Document:

EXHIBIT 10.18

                        FIFTH AMENDMENT TO LOAN AGREEMENT

         THIS FIFTH AMENDMENT TO LOAN AGREEMENT, made as of this 31 day of May,
2000, by and among SCHULTZ SAV-O STORES, INC. ("Borrower"), M&I MARSHALL &
ILSLEY BANK, a Wisconsin banking corporation ("M&I"), and FIRSTAR BANK
MILWAUKEE, N.A., a national banking association ("Firstar" and, together with
M&I, the "Banks"). Unless otherwise indicated, capitalized terms used herein and
not defined shall have the meanings assigned thereto in the Loan Agreement
described below.

                                   WITNESSETH:

         WHEREAS, Borrower, M&I and Firstar are parties to that certain Loan
Agreement dated as of December 3, 1992, as amended by that certain First
Amendment to Loan Agreement dated September 23, 1994, that certain Second
Amendment to Loan Agreement dated December 17, 1996, that certain Third
Amendment to Loan Agreement dated May 14, 1997, and that certain Fourth
Amendment to Loan Agreement dated December 31, 1998 (as so amended, the "Loan
Agreement"); and

         WHEREAS, Borrower has available a $9,000,000 revolving line of credit
facility with M&I and a $7,000,000 revolving line of credit facility with
Firstar (collectively, the "Lines of Credit") pursuant to the Loan Agreement;
and

         WHEREAS, Borrower and the Banks desire to amend the Loan Agreement to
amend the definitions of Maturity Date and Net Earnings Available For Restricted
Payments.

         NOW, THEREFORE, in consideration of the premises and mutual agreements
contained herein and other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:

         1. Amendment to Section 1 (b) (Master Notes). The definition of
Maturity Date is amended be deleting "April 30, 2001" and inserting in lieu
thereof "April 30, 2003".

         2. Amendment to Section 9 (l) (Net Earnings Available For Restricted
Payments). The definition of Net Earnings Available For Restricted Payments is
amended by restating the definition in its entirety as follows:

         (l) "Net Earnings Available For Restricted Payments" shall mean an
         amount equal to (i) the sum of (A) $23,263,000, (B) 50% (or minus 100%
         in the case of a deficit) of Net Earnings for the period (taken as one
         accounting period) commencing December 29, 1991, and terminating at the
         end of the last fiscal quarter preceding the date of any proposed
         Restricted Payment, (C) 100% of the tax benefit realized by the
         Borrower as a result of the exercise by employees of stock options of
         the Borrower (reflected in the Borrower's Consolidated Statement of
         Shareholders' Investment as "Exercise of Stock Options" under the
         heading "Additional Paid-in Capital"), and (D) 100% of the net cash
         proceeds received by the Company from the issuance or sale of
         authorized but unissued shares of its Common Stock, but only to the
         extent of the number of such shares previously acquired in transactions
         which constituted the making of Restricted Payments, less (ii) the sum
         of all Restricted Payments made on or after December 29, 1991.

         3. Effective Date. This Amendment shall be effective upon the execution
and delivery by Borrower to the Banks of the following:

         (a) This Amendment duly executed by the President and Secretary of
Borrower; and

<PAGE>

         (b) A copy of the resolution or resolutions, in form satisfactory to
the Banks and their legal counsel, duly adopted by the Board of Directors of
Borrower approving this Amendment, certified to be true and correct by the
Secretary of Borrower.

         4. Miscellaneous.

         (a) Continuance of Loan Documents. Except as specifically amended by
this Amendment, the Loan Agreement and all other instruments, documents and
agreements executed and delivered in connection with the Loan Agreement
collectively, the "Loan Documents") remain in full force and effect. This
Amendment is an amendment and not a novation.

         (b) Representations and Warranties. Customer represents and warrants
that the execution, delivery and performance of this Amendment are within the
corporate powers of Borrower, have been duly authorized by all necessary
corporate action, and do not and will not (a) require any consent or approval of
the shareholders of Borrower; (b) violate any provision of the Articles of
Incorporation or By-laws of Borrower or of any law, rule, regulation, order,
writ, judgment, injunction, decree, determination or award presently in effect
having applicability to Borrower; (c) require the consent or approval of, or
filing of a registration with, any government body, agency or authority; or (d)
result in any breach of or constitute a default under, or result in the
imposition of any lien, charge or encumbrance upon any property of Borrower
pursuant to any indenture or other agreement or instrument under which Borrower
is a party or by which it or its properties may be bound or affected. Borrower
further represents and warrants that this Amendment constitutes the legal, valid
and binding obligation of Borrower enforceable in accordance with its terms,
except as such enforceability may be limited by bankruptcy or similar laws
affecting the enforceability of creditors' rights generally. In addition, each
of the representations and warranties made by Borrower in the Loan Agreement are
true and correct as of the date of this Amendment except for matters permitted
or contemplated by the Loan Agreement.

         (c) References. When any Loan Document is referred to in any other Loan
Document or any of the other documents, instruments or materials executed and
delivered heretofore or hereafter pursuant to the Loan Agreement, it shall be
deemed to refer to such Loan Document as amended by this Amendment.

         (d) Expenses and Attorneys' Fees. In accordance with Section 10(f) of
the Loan Agreement, Borrower shall pay all fees and expenses incurred by the
Banks, including the reasonable fees of counsel, in connection with the
preparation of this Amendment, the consummation of the transactions contemplated
by this Amendment and the protection or enforcement of the rights of the Banks
under the Loan Agreement.

         (e) Survival. All agreements, representations and warranties made in
this Amendment or in any documents delivered pursuant to this Amendment shall
survive the execution of this Amendment and the delivery of any such document.

         (f) Governing Law. This Amendment and the other documents issued
pursuant to this Amendment are governed by the laws of the State of Wisconsin
without reference to the conflict of law principles of such state.

         (g) Counterparts; Headings. This Amendment may be executed in several
counterparts, each of which shall be deemed an original, but such counterparts
shall together constitute one and the same agreement. Article and Section
headings in this Amendment are inserted for convenience of reference only and
shall not constitute a part hereof.

         (h) Severability. Any provision of this Amendment that is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective
to the extent of such prohibition or unenforceability without invalidating the
remaining provisions of this Amendment or affecting the validity or
enforceability of such provision in any other jurisdiction.

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<PAGE>

         IN WITNESS WHEREOF, the parties hereto have executed this Fourth
Amendment to Loan Agreement as of the day, month and year first above-written.

                   (Signatures continue on the following page)

                                       3
<PAGE>

                                        SCHULTZ SAV-O STORES, INC.

                                        By:   /s/ James H. Dickelman
                                            ------------------------------------
                                            James H. Dickelman, Chairman,
                                              President and Chief Executive
                                              Officer

                                        Attest:  /s/ Armand C. Go
                                               ---------------------------------
                                               Armand C. Go, Treasurer and Chief
                                                 Accounting Officer

                                        M&I MARSHALL & ILSLEY BANK

                                        By:   /s/ Thomas F. Bickelhaupt
                                            ------------------------------------
                                            Thomas F. Bickelhaupt, Vice
                                             President

                                        FIRSTAR BANK MILWAUKEE, N.A.

                                        By   /s/ Caroline Krider, VP
                                           -------------------------------------
                                            Caroline Krider, Vice President

                                       4EXHIBIT 10.19

                                                      --------------------------
                                                         AS ADOPTED 12/14/00
                                                      --------------------------

                           SCHULTZ SAV-O STORES, INC.
                   2001 NONEMPLOYEE DIRECTOR STOCK OPTION PLAN

                                   Article I.
                      ESTABLISHMENT, PURPOSE AND DURATION.

         Section 1.1. Establishment of the Plan. Schultz Sav-O Stores, Inc.
hereby establishes an incentive compensation plan to be known as "Schultz Sav-O
Stores, Inc. 2001 Nonemployee Director Stock Option Plan" (the "Plan"), as set
forth in this document. The Plan permits the grant of Nonqualified Stock Options
to Nonemployee Directors, subject to the terms and provisions set forth herein.
The Plan shall be effective upon the date that the Company's shareholders
approve the Plan so long as such approval occurs on or before December 14, 2001
(the "Effective Date") and no Grants shall be made prior to the Effective Date.

         Section 1.2. Purpose of the Plan. The purpose of the Plan is to promote
the best interests of the Company and its shareholders by providing Nonemployee
Directors (as defined below) with an opportunity to acquire a, or increase
their, proprietary interest in the Company. It is intended that the Plan will
enhance the incentives and personal interests in the welfare of the Company by
the Nonemployee Directors who are responsible for shaping the long-range plans
of the Company and securing the Company's continued growth and financial
success.

         Section 1.3. Duration of the Plan. The Plan shall commence on the
Effective Date and shall remain in effect, subject to the right of the Board of
Directors to terminate the Plan at any time pursuant to Item 14(a)8.8.Article
VII herein, until all Shares subject to it shall have been purchased or acquired
according to the Plan's provisions. However, in no event may an Option be
granted under the Plan on or after the tenth anniversary of the Effective Date.

                                  Article II.
                                  DEFINITIONS.

         Whenever used in the Plan, the following terms shall have the meanings
set forth below and, when the meaning is intended, the initial letter of the
word or words is capitalized:

         (a) "Beneficial Owner" shall have the meaning ascribed to such term in
Rule 13d-3 of the General Rules and Regulations under the Exchange Act.

         (b) "Board" or "Board or Directors" means the Board of Directors of the
Company, and includes any committee of the Board of Directors designated by the
Board to administer part or all of the Plan consistent with the terms of the
Plan.

         (c) "Code" shall mean the Internal Revenue Code of 1986, as amended
from time to time.

         (d) "Committee" shall mean the Stock Option Committee of the Board of
Directors of the Company (or any other committee or committees thereof
designated by such Board to administer the Plan); provided, however, that the
Committee is composed of not less than two directors, each of whom is a
"disinterested person" within the meaning of Rule 16b-3.

         (e) "Company" means Schultz Sav-O Stores, Inc., a Wisconsin
corporation, or any successor thereto as provided in 0 herein.

         (f) "Director" means any individual who is a member of the Board of
Directors.

<PAGE>

         (g) "Employee" means any full-time or part-time employee of the Company
or any of its subsidiaries. For purposes of the Plan, an individual whose only
employment relationship with the Company or its subsidiaries is as a Director or
a consultant shall not be deemed to be an Employee.

         (h) "Exchange Act" means the Securities Exchange Act of 1934, as
amended from time to time, or any successor act thereto.

         (i) "Fair Market Value" means, with respect to any property (including,
without limitation, any Shares or other securities), the fair market value of
such property determined by such methods or procedures as shall be established
from time to time by the Committee.

         (j) "Grant" means a grant of Nonqualified Stock Options under the Plan.

         (k) "Nonemployee Director" means any Director who is not otherwise an
Employee.

         (l) "Nonqualified Stock Option" means an Option to purchase Shares
granted under Item 14(a)8.8.Article VI herein.

         (m) "Option" means a Nonqualified Stock Option granted under the Plan.

         (n) "Option Agreement" shall mean any written agreement, contract or
other instrument or document evidencing any Grant granted under the Plan.

         (o) "Option Price" means the exercise price at which a Share may be
purchased under an Option.

         (p) "Participant" means a Nonemployee Director of the Company who has
outstanding a viable Grant under the Plan.

         (q) "Person" shall have the meaning ascribed to such term in Section
3(a)(9) of the Exchange Act and used in Sections 13(d) and 14(d) thereof,
including a "group" as defined in Section 13(d).

         (r) "Shares" shall mean shares of common stock of the Company, $0.05
par value, and such other securities or property as may become subject to Grants
pursuant to an adjustment made under Item 14(a)8.8.Article IV of the Plan.

                                  Article III.
                                 ADMINISTRATION.

         Section 3.1. The Committee. The Plan shall be administered by the
Committee; provided, however, that if at any time the Committee shall not be in
existence, the functions of the Committee as specified in the Plan shall be
exercised by those members of the Board of Directors of the Company who qualify
as "disinterested persons" under Rule 16b-3.

         Section 3.2. Administration by the Committee. The Committee shall have
the full power, discretion and authority to interpret and administer the Plan in
a manner which is consistent with the Plan's provisions. However, in no event
shall the Committee have the power to determine eligibility to participate in
the Plan, or to determine the number, the value, the vesting or exercise period
or the timing of Grants to be made under the Plan (all such determinations are
automatic pursuant to the provisions of the Plan). Any action taken by the
Committee with respect to the administration of the Plan which would violate
Rule 16b-3(c)(2) under the Exchange Act (or any successor provision) shall be
null and void.

         Section 3.3. Decisions Binding. Unless otherwise expressly provided in
the Plan, all designations, determinations, interpretations and other decisions
under or with respect to the Plan or any Grant

                                       2
<PAGE>

shall be within the sole discretion of the Committee, may be made at any time or
from time to time, and shall be final, conclusive and binding upon all Persons,
including the Company, any affiliate, any Nonemployee Director, any holder or
beneficiary of any Grant, any shareholder and any employee of the Company or of
any Affiliate.

                                  Article IV.
                           SHARES SUBJECT TO THE PLAN.

         Section 4.1. Number of Shares. Subject to adjustment as provided in
Item 14(a)8.8.Article IV(e):

         (a) Number of Shares Available. The number of Shares with respect to
which Grants may be granted under the Plan shall be 200,000.

         (b) Accounting for Grants. The number of Shares covered by a Grant
under the Plan, or to which such Grant relates, shall be counted on the date of
grant of such Grant against the number of Shares available for granting Grants
under the Plan.

         (c) Sources of Shares Deliverable Under Grants. Any Shares delivered
pursuant to a Grant may consist, in whole or in part, of authorized and unissued
Shares or of treasury Shares.

         (d) Lapsed Grants. If any Share under an Option granted under the Plan
terminates, expires or lapses for any reason, such Share again shall become
automatically available for issuance pursuant to other Grants under the Plan.
However, in the event that prior to the Option's termination, expiration or
lapse, the holder of the Options at any time received one or more "benefits of
ownership" pursuant to such Options (as defined by the Securities and Exchange
Commission, pursuant to any rule or interpretation promulgated under Section 16
of the Exchange Act), the Shares subject to such Options shall not be made
available for regrant under the Plan.

         (e) Adjustments in Authorized Shares. In the event of any merger,
reorganization, consolidation, recapitalization, separation, liquidation, stock
dividend, stock split, split-up, Share combination, or other change in the
corporate structure of the Company affecting the Shares (excluding cash
dividends), the Committee may make such adjustments to outstanding Options
(including, without limitation, the number of Shares subject to the Options and
the Option Price) as may be determined to be appropriate and equitable by the
Committee, in its sole discretion, to prevent dilution or diminishment of a
Grant and to otherwise appropriately adjust the remaining number of Shares
reserved and available for Grants under 0 of the Plan; provided, however, that
no such adjustment shall be made if the adjustment may cause the Plan to fail to
comply with the "formula award" exception, as set forth in Rule
16b-3(c)(2)(ii)(A) under the Exchange Act (or any successor provision).

                                   Article V.
                         ELIGIBILITY AND PARTICIPATION.

         Section 5.1. Eligibility. Persons eligible to participate in the Plan
are limited to Nonemployee Directors.

         Section 5.2. Actual Participation. Each Nonemployee Director during the
term of this Plan shall receive a Grant pursuant to the terms and provisions set
forth in Item 14(a)8.8.Article VI herein.

                                  Article VI.
                           NONQUALIFIED STOCK OPTIONS.

         Section 6.1. Automatic Grants. Subject to adjustment as provided in
Item 14(a)8.8.Article IV(e), on the date of initial election or appointment of a
Nonemployee Director during the term of the Plan or, on the Effective Date in
the case of each Nonemployee Director who is serving as such on the Effective
Date, each such Nonemployee Director shall be automatically granted an Option to
purchase 5,000 Shares. Subject to

                                       3
<PAGE>

adjustment as provided in Item 14(a)8.8.Article IV(e), thereafter, on the final
day of each fiscal year of the Company during the term of the Plan, each then
serving Nonemployee Director shall be automatically granted an Option to
purchase 5,000 Shares. The specific terms and provisions of such Grants shall be
consistent with the terms of the Plan and incorporated into Option Agreements,
executed pursuant to 0 of the Plan.

         Section 6.2. Limitation on Grants. Other than the automatic Grants
provided in 0 herein, no additional Options shall be granted under the Plan.

         Section 6.3. Option Agreements. Each Grant shall be evidenced by an
Option Agreement that shall specify the Option Price, the duration of the
Option, the number of Shares available for purchase under the Option Agreement,
and such other provisions as the Committee shall determine appropriate,
consistent with the terms of the Plan.

         Section 6.4. Option Price. The exercise price per Share of an Option
granted pursuant to this 0 shall be determined by the Committee; provided,
however, that such exercise price shall not be less than 100% of the Fair Market
Value of a Share on the date of grant of such Option.

         Section 6.5. Option Term. The term of each Option shall be fixed by the
Committee; provided, however, that in no event shall the term of any Option
exceed a period of ten years from the date of its grant.

         Section 6.6. Exercisability of Shares Subject to Option. Subject to 0,
an Option shall become exercisable in such manner and within such period or
periods and in such installments or otherwise as shall be determined by the
Committee. The Committee also shall determine the method or methods by which,
and the form or forms, including, without limitation, cash, Shares, other
securities, other Grants, other property or any combination thereof, having a
Fair Market Value on the exercise date equal to the relevant exercise price, in
which payment of the exercise price with respect to any Option may be made or
deemed to have been made.

         Section 6.7. Termination of Directorship. If a Participant ceases to be
a Director for any reason, including death, disability or retirement, all
Options granted to such Participant which remain outstanding shall remain
exercisable for six months following the date the Nonemployee Director's service
on the Board terminates, or until the respective Options' expiration date,
whichever period is shorter.

         Section 6.8. Restrictions on Share Transferability. Shares acquired
pursuant to the exercise of an Option under the Plan shall be subject to
applicable restrictions under applicable federal securities laws, under the
requirements of any national securities exchange or market upon which such
Shares are then listed and/or traded, and under any blue sky or state securities
laws applicable to such Shares.

         Section 6.9. Nontransferability of Options. Except as otherwise
provided by the Board of Directors of the Company or the Committee, Grants
granted under the Plan shall not be transferable other than as designated by the
Nonemployee Director by will or by the laws of descent and distribution. In the
event that the Board of Directors of the Company or the Committee shall permit a
transfer of a Grant, any permitted transferee shall have all of the rights of
the Nonemployee Director under the Plan, as if the Nonemployee Director had
retained such Grant.

                                  Article VII.
                    AMENDMENT, MODIFICATION AND TERMINATION.

         Section 7.1. Amendments to and Termination of the Plan. The Board of
Directors of the Company may at any time amend, alter, suspend, discontinue or
terminate the Plan; provided, however, that shareholder approval of any
amendment of the Plan shall also be obtained if otherwise required by: (i) the
rules and/or regulations promulgated under Section 16 of the Exchange Act (in
order for the Plan to remain qualified under Rule 16b-3); (ii) the Code or any
rules promulgated thereunder (in order to allow for Incentive Stock Options to
be granted under the Plan); or (iii) the quotation or listing requirements of
the Nasdaq National Market

                                       4
<PAGE>

or any principal securities exchange or market on which the Shares are then
traded (in order to maintain the quotation or listing of the Shares thereon).
Termination of the Plan shall not affect the rights of Nonemployee Directors
with respect to Grants previously granted to them, and all unexpired Grants
shall continue in force and effect after termination of the Plan except as they
may lapse or be terminated by their own terms and conditions.

         Section 7.2. Correction of Defects, Omissions and Inconsistencies. The
Committee may in its discretion correct any defect, supply any omission or
reconcile any inconsistency in any Grant or Option Agreement in the manner and
to the extent it shall deem desirable to carry the Plan into effect.

                                 Article VIII.
                                 MISCELLANEOUS.

         Section 8.1. Gender and Number. Except where otherwise indicated by the
context, any masculine term used herein also shall include the feminine; the
plural shall include the singular and the singular shall include the plural.

         Section 8.2. Severability. In the event any provision of the Plan shall
be held illegal or invalid for any reason, the illegality or invalidity shall
not affect the remaining parts of the Plan, and the Plan shall be construed and
enforced as if the illegal or invalid provision had not been included.

         Section 8.3. No Right of Nomination or Directorship. Nothing in the
Plan or any Option Agreement shall be deemed to create any obligation on the
part of the Board to appoint or nominate any Director or other Person for
election or appointment to the Board or any right of any Person to serve as a
Director. Nothing herein or in any Option Agreement shall interfere in any way
with the right of the Company, its Board or its shareholders to terminate a
Participant's status as a Director at any time consistent with the Company's
Articles of Incorporation and Bylaws.

         Section 8.4. Shares Available. The Shares made available pursuant to
Grants under the Plan may be either authorized but unissued Shares, or Shares
which have been or may be reacquired by the Company, as determined from time to
time by the Board.

         Section 8.5. Additional Compensation. Options granted under the Plan
shall be in addition to any annual retainer, attendance fees, expense
reimbursements or other compensation or benefits payable to each Participant as
a result of his or her service on the Board or otherwise.

         Section 8.6. Successors. All obligations of the Company under the Plan,
with respect to Grants hereunder, shall be binding on any successor to the
Company, whether the existence of such successor is the result of a direct or
indirect purchase, merger, consolidation or otherwise, of all or substantially
all of the business, stock and/or assets of the Company or its subsidiaries.

         Section 8.7. Requirements of Law. Grants under the Plan shall be
subject to all applicable laws rules and regulations, and to such approvals by
any governmental agencies or national securities exchanges as may be required.

         Section 8.8. Governing Law. The Plan and all Option Agreements
hereunder shall be construed in accordance with and governed by the internal
laws of the State of Wisconsin.

                                       5

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