Document:

<PAGE>

                                                                    EXHIBIT 4.13

                                                      Account No. ______________

                               ACCEPTANCE OF OFFER

      The undersigned hereby agrees to purchase, at par, $______________________
in aggregate principal amount of the following securities (the "Securities") of
FNB Financial Services, LP (the "Company") offered pursuant to the Prospectus
dated __________________________, 2005 (as the same may be amended, modified or
supplemented, the "Prospectus"), receipt of which is hereby acknowledged:

      Security: ________________________________________________________________
                      Nonnegotiable Subordinated Term Note ("Term Note") or
                     Nonnegotiable Subordinated Daily Note ("Daily Note")

      Term: ____________________________________________________________________
                      For Term Notes only; 3, 6, 9, 12, 15, 18, 21, 24,
                               27, 30, 36, 48, 60, 84 or 120

      Interest Rate: ___________________________________________________________
                            Fixed for Term Notes; Initial for Daily Note

      Registration Code:  ______________________  Account Type: ________________
                                IN; JT; UTMA                        P; B; O

The name(s) and address in which the Securities being purchased by the
undersigned are to be registered are as follows (all persons so named must
execute this Acceptance of Offer):

_____________________________________________

_____________________________________________   Soc. Sec. or E.I. No.

_____________________________________________   #_______________________________

_____________________________________________   Telephone No. __________________

EACH UNDERSIGNED HEREBY REPRESENTS AND WARRANTS THAT he/she has received a copy
of the Prospectus.

EACH UNDERSIGNED HEREBY AGREES THAT ALL Securities purchased hereby, whether
Term Notes or Daily Notes, are subjected to all the term and conditions
including, without limitation, subordination of the indebtedness evidenced
thereby, as set forth in the Prospectus and the Indenture dated as of January
____, 2005, among the Company, F.N.B. Corporation as Guarantor, and J.P. Morgan
Trust Company, National Association, as Trustee.

THIS SECURITY IS NOT A SAVINGS ACCOUNT OR AN OBLIGATION OF AN INSURED DEPOSITORY
INSTITUTION AND IS NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION
(FDIC).

By executing this ACCEPTANCE OF OFFER, I (we), under penalty of perjury, certify
that: (1) the number shown on this form is my (our) correct taxpayer
identification number (T.I.N.) and (2) I (we) am (are) not subject to backup
withholding either because of (a) I (we) am (are) exempt from backup
withholding, or (b) I (we) have not been notified by the Internal Revenue
Service that I (we) am (are) subject to backup withholding as a result of a
failure to report all interest or dividends, or (c) the IRS has notified me (us)
that I (we) am (are) no longer subject to backup withholding. (If you have been
notified by the IRS that you are subject to backup withholding, delete the
language in (2) above.), and (3) I (we) am (are) a U.S. person (including a U.S.
resident alien).

TERM NOTE INTEREST ELECTION (CHECK ONE)   ______________________________________

<TABLE>
<S>                                     <C>                <C>
1.    MONTHLY CHECK       ____          (3/120 MO.)        ____________________________________________________________

2.    QUARTERLY CHECK     ____          (9-120 MO.)        ____________________________________________________________

3.    COMPOUND QUARTERLY                (9-120 MO.)        ____________________________________________________________
                                                           (This Purchase Agreement must be executed by all persons whose
                                                            names are to appear on the Securities purchased hereby)
4.    PAID AT MATURITY    ____          (3-6 M).)

5.    MONTHLY DEPOSIT                                      Date: _______________________________________________________
      TO DAILY NOTE       ____          (3-120 MO.)

      DAILY NOTE NUMBER ____________________               Opened By: ___________________

</TABLE>Exhibit 10.1

                                 LIMITED CONSENT

     THIS LIMITED CONSENT (this "Consent") is made as of the 14th day of
January, 2005, among KRISPY KREME DOUGHNUT CORPORATION, a North Carolina
corporation (the "Borrower"), KRISPY KREME DOUGHNUTS, INC., a North Carolina
corporation (the "Parent"), FREEDOM RINGS, LLC, a Delaware limited liability
company, and GOLDEN GATE DOUGHNUTS, LLC, a North Carolina corporation
(collectively, the "Subsidiary Guarantors"), MONTANA MILLS BREAD CO., INC., a
Delaware corporation (the "Affiliate Guarantor", and, collectively with the
Parent and the Subsidiary Guarantors, the "Guarantors"), the LENDERS party
hereto (the "Lenders"), BRANCH BANKING AND TRUST COMPANY, as Syndication Agent,
BANK OF AMERICA, N.A. and ROYAL BANK OF CANADA, as Co-Documentation Agents, and
WACHOVIA BANK, NATIONAL ASSOCIATION, as Administrative Agent (the
"Administrative Agent") and the Issuing Lender (the "Issuing Lender").

                                R E C I T A L S:

     The Borrower, the Administrative Agent, the Issuing Lender and the Lenders
have entered into that certain $150,000,000 Credit Agreement dated as of October
31, 2003, as amended by that certain First Amendment to Credit Agreement dated
November, 2003 (as so amended, the "Credit Agreement"). Capitalized terms used
in this Consent which are not otherwise defined in this Consent shall have the
respective meanings assigned to them in the Credit Agreement.

     The Borrower has failed to deliver financial statements and a Compliance
Certificate for the Fiscal Quarter ended October 31, 2004 (the "Required
Financial Information") as required by Sections 6.01(b) and 6.01(c) of the
Credit Agreement (the "Existing Defaults").

     The Borrower has requested the Administrative Agent, the Issuing Lender and
the Lenders to provide this limited consent to a delay in delivery of the
Required Financial Information and the extension of the applicable grace period
with respect to the Existing Defaults under Section 8.01(c) of the Credit
Agreement arising from the failure to deliver the Required Financial
Information, such consent to be subject to certain terms and conditions as
specifically set forth herein.

     NOW, THEREFORE, in consideration of the Recitals and the mutual promises
contained herein and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged by each of the parties hereto, the
parties hereto intending to be legally bound hereby, agree as follows:

     SECTION 1. Recitals. The Recitals are incorporated herein by reference and
shall be deemed to be a part of this Consent.

                                      -1-
<PAGE>

     SECTION 2. Limited Consent.

     (a) Upon the satisfaction of the conditions contained in Section 4, but
with effect on and after the date hereof, the Administrative Agent, the Lenders
and the Issuing Lender hereby consent to the extension to January 24, 2005 of
the applicable 30-day grace period under Section 8.01(c) of the Credit Agreement
insofar as that period relates to the delivery of the Required Financial
Information under either Section 6.01(b) or 6.01(c), of the Credit Agreement.

     (b) The consent granted in clause (a) above shall be limited solely to the
delivery of the Required Financial Information and shall not be deemed to (i) be
a waiver of or consent to any deviation from or modification or amendment of any
other Default which has occurred and is continuing or which shall have occurred
at any time prior to the date hereof, or of any other term or condition of the
Credit Agreement, or of any default under any instruments or agreements referred
to herein or therein, or (ii) prejudice in any way any right or rights which the
Administrative Agent, the Issuing Lender or the Lenders may now have or may have
in the future under or in connection with the Credit Agreement or any
instruments or agreements referred to herein or therein or executed in
connection herewith or therewith. The consent set forth in clause (a) above
shall not at any time or in any way obligate the Administrative Agent, the
Issuing Lender or the Lenders to grant any other approval, waiver, or consent
hereinafter requested by the Borrower.

     (c) Except as specifically provided herein, the Administrative Agent, the
Issuing Lender and the Lenders expressly reserve all of their rights and
remedies available to them under the Credit Agreement and applicable law.

     SECTION 3. Other Agreements.

     (a) The Borrower hereby acknowledges that (i) the limited consent granted
in Section 2(a) above is an extension of the applicable 30-day grace period
under Section 8.01(c) of the Credit Agreement and shall not be deemed to be a
waiver of the Existing Defaults and (ii) the Borrower shall continue to be in
Default under the Credit Agreement until such Required Financial Information is
delivered pursuant to the terms of the Credit Agreement.

     (b) The Borrower hereby agrees, and the Administrative Agent, Issuing
Lender and the Lenders hereby acknowledge, that until the Borrower delivers the
Required Financial Information, the provisions of the Credit Agreement that
apply (i) after the occurrence and/or during the continuance of a Default and
(ii) during the period from the date such Required Financial Information was due
to the date such Required Financial Information is delivered, shall continue to
apply.

     (c) Without in any way limiting the application of clause (b) above, the
Borrower specifically acknowledges that, as provided in the Credit Agreement, so
long as the Existing Defaults continue, no Borrowings will be permitted, nor new
Letters of Credit issued, under the Credit Agreement.

                                      -2-
<PAGE>

     (d) The Borrower hereby agrees that if the Required Financial Information
has not been received by the Administrative Agent and each of the Lenders on or
before January 24, 2005 such failure to make such delivery in compliance with
Sections 6.01(b) and 6.01(c) of the Credit Agreement shall permit the exercise
of all rights and remedies of the Administrative Agent, the Issuing Lender and
the Lenders arising from such failure.

     SECTION 4. Conditions to Effectiveness. The effectiveness of this Consent
is subject to satisfaction of the following conditions:

     (a) receipt by the Administrative Agent from each of the Borrower, the
Guarantors and the Required Lenders of a duly executed counterpart of this
Consent signed by such party;

     (b) the fact that the representations and warranties of each of the
Borrower and the Guarantors contained in Section 6 of this Consent shall be true
on and as of the date hereof; and

     (c) receipt by the Administrative Agent from the Borrower for the ratable
account of the Lenders executing this Consent of fees in an amount equal to
$50,000.

     SECTION 5. Limitations. Except as herein provided, the Loan Documents shall
remain unchanged and in full force and effect. The consent granted herein is
limited solely to the Existing Defaults. This Consent is not intended to effect,
nor shall be construed as, a novation. The Credit Agreement and this Consent
shall be construed together as a single agreement. Nothing herein contained
shall waive, annul, vary or affect any provision, condition, covenant or
agreement contained in the Credit Agreement, nor affect or impair any rights,
powers or remedies under the Credit Agreement, except as herein provided. Except
as expressly provided herein, the Lenders, the Issuing Lender and the
Administrative Agent do hereby reserve all of their rights and remedies against
all parties who may be or may hereafter become secondarily liable for the
repayment of the Obligations. The Borrower and each of the Guarantors promise
and agree to perform all of the requirements, conditions, agreements and
obligations under the terms of each Loan Document to which it is a party, such
Loan Documents being hereby ratified and affirmed.

     SECTION 6. Representations and Warranties. The Borrower and each of the
Guarantors hereby represent and warrant to the Administrative Agent, the Issuing
Bank and each of the Lenders as follows:

     (a) To the best of their knowledge and belief after reasonably diligent
inquiry, and except for those matters described and referred to in the Form 8-K
dated January 4, 2005, filed by the Borrower under the Exchange Act, Borrower is
in compliance as of the date hereof with the financial covenants contained in
Section 7.13 of the Credit Agreement.

     (b) The Borrower and each of the Guarantors have the power and authority to
enter into this Consent and to do all acts and things as are required or
contemplated hereunder to be done, observed and performed by it.

                                      -3-
<PAGE>

     (c) This Consent has been duly authorized, validly executed and delivered
by one or more authorized officers of each of the Borrower and the Guarantors
and constitutes the legal, valid and binding obligation of each of the Borrower
and the Guarantors, enforceable against each of the Borrower and the Guarantors
in accordance with its terms, provided that such enforceability is subject to
general principles of equity.

     (d) The execution and delivery of this Consent and the performance by each
of the Borrower and the Guarantors of its obligations hereunder do not and will
not require the consent or approval of any regulatory authority or governmental
authority or agency having jurisdiction over the Borrower or any Guarantor, nor
be in contravention of or in conflict with the certificate of incorporation or
bylaws of the Borrower or any Guarantor, or the provision of any statute, or any
judgment, order, indenture, instrument, agreement or undertaking, to which the
Borrower or any Guarantor is party or by which the Borrower's or any Guarantor's
assets or properties are or may become bound.

     SECTION 7. Counterparts. This Consent may be executed in multiple
counterparts, each of which shall be deemed to be an original and all of which,
taken together, shall constitute one and the same agreement.

     SECTION 8. Governing Law. This Consent shall be construed in accordance
with and governed by the law of the State of North Carolina (without giving
effect to its conflict of laws rules).

     SECTION 9. Headings. Section headings in this Consent are included herein
for convenience of reference only and shall not constitute a part of this
Consent for any other purposes.

     Section 10. Joinder of Existing Guarantors. Each Guarantor confirms,
acknowledges and agrees that each Loan Document to which it is a party is and
remains in full force and effect and shall cover the Obligations as modified by
this Consent. Each Guarantor promises and agrees to perform all of the
requirements, conditions, agreements and obligations under the terms of its
Guaranty, said Guaranty being hereby ratified and affirmed. Except as expressly
provided herein, no Loan Document shall in any way be impaired, discharged,
diminished, or released by this Consent.

                     [SIGNATURES APPEAR ON FOLLOWING PAGES]

                                      -4-
<PAGE>

     IN WITNESS WHEREOF, the parties hereto have executed and delivered, or have
caused their respective duly authorized officers or representatives to execute
and deliver, this Consent as of the day and year first above written.

                                        BORROWER:

                                        KRISPY KREME DOUGHNUT
                                        CORPORATION

                                        By:      /s/ Michael C. Phalen
                                        Title:   Chief Financial Officer

                                      -5-
<PAGE>

                                  ADMINISTRATIVE AGENT:

                                  WACHOVIA BANK, NATIONAL ASSOCIATION,
                                  as Administrative Agent, an Issuing Lender
                                  and as a Lender

                                  By:      /s/ Richard B. Macon
                                  Title:   Senior Vice President

                                  LENDERS:

                                  BRANCH BANKING AND TRUST COMPANY,
                                  as Syndication Agent and as a Lender
                                  By:      /s/ J. Tol Broome, Jr.
                                  Title:   Executive Vice President

                                  BANK OF AMERICA, N.A.,
                                  as Co-Documentation Agent and as a Lender

                                  By:      /s/ J. Thomas Johnson
                                  Title:   Senior Vice President

                                  ROYAL BANK OF CANADA,
                                  as Co-Documentation Agent and as a Lender

                                  By:      /s/ G. MacArthur
                                  Title:   Authorized Signatory

                                  CIBC INC.,
                                  as a Lender
                                  By:_______________________________________
                                  Title:____________________________________

                                  THE BANK OF NOVA SCOTIA,
                                  as a Lender

                                  By:      /s/ Chris J. Allen
                                  Title:   Managing Director and Office Head

                                      -6-
<PAGE>

     This Consent is hereby acknowledged by, consented and agreed to, and duly
executed and delivered as of the day and year first above.

                                  GUARANTORS:

                                  KRISPY KREME DOUGHNUTS, INC.

                                  By:      /s/ Michael C. Phalen     (SEAL)
                                  Title:   Chief Financial Officer

                                  FREEDOM RINGS, LLC

                                  By:      /s/ Sherry Polonsky     (SEAL)
                                  Title:   Manager

                                  MONTANA MILLS BREAD CO., INC.

                                  By:      /s/ Michael C. Phalen     (SEAL)
                                  Title:   Vice President and Treasurer

                                  GOLDEN GATE DOUGHNUTS, LLC

                                  By:      /s/ Sherry Polonsky     (SEAL)
                                  Title:   Manager

                                      -7-

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