Document:

COMMERCIAL SECURITY AGREEMENT

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 PRINCIPAL   LOAN DATE   MATURITY    LOAN NO  CALL/  ACCOUNT  OFFICER  INITIALS
                                              COLL
$180,000.00  05-03-2007  05-05-2012            422              086
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  References in the shaded area are for Lender's use only and do not limit the
 applicability of this document to any particular loan or item. Any item above
      containing "* * * " has been omitted due to text length limitations.
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GRANTOR: AMERICAN CONSUMERS. INC. DBA SHOP RITE     LENDER: GATEWAY BANK & TRUST
         55 HANNAH WAY                                      MAIN
         ROSSVILLE, GA 30741                                5102 ALABAMA HWY
                                                            RINGGOLD, GA 30736
                                                            (706) 965-5500

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THIS  COMMERCIAL  SECURITY  AGREEMENT  dated  May  3, 2007, is made and executed
between  AMERICAN  CONSUMERS,  INC. DBA SHOP RITE ("Grantor") and GATEWAY BANK &
TRUST  ("Lender").

GRANT OF SECURITY INTEREST. For valuable consideration, Grantor grants to Lender
a security interest in the Collateral to secure the Indebtedness and agrees that
Lender  shall  have  the  rights  stated  in  this Agreement with respect to the
Collateral,  in  addition  to  all  other  rights  which Lender may have by law.

COLLATERAL  DESCRIPTION.  The  word "Collateral" as used in this Agreement means
the  following  described  property,  whether  now  owned or hereafter acquired,
whether  now  existing  or  hereafter  arising,  and  wherever located, in which
Grantor  is  giving  to  Lender  a  security  interest  for  the  payment of the
Indebtedness  and  performance  of all other obligations under the Note and this
Agreement:

     UCC  ON  ALL  BUSINESS  ASSETS,  INCLUDING  BUT  NOT  LIMITED TO: ACCOUNTS,
     A/R,  CASH FLOW, INVENTORY, FURNITURE, FIXTURES, EQUIPMENT, REFIRIGERATORS,
     FREEZERS,  MACHINERY,  COMPUTERS,  REGISTERS,  LEASEHOLD  IMPROVEMENTS.

In  addition, the word "Collateral" also includes all the following, whether now
owned  or  hereafter  acquired,  whether  now existing or hereafter arising, and
wherever  located:

     (A)  All  accessions,  attachments,  accessories,  replacements  of  and
     additions  to  any of the collateral described herein, whether added now or
     later.

     (B)  All  products  and  produce  of  any of the property described in this
     Collateral  section.

     (C)  All  accounts,  general  intangibles,  instruments,  rents,  monies,
     payments,  and  all other rights, arising out of a sale, lease, consignment
     or  other  disposition  of any of the property described in this Collateral
     section.

     (D)  All  proceeds  (including  insurance  proceeds)  from  the  sale,
     destruction, loss, or other disposition of any of the property described in
     this Collateral section, and sums due from a third party who has damaged or
     destroyed  the  Collateral  or  from  that  party's insurer, whether due to
     judgment,  settlement  or  other  process.

     (E)  All  records  and  data  relating  to any of the property described in
     this  Collateral  section,  whether  in  the form of a writing, photograph,
     microfilm,  microfiche, or electronic media, together with all of Grantor's
     right,  title,  and  interest  in  and to all computer software required to
     utilize,  create,  maintain,  and  process  any  such  records  or  data on
     electronic  media.

CROSS-COLLATERALIZATION.  In  addition  to  the Note, this Agreement secures all
obligations, debts and liabilities, plus interest thereon, of Grantor to Lender,
or  any  one or more of them, as well as all claims by Lender against Grantor or
any  one  or  more  of  them, whether now existing or hereafter arising, whether
related or unrelated to the purpose of the Note, whether voluntary or otherwise,
whether due or not due, direct or indirect, determined or undetermined, absolute
or  contingent,  liquidated  or  unliquidated,  whether  Grantor  may  be liable
individually  or  jointly  with  others, whether obligated as guarantor, surety,
accommodation  party or otherwise, and whether recovery upon such amounts may be
or  hereafter  may  become barred by any statute of limitations, and whether the
obligation  to  repay  such  amounts  may  be  or hereafter may become otherwise
unenforceable.

RIGHT  OF  SETOFF.  To the extent permitted by applicable law, Lender reserves a
right  of  setoff  in  all  Grantor's  accounts  with  Lender (whether checking,
savings,  or  some  other  account).  This  includes  all accounts Grantor holds
jointly  with  someone  else  and  all  accounts Grantor may open in the future.
However,  this does not include any IRA or Keogh accounts, or any trust accounts
for  which  setoff would be prohibited by law. Grantor authorizes Lender, to the
extent  permitted  by  applicable law, to charge or setoff all sums owing on the
Indebtedness  against  any  and  all  such accounts, and, at Lender's option, to
administratively  freeze  all  such accounts to allow Lender to protect Lender's
charge  and  setoff  rights  provided  in  this  paragraph.

GRANTOR'S  REPRESENTATIONS  AND  WARRANTIES WITH RESPECT TO THE COLLATERAL. With
respect  to  the  Collateral,  Grantor  represents  and promises to Lender that:

     Perfection  of  Security  Interest.  Grantor  agrees  to  take  whatever
     actions  are  requested by Lender to perfect and continue Lender's security
     interest in the Collateral. Upon request of Lender, Grantor will deliver to
     Lender  any  and  all  of  the  documents  evidencing  or  constituting the
     Collateral,  and  Grantor  will  note  Lender's  interest  upon any and all
     chattel  paper and instruments if not delivered to Lender for possession by
     Lender.

     Notices  to  Lender.  Grantor  will  promptly  notify  Lender in writing at
     Lender's  address  shown  above  (or  such  other  addresses  as Lender may
     designate from time to time) prior to any (1) change in Grantor's name; (2)
     change  in Grantor's assumed business name(s); (3) change in the management
     of  the  Corporation  Grantor;  (4) change in the authorized signer(s); (5)
     change in Grantor's principal office address; (6) change in Grantor's state
     of  organization;  (7)  conversion of Grantor to a new or different type of
     business entity; or (8) change in any other aspect of Grantor that directly
     or  indirectly  relates  to  any  agreements between Grantor and Lender. No
     change  in  Grantor's  name or state of organization will take effect until
     after  Lender  has  received  notice.

     No  Violation.  The  execution  and  delivery  of  this  Agreement will not
     violate  any  law  or  agreement governing Grantor or to which Grantor is a
     party,  and  its certificate or articles of incorporation and bylaws do not
     prohibit  any  term  or  condition  of  this  Agreement.

     Enforceability  of  Collateral.  To  the  extent the Collateral consists of
     accounts,  chattel paper, or general intangibles, as defined by the Uniform
     Commercial  Code,  the  Collateral  is  enforceable  in accordance with its
     terms,  is  genuine,  and  fully  complies  with  all  applicable  laws and
     regulations  concerning  form,  content  and  manner  of  preparation  and
     execution, and all persons appearing to be obligated on the Collateral have
     authority and capacity to contract and are in fact obligated as they appear
     to be on the Collateral. There shall be no setoffs or counterclaims against
     any  of  the  Collateral, and no agreement shall have been made under which
     any deductions or discounts may be claimed concerning the Collateral except
     those  disclosed  to  Lender  in  writing.

     Location  of  the  Collateral.  Except  in the ordinary course of Grantor's
     business,  Grantor agrees to keep the Collateral at Grantor's address shown
     above or at such other locations as are acceptable to Lender. Upon Lender's
     request,  Grantor  will  deliver to Lender in form satisfactory to Lender a
     schedule  of real properties and Collateral locations relating to Grantor's
     operations,  including  without  limitation  the  following:  (1)  all real
     property  Grantor  owns  or is purchasing; (2) all real property Grantor is
     renting or leasing; (3) all storage facilities Grantor owns, rents, leases,
     or  uses;  and  (4)  all  other  properties  where  Collateral is or may be
     located.

     Removal  of  the  Collateral.  Except  in  the ordinary course of Grantor's
     business,  Grantor  shall  not  remove  the  Collateral  from  its existing
     location  without  Lender's  prior written consent. Grantor shall, whenever
     requested,  advise  Lender  of  the  exact  location  of  the  Collateral.

     Transactions  Involving  Collateral.  Except  for  inventory  sold  or
     accounts  collected  in  the  ordinary  course of Grantor's business, or as
     otherwise  provided for in this Agreement, Grantor shall not sell, offer to
     sell, or otherwise transfer or dispose of the Collateral. Grantor shall not
     pledge, mortgage, encumber or otherwise permit the Collateral to be subject
     to  any  lien,  security  interest,  encumbrance, or charge, other than the
     security interest provided for in this Agreement, without the prior written
     consent of Lender. This includes security interests even if junior in right
     to  the  security  interests granted under this Agreement. Unless waived by
     Lender,  all  proceeds from any disposition of the Collateral (for whatever
     reason)  shall be held in trust for Lender and shall not be commingled with
     any  other  funds;  provided however, this requirement shall not constitute
     consent  by  Lender to any sale or other disposition. Upon receipt, Grantor
     shall  immediately  deliver  any  such  proceeds  to  Lender.

     Title.  Grantor  represents  and  warrants  to  Lender  that  Grantor holds
     good  and  marketable  title to the Collateral, free and clear of all liens
     and  encumbrances  except  for  the  lien  of  this Agreement. No financing
     statement  covering  any  of the Collateral is on file in any public office
     other  than  those  which  reflect  the  security  interest created by this
     Agreement  or  to  which  Lender  has specifically consented. Grantor shall
     defend  Lender's rights in the Collateral against the claims and demands of
     all  other  persons.

     Repairs  and  Maintenance.  Grantor  agrees  to  keep  and maintain, and to
     cause others to keep and maintain, the Collateral in good order, repair and
     condition  at  all  times  while  this Agreement remains in effect. Grantor
     further  agrees  to  pay  when due all claims for work done on, or services
     rendered or material furnished in connection with the Collateral so that no
     lien  or  encumbrance  may  ever  attach  to  or  be

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                            COMMERCIAL SECURITY AGREEMENT
                                     (Continued)                        Page 2

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     filed  against  the  Collateral.

     Inspection  of  Collateral.  Lender  and  Lender's  designated
     representatives  and agents shall have the right at all reasonable times to
     examine  and  inspect  the  Collateral  wherever  located.

     Taxes,  Assessments  and  Liens.  Grantor  will  pay  when  due  all taxes,
     assessments  and liens upon the Collateral, its use or operation, upon this
     Agreement,  upon  any promissory note or notes evidencing the Indebtedness,
     or  upon  any of the other Related Documents. Grantor may withhold any such
     payment  or  may  elect  to  contest  any  lien if Grantor is in good faith
     conducting  an  appropriate proceeding to contest the obligation to pay and
     so  long  as  Lender's  interest  in  the  Collateral is not jeopardized in
     Lender's  sole  opinion.  If the Collateral is subjected to a lien which is
     not  discharged within fifteen (15) days. Grantor shall deposit with Lender
     cash,  a sufficient corporate surety bond or other security satisfactory to
     Lender  in an amount adequate to provide for the discharge of the lien plus
     any  interest, costs, attorneys' fees or other charges that could accrue as
     a  result  of foreclosure or sale of the Collateral. In any contest Grantor
     shall defend itself and Lender and shall satisfy any final adverse judgment
     before  enforcement against the Collateral, Grantor shall name Lender as an
     additional  obligee  under  any  surety  bond  furnished  in  the  contest
     proceedings.  Grantor  further  agrees to furnish Lender with evidence that
     such  taxes, assessments, and governmental and other charges have been paid
     in  full  and  in a timely manner. Grantor may withhold any such payment or
     may  elect  to  contest  any lien if Grantor is in good faith conducting an
     appropriate  proceeding  to  contest  the  obligation to pay and so long as
     Lender's  interest  in  the  Collateral  is  not  jeopardized.

     Compliance  with  Governmental  Requirements.  Grantor  shall  comply
     promptly  with  all  laws,  ordinances,  rules  and  regulations  of  all
     governmental  authorities,  now  or  hereafter in effect, applicable to the
     ownership, production, disposition, or use of the Collateral, including all
     laws  or  regulations relating to the undue erosion of highly-erodible land
     or  relating  to  the  conversion  of  wetlands  for  the  production of an
     agricultural  product  or  commodity. Grantor may contest in good faith any
     such  law,  ordinance  or  regulation  and  withhold  compliance during any
     proceeding,  including appropriate appeals, so long as Lender's interest in
     the  Collateral,  in  Lender's  opinion,  is  not  jeopardized.

     Hazardous  Substances.  Grantor  represents  and  warrants  that  the
     Collateral  never  has  been,  and  never will be so long as this Agreement
     remains  a  lien  on the Collateral, used in violation of any Environmental
     Laws  or  for  the  generation,  manufacture,  storage,  transportation,
     treatment,  disposal,  release  or  threatened  release  of  any  Hazardous
     Substance. The representations and warranties contained herein are based on
     Grantor's  due  diligence  in  investigating  the  Collateral for Hazardous
     Substances.  Grantor  hereby  (1)  releases  and  waives  any future claims
     against  Lender  for indemnity or contribution in the event Grantor becomes
     liable  for  cleanup  or  other costs under any Environmental Laws, and (2)
     agrees  to  indemnify, defend, and hold harmless Lender against any and all
     claims  and  losses  resulting  from  a  breach  of  this provision of this
     Agreement.  This  obligation  to  indemnify  and  defend  shall survive the
     payment  of  the  Indebtedness  and  the  satisfaction  of  this Agreement.

     Maintenance  of  Casualty  Insurance.  Grantor  shall  procure and maintain
     all risks insurance, including without limitation fire, theft and liability
     coverage  together  with  such  other  insurance as Lender may require with
     respect to the Collateral, in form, amounts, coverages and basis reasonably
     acceptable  to  Lender  and  issued  by  a  company or companies reasonably
     acceptable  to  Lender.  Grantor,  upon  request of Lender, will deliver to
     Lender  from time to time the policies or certificates of insurance in form
     satisfactory  to  Lender, including stipulations that coverages will not be
     cancelled  or  diminished  without at least thirty (30) days' prior written
     notice  to  Lender  and  not  including  any  disclaimer  of  the insurer's
     liability  for  failure  to  give such a notice. Each insurance policy also
     shall  include  an  endorsement  providing that coverage in favor of Lender
     will  not be impaired in any way by any act, omission or default of Grantor
     or  any  other  person.  In connection with all policies covering assets in
     which  Lender holds or is offered a security interest, Grantor will provide
     Lender  with such loss payable or other endorsements as Lender may require.
     If  Grantor  at  any  time  fails  to  obtain  or maintain any insurance as
     required  under  this Agreement, Lender may (but shall not be obligated to)
     obtain  such  insurance as Lender deems appropriate, including if Lender so
     chooses  "single  interest  insurance,"  which  will  cover  only  Lender's
     interest  in  the  Collateral.

     Application  of  Insurance  Proceeds.  Grantor  shall  promptly  notify
     Lender  of  any  loss  or  damage  to  the  Collateral, whether or not such
     casualty  or loss is covered by insurance. Lender may make proof of loss if
     Grantor  fails  to  do  so  within  fifteen  (15) days of the casualty. All
     proceeds  of  any  insurance  on the Collateral, including accrued proceeds
     thereon,  shall  be  held  by  Lender  as part of the Collateral. If Lender
     consents  to  repair or replacement of the damaged or destroyed Collateral,
     Lender  shall,  upon  satisfactory  proof  of expenditure, pay or reimburse
     Grantor from the proceeds for the reasonable cost of repair or restoration.
     If  Lender  does  not  consent  to repair or replacement of the Collateral,
     Lender  shall  retain a sufficient amount of the proceeds to pay all of the
     Indebtedness, and shall pay the balance to Grantor. Any proceeds which have
     not  been  disbursed  within  six  (6) months after their receipt and which
     Grantor  has  not  committed to the repair or restoration of the Collateral
     shall  be  used  to  prepay  the  Indebtedness.

     Insurance  Reserves.  Lender  may  require  Grantor to maintain with Lender
     reserves for payment of insurance premiums, which reserves shall be created
     by  monthly  payments  from  Grantor  of  a  sum  estimated by Lender to be
     sufficient  to  produce,  at least fifteen (15) days before the premium due
     date,  amounts  at  least  equal  to  the insurance premiums to be paid. If
     fifteen  (15)  days  before  payment  is  due,  the  reserve  funds  are
     insufficient,  Grantor  shall upon demand pay any deficiency to Lender. The
     reserve  funds  shall  be  held  by  Lender  as a general deposit and shall
     constitute  a  non-interest-bearing  account  which  Lender  may satisfy by
     payment  of  the  insurance premiums required to be paid by Grantor as they
     become  due.  Lender  does not hold the reserve funds in trust for Grantor,
     and  Lender  is  not  the  agent  of  Grantor  for payment of the insurance
     premiums required to be paid by Grantor. The responsibility for the payment
     of  premiums  shall  remain  Grantor's  sole  responsibility.

     Insurance  Reports.  Grantor,  upon  request  of  Lender,  shall furnish to
     Lender  reports  on  each  existing  policy  of  insurance  showing  such
     information  as  Lender may reasonably request including the following: (1)
     the  name  of  the  insurer;  (2)  the risks insured; (3) the amount of the
     policy;  (4)  the property insured; (5) the then current value on the basis
     of  which  insurance  has  been obtained and the manner of determining that
     value;  and  (6)  the  expiration  date of the policy. In addition, Grantor
     shall upon request by Lender (however not more often than annually) have an
     independent  appraiser satisfactory to Lender determine, as applicable, the
     cash  value  or  replacement  cost  of  the  Collateral.

     Financing  Statements.  Grantor  authorizes  Lender  to  file  a  UCC
     financing  statement, or alternatively, a copy of this Agreement to perfect
     Lender's  security  interest.  At  Lender's  request,  Grantor additionally
     agrees  to sign all other documents that are necessary to perfect, protect,
     and  continue  Lender's security interest in the Property. Grantor will pay
     all  filing  fees,  title  transfer fees, and other fees and costs involved
     unless  prohibited  by  law or unless Lender is required by law to pay such
     fees  and  costs.  Grantor irrevocably appoints Lender to execute documents
     necessary  to  transfer title if there is a default. Lender may file a copy
     of  this  Agreement  as a financing statement. If Grantor changes Grantor's
     name  or  address, or the name or address of any person granting a security
     interest  under  this  Agreement  changes, Grantor will promptly notify the
     Lender  of  such  change.

GRANTOR'S RIGHT TO POSSESSION. Until default, Grantor may have possession of the
tangible  personal property and beneficial use of all the Collateral and may use
it  in  any  lawful  manner  not inconsistent with this Agreement or the Related
Documents,  provided that Grantor's right to possession and beneficial use shall
not  apply  to  any  Collateral  where possession of the Collateral by Lender is
required  by  law  to  perfect Lender's security interest in such Collateral. If
Lender  at any time has possession of any Collateral, whether before or after an
Event  of  Default,  Lender shall be deemed to have exercised reasonable care in
the  custody  and preservation of the Collateral if Lender takes such action for
that purpose as Grantor shall request or as Lender, in Lender's sole discretion,
shall deem appropriate under the circumstances, but failure to honor any request
by  Grantor shall not of itself be deemed to be a failure to exercise reasonable
care.  Lender  shall not be required to take any steps necessary to preserve any
rights  in  the  Collateral  against  prior parties, nor to protect, preserve or
maintain  any  security  interest  given  to  secure  the  Indebtedness.

LENDER'S  EXPENDITURES.  If  any  action  or  proceeding is commenced that would
materially  affect  Lender's  interest  in the Collateral or if Grantor fails to
comply  with any provision of this Agreement or any Related Documents, including
but  not  limited  to Grantor's failure to discharge or pay when due any amounts
Grantor  is  required  to  discharge  or pay under this Agreement or any Related
Documents,  Lender  on Grantor's behalf may (but shall not be obligated to) take
any  action  that  Lender  deems  appropriate,  including  but  not  limited  to
discharging  or  paying  all  taxes, liens, security interests, encumbrances and
other  claims,  at  any  time  levied or placed on the Collateral and paying all
costs  for  insuring,  maintaining  and  preserving  the  Collateral.  All  such
expenditures  incurred  or  paid  by  Lender  for  such  purposes will then bear
interest  at  the  rate charged under the Note from the date incurred or paid by
Lender to the date of repayment by Grantor. All such expenses will become a part
of  the Indebtedness and, at Lender's option, will (A) be payable on demand; (B)
be added to the balance of the Note and be apportioned among and be payable with
any  installment  payments  to  become  due  during  either  (1) the term of any
applicable  insurance  policy;  or (2) the remaining term of the Note; or (C) be
treated  as  a  balloon  payment  which  will  be  due and payable at the Note's
maturity.  The  Agreement  also will secure payment of these amounts. Such right
shall  be  in  addition  to all other rights and remedies to which Lender may be
entitled  upon  Default.

DEFAULT. Each of the following shall constitute an Event of Default under this
Agreement:

     Payment  Default.  Grantor  fails  to  make  any payment when due under the
     Indebtedness.

     Other  Defaults.  Grantor  fails  to  comply  with  or to perform any other
     term,  obligation,  covenant or condition contained in this Agreement or in
     any  of  the  Related  Documents  or to comply with or to perform any term,
     obligation,  covenant or condition contained in any other agreement between
     Lender  and  Grantor.

     Default  in  Favor  of  Third  Parties.  Should  Borrower  or  any  Grantor
     default  under  any loan, extension of credit, security agreement, purchase

<PAGE>
                            COMMERCIAL SECURITY AGREEMENT
                                     (Continued)                        Page 3

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     or  sales  agreement,  or  any  other  agreement,  in  favor  of  any other
     creditor  or person that may materially affect any of Grantor's property or
     Grantor's  or  any  Grantor's  ability to repay the Indebtedness or perform
     their  respective  obligations  under  this Agreement or any of the Related
     Documents.

     False  Statements.  Any  warranty,  representation  or  statement  made  or
     furnished  to Lender by Grantor or on Grantor's behalf under this Agreement
     or  the  Related  Documents is false or misleading in any material respect,
     either  now or at the time made or furnished or becomes false or misleading
     at  any  time  thereafter.

     Defective  Collateralization.  This  Agreement  or  any  of  the  Related
     Documents  ceases  to be in full force and effect (including failure of any
     collateral  document  to  create a valid and perfected security interest or
     lien)  at  any  time  and  for  any  reason.

     Insolvency.  The  dissolution  or  termination  of Grantor's existence as a
     going  business,  the  insolvency of Grantor, the appointment of a receiver
     for  any  part  of  Grantor's  property,  any assignment for the benefit of
     creditors,  any  type  of  creditor  workout,  or  the  commencement of any
     proceeding  under  any bankruptcy or insolvency laws by or against Grantor.

     Creditor  or  Forfeiture  Proceedings.  Commencement  of  foreclosure  or
     forfeiture  proceedings,  whether  by  judicial  proceeding,  self-help,
     repossession  or  any  other  method,  by any creditor of Grantor or by any
     governmental  agency against any collateral securing the Indebtedness. This
     includes  a  garnishment  of  any  of Grantor's accounts, including deposit
     accounts,  with  Lender.  However, this Event of Default shall not apply if
     there  is  a  good  faith  dispute  by  Grantor  as  to  the  validity  or
     reasonableness  of  the  claim  which  is  the  basis  of  the  creditor or
     forfeiture  proceeding  and  if  Grantor gives Lender written notice of the
     creditor  or  forfeiture  proceeding  and  deposits with Lender monies or a
     surety  bond  for  the  creditor  or  forfeiture  proceeding,  in an amount
     determined  by Lender, in its sole discretion, as being an adequate reserve
     or  bond  for  the  dispute.

     Events  Affecting  Guarantor.  Any  of  the  preceding  events  occurs with
     respect  to  any  Guarantor of any of the Indebtedness or Guarantor dies or
     becomes  incompetent  or  revokes or disputes the validity of, or liability
     under,  any  Guaranty  of  the  Indebtedness.

     Adverse  Change.  A  material  adverse  change  occurs  in  Grantor's
     financial  condition,  or  Lender  believes  the  prospect  of  payment  or
     performance  of  the  Indebtedness  is  impaired.

     Insecurity.  Lender  in  good  faith  believes  itself  insecure.

RIGHTS  AND  REMEDIES  ON  DEFAULT.  If  an  Event  of Default occurs under this
Agreement, at any time thereafter, Lender shall have all the rights of a secured
party  under  the  Georgia  Uniform  Commercial  Code.  In  addition and without
limitation,  Lender  may  exercise  any  one or more of the following rights and
remedies:

     Accelerate  Indebtedness.  Lender  may  declare  the  entire  Indebtedness,
     including  any  prepayment  penalty which Grantor would be required to pay,
     immediately  due  and  payable,  without  notice  of  any  kind to Grantor.

     Assemble  Collateral.  Lender  may  require  Grantor  to  deliver to Lender
     all  or any portion of the Collateral and any and all certificates of title
     and  other documents relating to the Collateral. Lender may require Grantor
     to assemble the Collateral and make it available to Lender at a place to be
     designated  by  Lender. Lender also shall have full power to enter upon the
     property of Grantor to take possession of and remove the Collateral. If the
     Collateral  contains  other goods not covered by this Agreement at the time
     of  repossession, Grantor agrees Lender may take such other goods, provided
     that  Lender  makes  reasonable  efforts  to  return  them to Grantor after
     repossession.

     Sell  the  Collateral.  Lender  shall  have  full  power  to  sell,  lease,
     transfer,  or  otherwise  deal  with  the Collateral or proceeds thereof in
     Lender's  own  name  or  that of Grantor. Lender may sell the Collateral at
     public  auction or private sale. Unless the Collateral threatens to decline
     speedily  in value or is of a type customarily sold on a recognized market,
     Lender  will give Grantor, and other persons as required by law, reasonable
     notice  of  the  time and place of any public sale, or the time after which
     any  private sale or any other disposition of the Collateral is to be made.
     However,  no  notice  need  be  provided  to any person who, after Event of
     Default  occurs,  enters  into  and authenticates an agreement waiving that
     person's  right  to  notification  of  sale. The requirements of reasonable
     notice  shall  be met if such notice is given at least ten (10) days before
     the  time  of  the  sale  or  disposition.  All  expenses  relating  to the
     disposition of the Collateral, including without limitation the expenses of
     retaking, holding, insuring, preparing for sale and selling the Collateral,
     shall become a part of the Indebtedness secured by this Agreement and shall
     be  payable  on  demand,  with  interest  at  the  Note  rate  from date of
     expenditure  until  repaid.

     Appoint  Receiver.  Lender  shall  have  the  right  to  have  a  receiver
     appointed to take possession of all or any part of the Collateral, with the
     power  to  protect  and  preserve the Collateral, to operate the Collateral
     preceding foreclosure or sale, and to collect the Rents from the Collateral
     and  apply  the  proceeds,  over  and  above  the cost of the receivership,
     against  the Indebtedness. The receiver may serve without bond if permitted
     by law. Lender's right to the appointment of a receiver shall exist whether
     or  not  the apparent value of the Collateral exceeds the Indebtedness by a
     substantial amount. Employment by Lender shall not disqualify a person from
     serving  as  a  receiver.

     Collect  Revenues,  Apply  Accounts.  Lender,  either  itself  or through a
     receiver,  may  collect  the payments, rents, income, and revenues from the
     Collateral.  Lender  may  at  any  time in Lender's discretion transfer any
     Collateral  into  Lender's own name or that of Lender's nominee and receive
     the  payments,  rents,  income, and revenues therefrom and hold the same as
     security for the Indebtedness or apply it to payment of the Indebtedness in
     such order of preference as Lender may determine. Insofar as the Collateral
     consists of accounts, general intangibles, insurance policies, instruments,
     chattel  paper,  choses  in action, or similar property. Lender may demand,
     collect,  receipt  for,  settle, compromise, adjust, sue for, foreclose, or
     realize  on  the  Collateral  as  Lender  may  determine,  whether  or  not
     Indebtedness  or Collateral is then due. For these purposes, Lender may, on
     behalf  of  and  in  the name of Grantor, receive, open and dispose of mail
     addressed  to Grantor; change any address to which mail and payments are to
     be  sent;  and  endorse  notes,  checks, drafts, money orders, documents of
     title, instruments and items pertaining to payment, shipment, or storage of
     any Collateral. To facilitate collection, Lender may notify account debtors
     and  obligors  on  any  Collateral  to  make  payments  directly to Lender.

     Obtain  Deficiency.  If  Lender  chooses  to  sell  any  or  all  of  the
     Collateral, Lender may obtain a judgment against Grantor for any deficiency
     remaining  on  the  Indebtedness  due  to  Lender  after application of all
     amounts  received  from  the  exercise  of  the  rights  provided  in  this
     Agreement. Grantor shall be liable for a deficiency even if the transaction
     described  in  this  subsection  is  a  sale  of accounts or chattel paper.

     Other  Rights  and  Remedies.  Lender  shall  have  all  the  rights  and
     remedies  of  a  secured  creditor  under  the  provisions  of  the Uniform
     Commercial  Code,  as may be amended from time to time. In addition, Lender
     shall  have  and  may  exercise any or all other rights and remedies it may
     have  available  at  law,  in  equity,  or  otherwise.

     Election  of  Remedies.  Except  as  may  be  prohibited by applicable law,
     all  of  Lender's rights and remedies, whether evidenced by this Agreement,
     the Related Documents, or by any other writing, shall be cumulative and may
     be  exercised  singularly or concurrently. Election by Lender to pursue any
     remedy  shall  not  exclude pursuit of any other remedy, and an election to
     make  expenditures  or  to  take action to perform an obligation of Grantor
     under  this Agreement, after Grantor's failure to perform, shall not affect
     Lender's  right  to  declare  a  default  and  exercise  its  remedies.

MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of
this Agreement:

     Amendments.  This  Agreement,  together  with  any  Related  Documents,
     constitutes the entire understanding and agreement of the parties as to the
     matters  set forth in this Agreement. No alteration of or amendment to this
     Agreement  shall  be  effective  unless  given in writing and signed by the
     party  or  parties  sought  to  be  charged  or  bound by the alteration or
     amendment.

     Attorneys'  Fees;  Expenses.  Grantor  agrees  to  pay  upon  demand all of
     Lender's  costs  and  expenses,  including  Lender's  attorneys'  fees  and
     Lender's  legal  expenses,  incurred  in connection with the enforcement of
     this  Agreement.  Lender  may hire or pay someone else to help enforce this
     Agreement,  and  Grantor  shall  pay  the  costs  and  expenses  of  such
     enforcement.  Costs and expenses include Lender's attorneys' fees and legal
     expenses  whether  or not there is a lawsuit, including attorneys' fees and
     legal  expenses  for bankruptcy proceedings (including efforts to modify or
     vacate  any  automatic  stay  or  injunction), appeals, and any anticipated
     post-judgment  collection  services. Grantor also shall pay all court costs
     and  such  additional  fees  as  may  be  directed  by  the  court.

     Caption  Headings.  Caption  headings  in  this  Agreement  are  for
     convenience purposes only and are not to be used to interpret or define the
     provisions  of  this  Agreement.

     Governing  Law.  This  Agreement  will  be  governed  by  federal  law
     applicable  to  Lender and, to the extent not preempted by federal law, the
     laws  of  the  State  of  Georgia  without  regard to its conflicts of law
     provisions.  This  Agreement  has  been  accepted by Lender in the State of
     Georgia.

     No  Waiver  by  Lender.  Lender  shall  not  be  deemed  to have waived any
     rights  under  this  Agreement  unless  such waiver is given in writing and
     signed  by Lender. No delay or omission on the part of Lender in exercising
     any  right  shall  operate  as a waiver of such right or any other right. A
     waiver  by  Lender  of a provision of this Agreement shall not prejudice or
     constitute a waiver of Lender's right otherwise to demand strict compliance
     with  that  provision  or  any  other provision of this Agreement. No prior
     waiver  by  Lender,  nor  any course of dealing between Lender and Grantor,
     shall  constitute a waiver of any of Lender's rights or of any of Grantor's
     obligations  as  to any future transactions. Whenever the consent of Lender
     is required under this Agreement, the granting of such consent by Lender in
     any  instance  shall  not  constitute  continuing  consent  to  subsequent
     instances  where such consent is required and in all cases such consent may
     be

<PAGE>
                          COMMERCIAL SECURITY AGREEMENT
                                    (Continued)                           Page 4
================================================================================

     granted  or  withheld  in  the  sole  discretion  of  Lender.

     Notices.  Any  notice  required  to  be given under this Agreement shall be
     given  in  writing,  and  shall  be effective when actually delivered, when
     actually received by telefacsimile (unless otherwise required by law), when
     deposited  with  a  nationally recognized overnight courier, or, if mailed,
     when  deposited  in  the  United  States mail, as first class, certified or
     registered  mail  postage prepaid, directed to the addresses shown near the
     beginning  of  this Agreement. Any party may change its address for notices
     under  this Agreement by giving formal written notice to the other parties,
     specifying that the purpose of the notice is to change the party's address.
     For notice purposes, Grantor agrees to keep Lender informed at all times of
     Grantor's current address. Unless otherwise provided or required by law, if
     there  is  more than one Grantor, any notice given by Lender to any Grantor
     is  deemed  to  be  notice  given  to  all  Grantors.

     Power  of Attorney. Grantor hereby appoints Lender as Grantor's irrevocable
     attorney-in-fact  for  the  purpose of executing any documents necessary to
     perfect,  amend,  or  to  continue  the  security  interest granted in this
     Agreement  or  to  demand  termination of filings of other secured parties.
     Lender  may  at  any  time, and without further authorization from Grantor,
     file  a  carbon,  photographic  or  other  reproduction  of  any  financing
     statement  or  of  this Agreement for use as a financing statement. Grantor
     will  reimburse  Lender  for  all  expenses  for  the  perfection  and  the
     continuation  of  the  perfection  of  Lender's  security  interest  in the
     Collateral.

     Severability.  If  a court of competent jurisdiction finds any provision of
     this  Agreement  to  be  illegal,  invalid,  or  unenforceable  as  to  any
     circumstance,  that finding shall not make the offending provision illegal,
     invalid,  or  unenforceable  as to any other circumstance. If feasible, the
     offending  provision shall be considered modified so that it becomes legal,
     valid and enforceable. If the offending provision cannot be so modified, it
     shall  be considered deleted from this Agreement. Unless otherwise required
     by law, the illegality, invalidity, or unenforceability of any provision of
     this Agreement shall not affect the legality, validity or enforceability of
     any  other  provision  of  this  Agreement.

     Successors and Assigns. Subject to any limitations stated in this Agreement
     on transfer of Grantor's interest, this Agreement shall be binding upon and
     inure  to  the  benefit  of  the  parties, their successors and assigns. If
     ownership  of the Collateral becomes vested in a person other than Grantor,
     Lender,  without notice to Grantor, may deal with Grantor's successors with
     reference  to  this Agreement and the indebtedness by way of forbearance or
     extension  without releasing Grantor from the obligations of this Agreement
     or  liability  under  the  Indebtedness.

     Survival  of  Representations  and  Warranties.  All  representations,
     warranties,  and agreements made by Grantor in this Agreement shall survive
     the  execution  and  delivery  of  this  Agreement,  shall be continuing in
     nature,  and  shall  remain  in  full  force  and effect until such time as
     Grantor's  Indebtedness  shall  be  paid  in  full.

     Time  is  of the Essence. Time is of the essence in the performance of this
     Agreement.

DEFINITIONS.  The following capitalized words and terms shall have the following
meanings  when  used  in  this  Agreement.  Unless  specifically  stated  to the
contrary, all references to dollar amounts shall mean amounts in lawful money of
the United States of America, Words and terms used in the singular shall include
the  plural,  and  the  plural  shall  include  the singular, as the context may
require.  Words and terms not otherwise defined in this Agreement shall have the
meanings  attributed  to  such  terms  in  the  Uniform  Commercial  Code:

     Agreement.  The  word "Agreement" means this Commercial Security Agreement,
     as  this Commercial Security Agreement may be amended or modified from time
     to  time,  together  with  all  exhibits  and  schedules  attached  to this
     Commercial  Security  Agreement  from  time  to  time.

     Borrower.  The word "Borrower" means AMERICAN CONSUMERS, INC. DBA SHOP RITE
     and  includes  all  co-signers and co-makers signing the Note and all their
     successors  and  assigns.

     Collateral.  The  word "Collateral" means all of Grantor's right, title and
     interest  in  and  to  all  the  Collateral  as described in the Collateral
     Description  section  of  this  Agreement.

     Default.  The  word "Default" means the Default set forth in this Agreement
     in  the  section  titled  "Default".

     Environmental  Laws. The words "Environmental Laws" mean any and all state,
     federal  and  local  statutes,  regulations  and ordinances relating to the
     protection of human health or the environment, including without limitation
     the  Comprehensive  Environmental Response, Compensation, and Liability Act
     of  1980,  as  amended,  42  U.S.C.  Section  9601, et seq. ("CERCLA"), the
     Superfund  Amendments  and  Reauthorization Act of 1986. Pub, L. No. 99-499
     ("SARA"),  the  Hazardous  Materials  Transportation Act, 49 U.S.C. Section
     1801,  et  seq.,  the  Resource  Conservation  and  Recovery Act, 42 U.S.C.
     Section 6901, et seq., or other applicable state or federal laws, rules, or
     regulations  adopted  pursuant  thereto.

     Event  of  Default.  The words "Event of Default" mean any of the events of
     default  set  forth  in  this  Agreement  in  the  default  section of this
     Agreement.

     Grantor.  The  word "Grantor" means AMERICAN CONSUMERS, INC. DBA SHOP RITE.

     Guarantor.  The  word  "Guarantor"  means  any  guarantor,  surety,  or
     accommodation  party  of  any  or  all  of  the  Indebtedness.

     Guaranty.  The word "Guaranty" means the guaranty from Guarantor to Lender,
     including  without  limitation  a  guaranty  of  all  or  part of the Note.

     Hazardous Substances. The words "Hazardous Substances" mean materials that,
     because  of  their  quantity,  concentration  or  physical,  chemical  or
     infectious characteristics, may cause or pose a present or potential hazard
     to  human  health or the environment when improperly used, treated, stored,
     disposed of, generated, manufactured, transported or otherwise handled. The
     words  "Hazardous  Substances"  are  used  in their very broadest sense and
     include  without  limitation  any  and  all  hazardous or toxic substances,
     materials  or  waste  as defined by or listed under the Environmental Laws.
     The  term  "Hazardous  Substances"  also  includes,  without  limitation,
     petroleum  and  petroleum by-products or any fraction thereof and asbestos.

     Indebtedness.  The  word "Indebtedness" means the indebtedness evidenced by
     the  Note  or  Related  Documents,  including  all  principal  and interest
     together  with  all  other  indebtedness  and  costs and expenses for which
     Grantor  is  responsible  under  this Agreement or under any of the Related
     Documents.  Specifically,  without  limitation,  Indebtedness  includes all
     amounts  that  may  be  indirectly  secured  by the Cross-Collateraiization
     provision  of  this  Agreement.

     Lender.  The  word  "Lender" means GATEWAY BANK & TRUST, its successors and
     assigns.

     Note.  The  word "Note" means the Note executed by AMERICAN CONSUMERS, INC.
     DBA  SHOP  RITE  in  the principal amount of $180,000.00 dated May 3, 2007,
     together  with  all  renewals  of,  extensions  of,  modifications  of,
     refinancings  of,  consolidations  of,  and  substitutions  for the note or
     credit  agreement.

     Property.  The  word  "Property"  means  all  of Grantor's right, title and
     interest  in  and  to  all  the  Property  as  described in the "Collateral
     Description"  section  of  this  Agreement.

     Related Documents. The words "Related Documents" mean all promissory notes,
     credit  agreements,  loan agreements, environmental agreements, guaranties,
     security  agreements, mortgages, deeds of trust, security deeds, collateral
     mortgages, and all other instruments, agreements and documents, whether now
     or  hereafter  existing,  executed  in  connection  with  the Indebtedness.

GRANTOR  HAS  READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS COMMERCIAL SECURITY
AGREEMENT  AND  AGREES  TO  ITS  TERMS.  THIS  AGREEMENT  IS  DATED MAY 3, 2007.

THIS AGREEMENT IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS AGREEMENT IS AND
SHALL  CONSTITUTE  AND  HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.

<TABLE>
<CAPTION>
GRANTOR:

AMERICAN CONSUMERS, INC. DBA SHOP RITE
<S>                                               <C>
By: /s/ Michael A. Richardson             (Seal)  By: /s/ Paul R. Cook                        (Seal)
    --------------------------------------            ----------------------------------------
    MICHAEL A. RICHARDSON, President of               PAUL R. COOK, Chief Financial Officer of
    AMERICAN CONSUMERS, INC. DBA SHOP RITE            AMERICAN CONSUMERS, INC. DBA SHOP RITE
</TABLE>ASSIGNMENT OF DEPOSIT ACCOUNT

--------------------------------------------------------------------------------
PRINCIPAL     LOAN DATE    MATURITY   LOAN NO CALL/COLL ACCOUNT OFFICER INITIALS
 $180,000.00  05-03-2007  05-05-2012             422               086
--------------------------------------------------------------------------------
  References in the shaded area are for Lender's use only and do not limit the
 applicability of this document to any particular loan or item. Any item above
      containing "- - - " has been omitted due to text length limitations.
--------------------------------------------------------------------------------

GRANTOR:  AMERICAN CONSUMERS. INC. DBA SHOP RITE  LENDER:  GATEWAY BANK & TRUST
          55 HANNAH WAY                                    MAIN
          ROSSVILLE, GA 30741                              5102 ALABAMA HWY
                                                           RINGGOLD, GA 30736
                                                           (706) 965-5500

================================================================================

THIS  ASSIGNMENT  OF  DEPOSIT  ACCOUNT  dated  May 3, 2007, is made and executed
between  AMERICAN  CONSUMERS,  INC. DBA SHOP RITE ("Grantor") and GATEWAY BANK &
TRUST  ("Lender").

ASSIGNMENT.  For  valuable consideration, Grantor assigns and grants to Lender a
security  interest  in  the Collateral, including without limitation the deposit
accounts  described  below,  to  secure  the Indebtedness and agrees that Lender
shall  have  the rights stated in this Agreement with respect to the Collateral,
in  addition  to  all  other  rights  which  Lender  may  have  by  law.

COLLATERAL  DESCRIPTION.  The  word  "Collateral"  means the following described
deposit  account  ("Account"):

     CD#28-6873622  WITH  THE  APPROXIMATE  BALANCE  OF  $312,161.01  HELD  AT
     NORTHWEST  GEORGIA  BANK

together  with  (A) all interest, whether now accrued or hereafter accruing; (B)
all  additional deposits hereafter made to the Account; (C) any and all proceeds
from  the  Account; and (D) all renewals, replacements and substitutions for any
of  the  foregoing.

CROSS-COLLATERALIZATION.  In  addition  to  the Note, this Agreement secures all
obligations, debts and liabilities, plus interest thereon, of Grantor to Lender,
or  any  one or more of them, as well as all claims by Lender against Grantor or
any  one  or  more  of  them, whether now existing or hereafter arising, whether
related or unrelated to the purpose of the Note, whether voluntary or otherwise,
whether due or not due, direct or indirect, determined or undetermined, absolute
or  contingent,  liquidated  or  unliquidated,  whether  Grantor  may  be liable
individually  or  jointly  with  others, whether obligated as guarantor, surety,
accommodation  party or otherwise, and whether recovery upon such amounts may be
or  hereafter  may  become barred by any statute of limitations, and whether the
obligation  to  repay  such  amounts  may  be  or hereafter may become otherwise
unenforceable.

RIGHT  OF  SETOFF.  To the extent permitted by applicable law, Lender reserves a
right  of  setoff  in  all  Grantor's  accounts  with  Lender (whether checking,
savings,  or  some  other  account).  This  includes  all accounts Grantor holds
jointly  with  someone  else  and  all  accounts Grantor may open in the future.
However,  this does not include any IRA or Keogh accounts, or any trust accounts
for  which  setoff would be prohibited by law. Grantor authorizes Lender, to the
extent  permitted  by  applicable law, to charge or setoff all sums owing on the
Indebtedness  against  any  and  all  such accounts, and, at Lender's option, to
administratively  freeze  all  such accounts to allow Lender to protect Lender's
charge  and  setoff  rights  provided  in  this  paragraph.

GRANTOR'S  REPRESENTATIONS  AND  WARRANTIES WITH RESPECT TO THE COLLATERAL. With
respect  to  the  Collateral,  Grantor  represents  and promises to Lender that:

     Ownership.  Grantor  is  the  lawful  owner  of  the  Collateral  free  and
     clear  of all loans, liens, encumbrances, and claims except as disclosed to
     and  accepted  by  Lender  in  writing.

     Right  to  Grant  Security  Interest.  Grantor  has  the full right, power,
     and  authority to enter into this Agreement and to assign the Collateral to
     Lender.

     No  Prior  Assignment.  Grantor  has  not  previously  granted  a  security
     interest  in  the  Collateral  to  any  other  creditor.

     No  Further  Transfer.  Grantor  shall  not  sell,  assign,  encumber,  or
     otherwise  dispose  of  any of Grantor's rights in the Collateral except as
     provided  in  this  Agreement.

     No  Defaults.  There  are  no  defaults  relating  to  the  Collateral, and
     there  are  no  offsets or counterclaims to the same. Grantor will strictly
     and promptly do everything required of Grantor under the terms, conditions,
     promises,  and  agreements  contained  in  or  relating  to the Collateral.

     Notice  to  Third  Party  Issuer.  With  regard  to  any  certificates  of
     deposit  or  similar Collateral for which Lender is not the issuer. Grantor
     agrees  to  notify the issuer or obligor of the interests hereby granted to
     Lender  and to obtain from such issuer or obligor (a) acknowledgment of the
     interests  in  favor of Lender, and (b) the issuer's or obligor's agreement
     to waive in favor of Lender any and all rights of set-off or similar rights
     or  remedies  to  which  issuer or obligor may be entitled. Grantor further
     agrees, in connection therewith, to execute and cause the issuer or obligor
     to  execute  any  and  all acknowledgments, waivers and other agreements in
     such  form  and  upon  such  terms  as  Lender  may  request.

     Proceeds.  Any  and  all  replacement  or  renewal  certificates,
     instruments,  or  other benefits or proceeds related to the Collateral that
     are  received  by  Grantor shall be held by Grantor in trust for Lender and
     immediately  shall  be delivered by Grantor to Lender to be held as part of
     the  Collateral.

     Validity;  Binding  Effect.  This  Agreement  is  binding  upon Grantor and
     Grantor's  successors  and assigns and is legally enforceable in accordance
     with  its  terms.

     Financing  Statements.  Grantor  authorizes  Lender  to  file  a  UCC
     financing  statement, or alternatively, a copy of this Agreement to perfect
     Lender's  security  interest.  At  Lender's  request,  Grantor additionally
     agrees  to sign all other documents that are necessary to perfect, protect,
     and  continue  Lender's security interest in the Property. Grantor will pay
     all  filing  fees,  title  transfer fees, and other fees and costs involved
     unless  prohibited  by  law or unless Lender is required by law to pay such
     fees  and  costs.  Grantor irrevocably appoints Lender to execute documents
     necessary  to  transfer title if there is a default. Lender may file a copy
     of  this  Agreement  as a financing statement. If Grantor changes Grantor's
     name  or  address, or the name or address of any person granting a security
     interest  under  this  Agreement  changes, Grantor will promptly notify the
     Lender  of  such  change.

LENDER'S  RIGHTS  AND  OBLIGATIONS  WITH  RESPECT  TO THE COLLATERAL. While this
Agreement  is  in  effect,  Lender  may  retain  the rights to possession of the
Collateral,  together  with  any  and  all  evidence  of the Collateral, such as
certificates  or  passbooks.  Lender may notify the institution which issued the
Collateral  of this Agreement. Grantor agrees that such institution will not pay
any amount on the Collateral, other than to Lender, so long as this Agreement is
in effect. This Agreement will remain in effect until (a) there no longer is any
Indebtedness  owing  to  Lender;  (b)  all  other  obligations  secured  by this
Agreement  have  been fulfilled; and (c) Grantor, in writing, has requested from
Lender  a  release  of  this  Agreement.

LENDER'S  EXPENDITURES.  If  any  action  or  proceeding is commenced that would
materially  affect  Lender's  interest  in the Collateral or if Grantor fails to
comply  with any provision of this Agreement or any Related Documents, including
but  not  limited  to Grantor's failure to discharge or pay when due any amounts
Grantor  is  required  to  discharge  or pay under this Agreement or any Related
Documents,  Lender  on Grantor's behalf may (but shall not be obligated to) take
any  action  that  Lender  deems  appropriate,  including  but  not  limited  to
discharging  or  paying  all  taxes, liens, security interests, encumbrances and
other  claims,  at  any  time  levied or placed on the Collateral and paying all
costs  for  insuring,  maintaining  and  preserving  the  Collateral.  All  such
expenditures  incurred  or  paid  by  Lender  for  such  purposes will then bear
interest  at  the  rate charged under the Note from the date incurred or paid by
Lender to the date of repayment by Grantor. All such expenses will become a part
of  the Indebtedness and, at Lender's option, will (A) be payable on demand; (B)
be added to the balance of the Note and be apportioned among and be payable with
any  installment  payments  to  become  due  during  either  (1) the term of any
applicable  insurance  policy;  or (2) the remaining term of the Note; or (C) be
treated  as  a  balloon  payment  which  will  be  due and payable at the Note's
maturity.  The  Agreement  also will secure payment of these amounts. Such right
shall  be  in  addition  to all other rights and remedies to which Lender may be
entitled  upon  Default.

LIMITATIONS  ON OBLIGATIONS OF LENDER. Lender shall use ordinary reasonable care
in  the physical preservation and custody of any certificate or passbook for the
Collateral  but  shall have no other obligation to protect the Collateral or its
value.  In  particular,  but  without  limitation,  Lender  shall  have  no
responsibility  (A)  for  the  collection  or  protection  of  any income on the
Collateral; (B) for the preservation of rights against issuers of the Collateral
or  against  third  persons;  (C)  for ascertaining any maturities, conversions,
exchanges,  offers,  tenders, or similar matters relating to the Collateral; nor
(D)  for informing the Grantor about any of the above, whether or not Lender has
or  is  deemed  to  have  knowledge  of  such  matters.

DEFAULT.  Each  of the following shall constitute an Event of Default under this
Agreement:

     Payment  Default.  Grantor  fails  to  make  any payment when due under the
     Indebtedness.

     Other  Defaults.  Grantor  fails  to  comply  with  or to perform any other
     term,  obligation,  covenant  or  condition  contained in this Agreement or

<PAGE>
                          ASSIGNMENT OF DEPOSIT ACCOUNT
                                   (Continued)                            Page 2

================================================================================

     in  any  of  the  Related  Documents  or  to  comply with or to perform any
     term,  obligation,  covenant  or condition contained in any other agreement
     between  Lender  and  Grantor.

     Default  In  Favor  of  Third  Parties.  Should  Grantor  or  any  Grantor
     default  under  any loan, extension of credit, security agreement, purchase
     or  sales agreement, or any other agreement, in favor of any other creditor
     or person that may materially affect any of Grantor's property or Grantor's
     or  any  Grantor's  ability  to  repay  the  Indebtedness  or perform their
     respective  obligations  under  this  Agreement  or  any  of  the  Related
     Documents.

     False  Statements.  Any  warranty,  representation  or  statement  made  or
     furnished  to Lender by Grantor or on Grantor's behalf under this Agreement
     or  the  Related  Documents is false or misleading in any material respect,
     either  now or at the time made or furnished or becomes false or misleading
     at  any  time  thereafter.

     Defective  Collateralization.  This  Agreement  or  any  of  the  Related
     Documents  ceases  to be in full force and effect (including failure of any
     collateral  document  to  create a valid and perfected security interest or
     lien)  at  any  time  and  for  any  reason.

     Insolvency.  The  dissolution  or  termination  of Grantor's existence as a
     going  business,  the  insolvency of Grantor, the appointment of a receiver
     for  any  part  of  Grantor's  property,  any assignment for the benefit of
     creditors,  any  type  of  creditor  workout,  or  the  commencement of any
     proceeding  under  any bankruptcy or insolvency laws by or against Grantor.

     Creditor  or  Forfeiture  Proceedings.  Commencement  of  foreclosure  or
     forfeiture  proceedings,  whether  by  judicial  proceeding,  self-help,
     repossession  or  any  other  method,  by any creditor of Grantor or by any
     governmental  agency against any collateral securing the Indebtedness. This
     includes  a  garnishment  of  any  of Grantor's accounts, including deposit
     accounts,  with  Lender.  However, this Event of Default shall not apply if
     there  is  a  good  faith  dispute  by  Grantor  as  to  the  validity  or
     reasonableness  of  the  claim  which  is  the  basis  of  the  creditor or
     forfeiture  proceeding  and  if  Grantor gives Lender written notice of the
     creditor  or  forfeiture  proceeding  and  deposits with Lender monies or a
     surety  bond  for  the  creditor  or  forfeiture  proceeding,  in an amount
     determined  by Lender, in its sole discretion, as being an adequate reserve
     or  bond  for  the  dispute.

     Events  Affecting  Guarantor.  Any  of  the  preceding  events  occurs with
     respect  to  any  Guarantor of any of the Indebtedness or Guarantor dies or
     becomes  incompetent  or  revokes or disputes the validity of, or liability
     under,  any  Guaranty  of  the  Indebtedness.

     Adverse  Change.  A  material  adverse  change  occurs  in  Grantor's
     financial  condition,  or  Lender  believes  the  prospect  of  payment  or
     performance  of  the  Indebtedness  is  impaired.

     Insecurity.  Lender  in  good  faith  believes  itself  insecure.

RIGHTS  AND  REMEDIES ON DEFAULT. Upon the occurrence of an Event of Default, or
at  any  time  thereafter,  Lender may exercise any one or more of the following
rights and remedies, in addition to any rights or remedies that may be available
at  law,  in  equity,  or  otherwise:

     Accelerate  Indebtedness.  Lender  may  declare  all  Indebtedness  of
     Grantor  to  Lender immediately due and payable, without notice of any kind
     to  Grantor.

     Surrender  of  Account.  Lender  may  surrender  the  Account to the Issuer
     and  obtain  payment  thereunder  subject  to  any early withdrawal penalty
     imposed  by  the  Issuer,  when  applicable.

     Application  of  Account  Proceeds.  Lender  may  obtain  all  funds in the
     Account  from  the issuer of the Account and apply them to the Indebtedness
     in  the  same  manner  as  if the Account had bean issued by Lender. If the
     Account  is  subject  to  an  early  withdrawal penalty, that penalty shall
     be deducted  from  the  Account  before  its application to the
     Indebtedness, whether the Account is with Lender or some other institution.
     Any excess funds remaining after application of the Account proceeds to the
     Indebtedness  will  be  paid  to  Grantor  as  the interests of Grantor may
     appear.  Grantor  agrees,  to  the  extent  permitted  by  law,  to pay any
     deficiency  after  application  of  the  proceeds  of  the  Account  to the
     Indebtedness.  Lender  also  shall  have  all the rights of a secured party
     under  the  Georgia  Uniform  Commercial  Code,  even if the Account is not
     otherwise  subject  to  such  Code  concerning  security interests, and the
     parties  to  this  Agreement  agree  that the provisions of the Code giving
     rights  to  a  secured party shall nonetheless be a part of this Agreement.

     Transfer  Title.  Lender  may  effect  transfer  of  title upon sale of all
     or  part  of the Collateral. For this purpose, Grantor irrevocably appoints
     Lender  as  Grantor's attorney-in-fact to execute endorsements, assignments
     and  instruments in the name of Grantor and each of them (if more than one)
     as  shall  be  necessary  or  reasonable.

     Other  Rights  and  Remedies.  Lender  shall  have  and may exercise any or
     all  of  the rights and remedies of a secured creditor under the provisions
     of  the  Georgia  Uniform Commercial Code, at law, in equity, or otherwise.

     Deficiency  Judgment.  If  permitted  by  applicable law, Lender may obtain
     a  judgment  for any deficiency remaining in the Indebtedness due to Lender
     after  application  of all amounts received from the exercise of the rights
     provided  in  this  section.

     Election  of  Remedies.  Except  as  may  be  prohibited by applicable law,
     all of Lender's rights and remedies, whether evidenced by this Agreement or
     by  any  other writing, shall be cumulative and may be exercised singularly
     or  concurrently. Election by Lender to pursue any remedy shall not exclude
     pursuit  of  any  other  remedy, and an election to make expenditures or to
     take action to perform an obligation of Grantor under this Agreement, after
     Grantor's  failure to perform, shall not affect Lender's right to declare a
     default  and  exercise  its  remedies.

     Cumulative  Remedies.  All  of  Lender's  rights  and  remedies,  whether
     evidenced  by  this  Agreement or by any other writing, shall be cumulative
     and  may  be  exercised  singularly  or concurrently. Election by Lender to
     pursue  any  remedy  shall  not exclude pursuit of any other remedy, and an
     election to make expenditures or to take action to perform an obligation of
     Grantor under this Agreement, after Grantor's failure to perform, shall not
     affect  Lender's  right  to declare a default and to exercise its remedies.

MISCELLANEOUS  PROVISIONS.  The following miscellaneous provisions are a part of
this  Agreement:

     Amendments.  This  Agreement,  together  with  any  Related  Documents,
     constitutes the entire understanding and agreement of the parties as to the
     matters  set forth in this Agreement. No alteration of or amendment to this
     Agreement  shall  be  effective  unless  given in writing and signed by the
     party  or  parties  sought  to  be  charged  or  bound by the alteration or
     amendment.

     Attorneys'  Fees;  Expenses.  Grantor  agrees  to  pay  upon  demand all of
     Lender's  costs  and  expenses,  including  Lender's  attorneys'  fees  and
     Lender's  legal  expenses,  incurred  in connection with the enforcement of
     this  Agreement.  Lender  may hire or pay someone else to help enforce this
     Agreement,  and  Grantor  shall  pay  the  costs  and  expenses  of  such
     enforcement.  Costs and expenses include Lender's attorneys' fees and legal
     expenses  whether  or not there is a lawsuit, including attorneys' fees and
     legal  expenses  for bankruptcy proceedings (including efforts to modify or
     vacate  any  automatic  stay  or  injunction), appeals, and any anticipated
     post-judgment  collection  services. Grantor also shall pay all court costs
     and  such  additional  fees  as  may  be  directed  by  the  court.

     Caption  Headings.  Caption  headings  in  this  Agreement  are  for
     convenience purposes only and are not to be used to interpret or define the
     provisions  of  this  Agreement.

     Governing  Law.  This  Agreement  will  be  governed  by  federal  law
     applicable  to  Lender and, to the extent not preempted by federal law, the
     laws  of  the  State  of  Georgia  without  regard  to its conflicts of law
     provisions.  This  Agreement  has  been  accepted by Lender in the State of
     Georgia.

     No  Waiver  by  Lender.  Lender  shall  not  be  deemed  to have waived any
     rights  under  this  Agreement  unless  such waiver is given in writing and
     signed  by Lender. No delay or omission on the part of Lender in exercising
     any  right  shall  operate  as a waiver of such right or any other right. A
     waiver  by  Lender  of a provision of this Agreement shall not prejudice or
     constitute a waiver of Lender's right otherwise to demand strict compliance
     with  that  provision  or  any  other provision of this Agreement. No prior
     waiver  by  Lender,  nor  any course of dealing between Lender and Grantor,
     shall  constitute a waiver of any of Lender's rights or of any of Grantor's
     obligations  as  to any future transactions. Whenever the consent of Lender
     is required under this Agreement, the granting of such consent by Lender in
     any  instance  shall  not  constitute  continuing  consent  to  subsequent
     instances  where such consent is required and in all cases such consent may
     be  granted  or  withheld  in  the  sole  discretion  of  Lender.

     Notices.  Any  notice  required  to  be given under this Agreement shall be
     given  in  writing,  and  shall  be effective when actually delivered, when
     actually received by telefacsimile (unless otherwise required by law), when
     deposited  with  a  nationally recognized overnight courier, or, if mailed,
     when  deposited  in  the  United  States mail, as first class, certified or
     registered  mail  postage prepaid, directed to the addresses shown near the
     beginning  of  this Agreement. Any party may change its address for notices
     under  this Agreement by giving formal written notice to the other parties,
     specifying that the purpose of the notice is to change the party's address.
     For notice purposes, Grantor agrees to keep Lender informed at all times of
     Grantor's current address. Unless otherwise provided or required by law, if
     there  is  more than one Grantor, any notice given by Lender to any Grantor
     is  deemed  to  be  notice  given  to  all  Grantors.

     Power  of  Attorney.  Grantor  hereby  appoints  Lender  as  its  true  and
     lawful attorney-in-fact, irrevocably, with full power of substitution to do
     the  following:  (1)  to  demand,  collect,  receive,  receipt for, sue and
     recover  all  sums  of  money  or other property which may now or hereafter
     become  due, owing or payable from the Collateral; (2) to execute, sign and
     endorse  any  and  all  claims,  instruments,  receipts,  checks, drafts or
     warrants  issued in payment for the Collateral; (3) to settle or compromise
     any  and  all  claims  arising  under  the  Collateral,

<PAGE>
                          ASSIGNMENT OF DEPOSIT ACCOUNT
                                   (Continued)                            Page 3

================================================================================

     and  in  the place and stead of Grantor, to execute and deliver its release
     and  settlement  for  the  claim; and (4) to file any claim or claims or to
     take any action or institute or take part in any proceedings, either in its
     own  name  or in the name of Grantor, or otherwise, which in the discretion
     of  Lender  may  seem  to be necessary or advisable. This power is given as
     security  for  the  Indebtedness, and the authority hereby conferred is and
     shall  be  irrevocable  and  shall  remain  in  full force and effect until
     renounced  by  Lender.

     Severability.  If  a court of competent jurisdiction finds any provision of
     this  Agreement  to  be  illegal,  invalid,  or  unenforceable  as  to  any
     circumstance,  that finding shall not make the offending provision illegal,
     invalid,  or  unenforceable  as to any other circumstance. If feasible, the
     offending  provision shall be considered modified so that it becomes legal,
     valid and enforceable. If the offending provision cannot be so modified, it
     shall  be considered deleted from this Agreement. Unless otherwise required
     by law, the illegality, invalidity, or unenforceability of any provision of
     this Agreement shall not affect the legality, validity or enforceability of
     any  other  provision  of  this  Agreement.

     Successors and Assigns. Subject to any limitations stated in this Agreement
     on transfer of Grantor's interest, this Agreement shall be binding upon and
     inure  to  the  benefit  of  the  parties, their successors and assigns. If
     ownership  of the Collateral becomes vested in a person other than Grantor,
     Lender,  without notice to Grantor, may deal with Grantor's successors with
     reference  to  this Agreement and the Indebtedness by way of forbearance or
     extension  without releasing Grantor from the obligations of this Agreement
     or  liability  under  the  Indebtedness.

     Survival  of  Representations  and  Warranties.  All  representations,
     warranties,  and agreements made by Grantor in this Agreement shall survive
     the  execution  and  delivery  of  this  Agreement,  shall be continuing in
     nature,  and  shall  remain  in  full  force  and effect until such time as
     Grantor's  Indebtedness  shall  be  paid  in  full.

     Time  is  of the Essence. Time is of the essence in the performance of this
     Agreement.

DEFINITIONS.  The following capitalized words and terms shall have the following
meanings  when  used  in  this  Agreement.  Unless  specifically  stated  to the
contrary, all references to dollar amounts shall mean amounts in lawful money of
the United States of America, Words and terms used in the singular shall include
the  plural,  and  the  plural  shall  include  the singular, as the context may
require.  Words and terms not otherwise defined in this Agreement shall have the
meanings  attributed  to  such  terms  in  the  Uniform  Commercial  Code:

     Account.  The  word  "Account"  means the deposit accounts described in the
     "Collateral  Description"  section.

     Agreement.  The  word "Agreement" means this Assignment of Deposit Account,
     as  this Assignment of Deposit Account may be amended or modified from time
     to  time,  together  with  all  exhibits  and  schedules  attached  to this
     Assignment  of  Deposit  Account  from  time  to  time.

     Borrower.  The word "Borrower" means AMERICAN CONSUMERS, INC. DBA SHOP RITE
     and  includes  all  co-signers and co-makers signing the Note and all their
     successors  and  assigns.

     Collateral.  The  word "Collateral" means all of Grantor's right, title and
     interest  in  and  to  all  the  Collateral  as described in the Collateral
     Description  section  of  this  Agreement.

     Default.  The  word "Default" means the Default set forth in this Agreement
     in  the  section  titled  "Default".

     Event  of  Default.  The words "Event of Default" mean any of the events of
     default  set  forth  in  this  Agreement  in  the  default  section of this
     Agreement.

     Grantor.  The  word "Grantor" means AMERICAN CONSUMERS, INC. DBA SHOP RITE.

     Guarantor.  The  word  "Guarantor"  means  any  guarantor,  surety,  or
     accommodation  party  of  any  or  all  of  the  indebtedness.

     Guaranty.  The word "Guaranty" means the guaranty from Guarantor to Lender,
     including  without  limitation  a  guaranty  of  all  or  part of the Note.

     Indebtedness.  The  word "Indebtedness" means the indebtedness evidenced by
     the  Note  or  Related  Documents,  including  all  principal  and interest
     together  with  all  other  indebtedness  and  costs and expenses for which
     Grantor  is  responsible  under  this Agreement or under any of the Related
     Documents,  Specifically,  without  limitation,  ndebtedness  includes all
     amounts  that  may  be  indirectly  secured  by the Cross-Collateralization
     provision  of  this  Agreement.

     Lender.  The  word  "Lender" means GATEWAY BANK & TRUST, its successors and
     assigns.

     Note.  The  word "Note" means the Note executed by AMERICAN CONSUMERS, INC.
     DBA  SHOP  RITE  in  the principal amount of $180,000.00 dated May 3, 2007,
     together  with  all  renewals  of,  extensions  of,  modifications  of,
     refinancings  of,  consolidations  of,  and  substitutions  for the note or
     credit  agreement.

     Property.  The  word  "Property"  means  all  of Grantor's right, title and
     interest  in  and  to  all  the  Property  as  described in the "Collateral
     Description"  section  of  this  Agreement.

     Related Documents. The words "Related Documents" mean all promissory notes,
     credit  agreements,  loan agreements, environmental agreements, guaranties,
     security  agreements, mortgages, deeds of trust, security deeds, collateral
     mortgages, and all other instruments, agreements and documents, whether now
     or  hereafter  existing,  executed  in  connection  with  the Indebtedness.

GRANTOR HAS READ AND UNDERSTOOD ALL THE PROVISIONS OF THIS ASSIGNMENT OF DEPOSIT
ACCOUNT  AND  AGREES  TO  ITS  TERMS.  THIS  AGREEMENT  IS  DATED  MAY  3, 2007.

THIS AGREEMENT IS GIVEN UNDER SEAL AND IT IS INTENDED THAT THIS AGREEMENT IS AND
SHALL  CONSTITUTE  AND  HAVE THE EFFECT OF A SEALED INSTRUMENT ACCORDING TO LAW.

<TABLE>
<CAPTION>
GRANTOR:

AMERICAN CONSUMERS, INC. DBA SHOP RITE
<S>                                               <C>
By: /s/ Michael A. Richardson             (Seal)  By: /s/ Paul R. Cook                        (Seal)
    --------------------------------------            ----------------------------------------
    MICHAEL A. RICHARDSON, President of               PAUL R. COOK, Chief Financial Officer of
    AMERICAN CONSUMERS, INC. DBA SHOP RITE            AMERICAN CONSUMERS, INC. DBA SHOP RITE
</TABLE>

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