices to which Pledgor might
otherwise be entitled; (xii) any defense as to invalidity or unenforceability of
any Obligation; (xiii) all rights of subrogation, indemnity, reimbursement or
other claims against Borrower and all rights of recourse against any property of
Borrower arising out of or related to any application of the proceeds of the
Collateral to reduce the amount owing by Borrower under the Obligations; and
(xiv) any other legal or equitable defenses whatsoever to which Pledgor might
otherwise be entitled. In addition, Pledgor hereby agrees and acknowledges that
Lender, Borrower and Obligor have not made any representations or warranties
with respect to: (i) Borrower or Obligor or the financial condition or solvency
of Borrower or Obligor, or (ii) the value or nature of any collateral in which
the Lender may have been granted a security interest.

<PAGE>

     This Collateral Assignment shall be in full force and effect until all of
the Obligations to Lender have been indefeasibly paid in full and such payments
are no longer subject to rescission, recovery or repayment upon the bankruptcy,
insolvency, reorganization, moratorium, receivership or similar proceeding
affecting Pledgor, Borrower or Obligor, and Lender shall not be obligated to
extend any further Obligations and has terminated this Assignment in writing.
This Collateral Assignment shall be governed by and construed and interpreted in
accordance with the laws of the State of Georgia and any applicable federal law.

     IN WITNESS WHEREOF, the Pledgor has caused this Collateral Assignment to be
executed under seal this 15th day of November, 1999.

If Pledgor is a corporation:                  American Consumers, Inc.
                                              ----------------------------------
                                              Name of Corporation
(Corporate Seal to be affixed here)

Attest:  /s/ Reba S. Southern                 By:  /s/ Michael A. Richardson
         -----------------------------             -----------------------------
         Secretary/Assistant Secretary             Michael A. Richardson

                                              Title: President
                                                     ---------------------------

If Pledgor is a partnership:                  ____________________________(SEAL)
                                              Name of Partnership

                                              By:
                                                  ------------------------------
                                                       General Partner

                                              By:
                                                  ------------------------------
                                                       General Partner

If Pledgor is an individual/sole proprietor:

                                                                          (SEAL)
-----------------------------------------     ----------------------------------
PLEDGOR'S Social Security Number                     Signature

                                                                          (SEAL)
-----------------------------------------     ----------------------------------
PLEDGOR'S Social Security Number                     Signature

                          ACKNOWLEDGEMENT OF ASSIGNMENT

     The Undersigned consents to, acknowledges and accepts service of the above
and foregoing assignment, and agrees to make payments to Wachovia Bank, N.A., in
accordance with the terms of said assignment, and the undersigned recognizes and
accepts the above assignment as valid and binding upon the undersigned
notwithstanding any term or language to the contrary specified on or governing
the Collateral including, but not limited to, any statement of
non-transferability. In addition, the undersigned (if other than Wachovia Bank,
N.A.) waives all claims, charges and or rights it has or may hereafter have
against the Collateral, including, but not limited to, any statutory or
contractual right or claim of offset or lien resulting from any transaction
which involves the Collateral or which arises out of any relationship that the
undersigned has or may hereafter have with any owner of the Collateral. The
value of said account on the undersigned's books as of _______________________,
is $__________________________ and there have been no withdrawals since that
date. The undersigned's records do not disclose any liens or claims of any kind
against said account except __________________________________. This __________
day of ______________________, ____________.

                                  By:   __________________________________(SEAL)

                                  Title:__________________________________

                                  By:   __________________________________(SEAL)

                                  Title:__________________________________

                              RELEASE OF ASSIGNMENT

The foregoing assignment is hereby released as of the ________ day of
___________________, ________.

                                              Wachovia Bank, N.A.

                                  By:   ________________________________________

                                  Title:________________________________________

<PAGE>

Collateral Substitution                                       [WACHOVIA LOGO]
Agreement

                                                          Date November 15, 1999
                                                               -----------------

For the purposes of this Agreement, the term "Pledgor," shall mean the party or
parties who own and have pledged the collateral referenced herein to secure the
indebtedness referenced below. If Pledgor is not the Borrower, then the Borrower
must also evidence this Agreement through his signature below.

     This Collateral Substitution Agreement entered into by and between American
Consumers, Inc. (hereinafter the "Pledgor") and Wachovia Bank, N.A. (hereinafter
the "Lender").

     WHEREAS, Pledgor and/or Borrower did on the 5th day of December, 1997,
execute and deliver to Lender a promissory note in the original Principal amount
of Eight Hundred Thousand and 00/100 -- dollars, maturing on _________________
(hereinafter the "Note") secured by certain collateral, a portion of which is as
follows:

     Certificate of Deposit #6390608

(hereinafter the "Collateral"); and

     WHEREAS, Pledgor and Borrower now request that Lender release said
Collateral and that the following property be substituted in its place:
Certificate of Deposit #6390610 (hereinafter the "New Collateral").

     NOW THEREFORE, in consideration of $1.00 in hand paid by the Pledgor to the
Lender, receipt of which is hereby acknowledged, and in further consideration of
the mutual covenants and agreements between the parties hereto, it is agreed
that:

     1. The Collateral will be released upon delivery by Pledgor to Lender of
the New Collateral, which is substituted in the place and stead of the
originally pledged collateral.

     2. The New Collateral is the Pledgor's property and title to it is vested
in Pledgor and Pledgor makes the same representations as to the New Collateral
as if it had been originally pledged as security for payment of the Note and the
New Collateral is and shall be subject to each and every term and condition of
the Note and of any security agreement executed in connection therewith, if
applicable, as if the New Collateral had been pledged had been pledged as
security for the payment of the Note at the time of its execution and delivery.

     3. Pledgor will sign such financing statement or statements or other
documents, in form satisfactory to Lender, which Lender may at any time wish to
file in order to perfect or maintain perfection of its security interest in the
New Collateral or any other property at any time hereafter pledged by Pledgor to
Lender and shall reimburse Lender for the costs of filing same. Pledgor will
execute and/or deliver to Lender any instrument, invoice, document, assignment,
receipt or other writing or do such other acts which may be necessary or
appropriate, in the sole judgement of Lender, to carry out the terms of this
Agreement, and to perfect its security interest in and facilitate the collection
of the New Collateral, the proceeds thereof, and any other property constituting
security to Lender.

     IN WITNESS WHEREOF, Pledgor, Borrower (if Pledgor and Borrower are not one
and the same) and Lender have caused this Agreement to be signed and sealed, as
of the day and year first above written.

                      Execution continues on reverse side.

<PAGE>

                         Pledgor:  /s/ Michael A. Richardson, President   (SEAL)
                                   ---------------------------------------
                                   American Consumers, Inc.

                         Pledgor:                                         (SEAL)
                                   ---------------------------------------

                         Borrower: /s/ Michael A. Richardson, President   (SEAL)
                                   ---------------------------------------
                                   American Consumers, Inc.

                         Borrower                                         (SEAL)
                                   ---------------------------------------

                         Wachovia Bank, N.A.

                         By:                                              (SEAL)
                                   ---------------------------------------
                                      Pam Garland

                         Title:    Vice President                         (SEAL)
                                   ---------------------------------------

For Bank Use Only:

Please Print:

Bank Name     Pam Garland                  Banker Phone Number    706-275-8200
          -----------------------------                       ------------------

Banker Number      60199                   Banker Fax Number        706-272-7029
              -------------------------                     --------------------

Account Number    002 050 000 150 3        Decisioning Lender Number
               ------------------------    (VA Only)

Borrower(s)      American Consumers, Inc.
                 ------------------------

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00000-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00000-of-00352.parquet"}]]