Document:

EXHIBIT 10.13

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                                                     Adopted 12/20/94
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                                                    Effective 1/30/95
                                               As Amended Through 12/14/00
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                           SCHULTZ SAV-O STORES, INC.
                           1995 EQUITY INCENTIVE PLAN

       1.     Purpose

       The purpose of Schultz Sav-O Stores, Inc. 1995 Equity Incentive Plan (the
       "Plan") is to promote the best interests of Schultz Sav-O Stores, Inc.
       (the "Company") and its shareholders by providing key employees of the
       Company and its Affiliates (as defined below) with an opportunity to
       acquire a, or increase their, proprietary interest in the Company. It is
       intended that the Plan will promote continuity of management and
       increased incentive and personal interest in the welfare of the Company
       by those key employees who are primarily responsible for shaping and
       carrying out the long-range plans of the Company and securing the
       Company's continued growth and financial success.

       2.     Definitions

         (a) As used in the Plan, the following terms shall have the respective
meanings set forth below:

         (b) "Affiliate" shall mean any entity that, directly or through one or
more intermediaries, is controlled by, controls, or is under common control
with, the Company.

         (c) "Award" shall mean any Option, Stock Appreciation Right, Restricted
Stock or Performance Share granted under the Plan.

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

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

         (f) "Commission" shall mean the Securities and Exchange Commission.

         (g) "Committee" shall mean the Stock Option Committee of the Board of
Directors of the Company (or any other committee 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.

         (h) "Exchange Act" shall mean the Securities Exchange Act of 1934, as
amended from time to time.

         (i) "Fair Market Value" shall mean, 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) "Incentive Stock Option" shall mean an option granted under Section
6(a) of the Plan that is intended to meet the requirements of Section 422 of the
Code (or any successor provision thereto).

         (k) "Key Employee" shall mean any officer or other key employee of the
Company or of any Affiliate who is responsible for or contributes to the
management, growth or profitability of the business of the Company or any
Affiliate as determined by the Committee in its discretion.

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         (l) "Non-Qualified Stock Option" shall mean an option granted under
Section 6(a) of the Plan that is not intended to be an Incentive Stock Option.

         (m) "Option" shall mean an Incentive Stock Option or a Non-Qualified
Stock Option.

         (n) "Participating Key Employee" shall mean a Key Employee designated
to be granted an Award under the Plan.

         (o) "Performance Period" shall mean, in relation to Performance Shares,
any period for which a performance goal or goals have been established.

         (p) "Performance Share" shall mean any right granted under Section 6(d)
of the Plan that will be paid out as a Share (which, in specified circumstances,
may be a Share of Restricted Stock).

         (q) "Person" shall mean any individual, corporation, partnership,
association, joint-stock company, trust, unincorporated organization or
government or political subdivision thereof.

         (r) "Released Securities" shall mean Shares of Restricted Stock with
respect to which all applicable restrictions have expired, lapsed or been
waived.

         (s) "Restricted Securities" shall mean Awards of Restricted Stock or
other Awards under which issued and outstanding Shares are held subject to
certain restrictions.

         (t) "Restricted Stock" shall mean any Share granted under Section 6(c)
of the Plan or, in specified circumstances, a Share paid in connection with a
Performance Share under Section 6(e) of the Plan.

         (u) "Rule 16b-3" shall mean Rule 16b-3 as promulgated by the Commission
under the Exchange Act, or any successor rule or regulation thereto.

         (v) "Shares" shall mean shares of common stock of the Company, $0.05
par value (including the associated Common Stock Purchase Rights), and such
other securities or property as may become subject to Awards pursuant to an
adjustment made under Section 4(b) of the Plan.

         (w) "Stock Appreciation Right" shall mean any right granted under
Section 6(b) of the Plan.

       3.     Administration

         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. Subject to the terms of the Plan and applicable laws and
without limitation by reason of enumeration, the Committee shall have full
discretionary power and authority to: (i) designate Participating Key Employees;
(ii) determine the type or types of Awards to be granted to each Participating
Key Employee under the Plan; (iii) determine the number of Shares to be covered
by (or with respect to which payments, rights or other matters are to be
calculated in connection with) Awards granted to Participating Key Employees;
(iv) determine the terms and conditions of any Award granted to a Participating
Key Employee; (v) determine whether, to what extent and under what circumstances
Awards granted to Participating Key Employees may be settled or exercised in
cash, Shares, other securities, other Awards or other property, and the method
or methods by which Awards may be settled, exercised, canceled, forfeited or
suspended; (vi) determine whether, to what extent and under what circumstances
cash, Shares, other Awards and other amounts payable with respect to an Award
granted to Participating Key Employees under the Plan shall be deferred either
automatically or at the election of the holder thereof or of the Committee;
(vii) interpret and administer the Plan and any instrument or agreement relating
to, or Award made under, the Plan (including, without limitation, any Award
Agreement); (viii) establish, amend,

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suspend or waive such rules and regulations and appoint such agents as it shall
deem appropriate for the proper administration of the Plan; and (ix) make any
other determination and take any other action that the Committee deems necessary
or desirable for the administration of the Plan. Unless otherwise expressly
provided in the Plan, all designations, determinations, interpretations and
other decisions under or with respect to the Plan or any Award 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 Participating Key Employee, any holder or
beneficiary of any Award, any shareholder and any employee of the Company or of
any Affiliate.

       4.     Shares Available for Award

         (a) Shares Available. Subject to adjustment as provided in Section
4(b):

                  (i) Number of Shares Available. The number of Shares with
         respect to which Awards may be granted under the Plan shall be
         1,750,000, subject to the limitations set forth in Section 6(c)(i).

                  (ii) Accounting for Awards. The number of Shares covered by an
         Award under the Plan, or to which such Award relates, shall be counted
         on the date of grant of such Award against the number of Shares
         available for granting Awards under the Plan.

                  (iii) Sources of Shares Deliverable Under Awards. Any Shares
         delivered pursuant to an Award may consist, in whole or in part, of
         authorized and unissued Shares or of treasury Shares.

         (b) Adjustments. In the event that the Committee shall determine that
any dividend or other distribution (whether in the form of cash, Shares, other
securities or other property), recapitalization, stock split, reverse stock
split, reorganization, merger, consolidation, split-up, spin-off, combination,
repurchase or exchange of Shares or other securities of the Company, issuance of
warrants or other rights to purchase Shares or other securities of the Company,
or other similar corporate transaction or event affects the Shares such that an
adjustment is determined by the Committee to be appropriate in order to prevent
dilution or enlargement of the benefits or potential benefits intended to be
made available under the Plan, then the Committee may, in such manner as it may
deem equitable, adjust any or all of (i) the number and type of Shares subject
to the Plan and which thereafter may be made the subject of Awards under the
Plan; (ii) the number and type of Shares subject to outstanding Awards; and
(iii) the grant, purchase or exercise price with respect to any Award, or, if
deemed appropriate, make provision for a cash payment to the holder of an
outstanding Award; provided, however, in each case, that with respect to Awards
of Incentive Stock Options no such adjustment shall be authorized to the extent
that such authority would cause the Plan to violate Section 422(b) of the Code
(or any successor provision thereto); and provided further that the number of
Shares subject to any Award payable or denominated in Shares shall always be a
whole number.

       5.     Eligibility

         Any Key Employee, including any executive officer or employee-director
of the Company or of any Affiliate, who is not a member of the Committee shall
be eligible to be designated a Participating Key Employee.

       6.     Awards

         (a) Option Awards. The Committee is hereby authorized to grant Options
to Key Employees with the terms and conditions as set forth below and with such
additional terms and conditions, in either case not inconsistent with the
provisions of the Plan, as the Committee shall determine in its discretion.

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                  (i) Exercise Price. The exercise price per Share of an Option
         granted pursuant to this Section 6(a) 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.

                  (ii) 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.

                  (iii) Exercisability and Method of Exercise. 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 Awards, 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.

                  (iv) Incentive Stock Options. The terms of any Incentive Stock
         Option granted under the Plan shall comply in all respects with the
         provisions of Section 422 of the Code (or any successor provision
         thereto) and any regulations promulgated thereunder. Notwithstanding
         any provision in the Plan to the contrary, no Incentive Stock Option
         may be granted hereunder after the tenth anniversary of the adoption of
         the Plan by the Board of Directors of the Company.

         (b) Stock Appreciation Right Awards. The Committee is hereby authorized
to grant Stock Appreciation Rights to Key Employees. Subject to the terms of the
Plan and any applicable Award Agreement, a Stock Appreciation Right granted
under the Plan shall confer on the holder thereof a right to receive, upon
exercise thereof, the excess of (i) the Fair Market Value of one Share on the
date of exercise over (ii) the grant price of the Stock Appreciation Right as
specified by the Committee, which shall not be less than 100% of the Fair Market
Value of one Share on the date of grant of the Stock Appreciation Right. Subject
to the terms of the Plan, the grant price, term, methods of exercise, methods of
settlement (including whether the Participating Key Employee will be paid in
cash, Shares, other securities, other Awards, or other property or any
combination thereof), and any other terms and conditions of any Stock
Appreciation Right shall be as determined by the Committee in its discretion.
The Committee may impose such conditions or restrictions on the exercise of any
Stock Appreciation Right as it may deem appropriate, including, without
limitation, restricting the time of exercise of the Stock Appreciation Right to
specified periods as may be necessary to satisfy the requirements of Rule 16b-3.

         (c) Restricted Stock Awards

                  (i) Issuance. The Committee is hereby authorized to grant
         Awards of Restricted Stock to Key Employees; provided, however, that
         the aggregate number of Shares of Restricted Stock granted under the
         Plan to all Participating Key Employees as a group shall not exceed
         75,000 Shares (such number of Shares subject to adjustment in
         accordance with the terms of Section 4(b) hereof) of the total number
         of Shares available for Awards under Section 4(a)(i).

                  (ii) Restrictions. Shares of Restricted Stock granted to
         Participating Key Employees shall be subject to such restrictions as
         the Committee may impose in its discretion (including, without
         limitation, any limitation on the right to vote a Share of Restricted
         Stock or the right to receive any dividend or other right or property),
         which restrictions may lapse separately or in combination at such time
         or times, in such installments or otherwise, as the Committee may deem
         appropriate in its discretion.

                  (iii) Registration. Any Restricted Stock granted under the
         Plan to a Participating Key Employee may be evidenced in such manner as
         the Committee may deem appropriate in its discretion, including,
         without limitation, book-entry registration or issuance of a stock
         certificate or

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         certificates. In the event any stock certificate is issued in respect
         of Shares of Restricted Stock granted under the Plan to a Participating
         Key Employee, such certificate shall be registered in the name of the
         Participating Key Employee and shall bear an appropriate legend (as
         determined by the Committee) referring to the terms, conditions and
         restrictions applicable to such Restricted Stock.

                  (iv) Payment of Restricted Stock. At the end of the applicable
         restriction period relating to Restricted Stock granted to a
         Participating Key Employee, one or more stock certificates for the
         appropriate number of Shares, free of restrictions imposed under the
         Plan, shall be delivered to the Participating Key Employee or, if the
         Participating Key Employee received stock certificates representing the
         Restricted Stock at the time of grant, the legends placed on such
         certificates shall be removed.

                  (v) Forfeiture. Except as otherwise determined by the
         Committee in its discretion, upon termination of employment of a
         Participating Key Employee (as determined under criteria established by
         the Committee in its discretion) for any reason during the applicable
         restriction period, all Shares of Restricted Stock still subject to
         restriction shall be forfeited by the Participating Key Employee;
         provided, however, that the Committee may, when it finds that a waiver
         would be in the best interests of the Company, waive in whole or in
         part any or all remaining restrictions with respect to Shares of
         Restricted Stock held by a Participating Key Employee.

         (d) Performance Share Awards

                  (i) Issuance. The Committee is hereby authorized to grant
         Awards of Performance Shares to Key Employees.

                  (ii) Performance Goals and Other Terms. The Committee shall
         determine in its discretion the Performance Period, the performance
         goal or goals to be achieved during any Performance Period, the
         proportion of payments, if any, to be made for performance between the
         minimum and full performance levels, the restrictions applicable to
         Shares of Restricted Stock received upon payment of Performance Shares
         if Performance Shares are paid in such manner, and any other terms,
         conditions and rights relating to a grant of Performance Shares.
         Performance goals established by the Committee may be based on one or
         more measures such as return on shareholders' equity, earnings or any
         other standard or standards deemed relevant by the Committee, measured
         internally or relative to other organizations and before or after
         extraordinary items.

                  (iii) Rights and Benefits During the Performance Period. The
         Committee may provide that, during a Performance Period, a
         Participating Key Employee shall be paid cash amounts, with respect to
         each Performance Share held by such Participating Key Employee, in the
         same manner, at the same time, and in the same amount paid, as a cash
         dividend on a Share. Participating Key Employees shall have no voting
         rights with respect to Performance Shares held by them.

                  (iv) Adjustments with Respect to Performance Shares. Any other
         provision of the Plan to the contrary notwithstanding, the Committee
         may in its discretion at any time or from time to time adjust
         performance goals (up or down) and minimum or full performance levels
         (and any intermediate levels and proportion of payments related
         thereto), adjust the manner in which performance goals are measured, or
         shorten any Performance Period or waive in whole or in part any or all
         remaining restrictions with respect to Shares of Restricted Stock
         issued in payment of Performance Shares, if the Committee determines
         that conditions, including but not limited to, changes in the economy,
         changes in competitive conditions, changes in laws or governmental
         regulations, changes in generally accepted accounting principles,
         changes in the Company's accounting policies, acquisitions or
         dispositions by the Company or its Affiliates, or the occurrence of
         other unusual, unforeseen or extraordinary events, so warrant.

                  (v) Payment of Performance Shares. As soon as is reasonably
         practicable following the end of the applicable Performance Period, one
         or more certificates representing the number

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         of Shares equal to the number of Performance Shares payable shall be
         registered in the name of and delivered to the Participating Key
         Employee; provided, however, that any Shares of Restricted Stock
         payable in connection with Performance Shares shall, pending the
         expiration, lapse, or waiver of the applicable restrictions, be
         evidenced in the manner as set forth in Section 6(c)(iii) hereof.

         (e) General

                  (i) No Consideration for Awards. Awards shall be granted to
         Participating Key Employees for no cash consideration unless otherwise
         determined by the Committee.

                  (ii) Award Agreements. Each Award granted under the Plan shall
         be evidenced by an Award Agreement in such form (consistent with the
         terms of the Plan) as shall have been approved by the Committee.

                  (iii) Awards May Be Granted Separately or Together. Awards to
         Participating Key Employees under the Plan may be granted either alone
         or in addition to, in tandem with, or in substitution for, any other
         Award or any award granted under any other plan of the Company or any
         Affiliate. Awards granted in addition to, or in tandem with, other
         Awards, or in addition to, or in tandem with, awards granted under any
         other plan of the Company or any Affiliate, may be granted either at
         the same time as or at a different time from the grant of such other
         Awards or awards.

                  (iv) Forms of Payment Under Awards. Subject to the terms of
         the Plan and of any applicable Award Agreement, payments or transfers
         to be made by the Company or an Affiliate upon the grant, exercise or
         payment of an Award to a Participating Key Employee may be made in such
         form or forms as the Committee shall determine, and may be made in a
         single payment or transfer, in installments, or on a deferred basis, in
         each case in accordance with rules and procedures established by the
         Committee in its discretion. Such rules and procedures may include,
         without limitation, provisions for the payment or crediting of interest
         on installment or deferred payments.

                  (v) Limits on Transfer of Options. Except as otherwise
         provided by the Board of Directors of the Company or the Committee,
         Awards granted under the Plan shall not be transferable other than as
         designated by the Participating Key Employee 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 an Award, any
         permitted transferee shall have all of the rights of the Participating
         Key Employee under the Plan, as if the Participating Key Employee had
         retained such Award.

                  (vi) Term of Awards. Except as otherwise provided in the Plan,
         the term of each Award shall be for such period as may be determined by
         the Committee.

                  (vii) Rule 16b-3 Six-Month Limitations. To the extent required
         in order to comply with Rule 16b-3 only, any equity security offered
         pursuant to the Plan may not be sold for at least six months after
         acquisition, except in the case of death or disability, and any
         derivative security issued pursuant to the Plan shall not be
         exercisable for at least six months, except in case of death or
         disability of the holder thereof. Terms used in the preceding sentence
         shall, for the purposes of such sentence only, have the meanings, if
         any, assigned or attributed to them under Rule 16b-3.

                  (viii) Share Certificates; Representation. In addition to the
         restrictions imposed pursuant to Section 6(c) and Section 6(d) hereof,
         all certificates for Shares delivered under the Plan pursuant to any
         Award or the exercise thereof shall be subject to such stop transfer
         orders and other restrictions as the Committee may deem advisable under
         the Plan or the rules, regulations and other requirements of the
         Commission, Nasdaq Stock Market or any stock exchange or other market
         upon which such Shares are then listed or traded, and any applicable
         federal or state securities laws, and the Committee may cause a legend
         or legends to be put on any such certificates to make appropriate
         reference to such restrictions. The Committee may require each
         Participating Key Employee, or other

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         Person who acquires Shares under the Plan by means of an Award
         originally made to a Participating Key Employee to represent to the
         Company in writing that such Participating Key Employee, or other
         Person is acquiring the Shares without a view to the distribution
         thereof.

       7.     Amendment and Termination of the Plan; Correction of Defects and
              Omissions

         (a) 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 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
Participating Key Employees with respect to Awards previously granted to them,
and all unexpired Awards 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.

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

       8.     General Provisions

         (a) No Rights to Awards. No Key Employee, Participating Key Employee or
other Person shall have any claim to be granted any Award under the Plan, and
there is no obligation for uniformity of treatment of Key Employees,
Participating Key Employees or holders or beneficiaries of Awards under the
Plan. The terms and conditions of Awards need not be the same with respect to
each Participating Key Employee.

         (b) Withholding. No later than the date as of which an amount first
becomes includible in the gross income of a Participating Key Employee for
federal income tax purposes with respect to any Award under the Plan, the
Participating Key Employee shall pay to the Company, or make arrangements
satisfactory to the Company regarding the payment of, any federal, state, local
or foreign taxes of any kind required by law to be withheld with respect to such
amount. Unless otherwise determined by the Committee, withholding obligations
arising with respect to Awards to Participating Key Employees under the Plan may
be settled with Shares previously owned by the Participating Key Employee;
provided, however, that the Participating Key Employee may not settle such
obligations with Shares that are part of, or are received upon exercise of, the
Award that gives rise to the withholding requirement. The obligations of the
Company under the Plan shall be conditional on such payment or arrangements, and
the Company and any Affiliate shall, to the extent permitted by law, have the
right to deduct any such taxes from any payment otherwise due to the
Participating Key Employee. The Committee may establish such procedures as it
deems appropriate for the settling of withholding obligations with Shares,
including, without limitation, the establishment of such procedures as may be
necessary to satisfy the requirements of Rule 16b-3.

         (c) No Limit on Other Compensation Arrangements. Nothing contained in
the Plan shall prevent the Company or any Affiliate from adopting or continuing
in effect other or additional compensation arrangements, and such arrangements
may be either generally applicable or applicable only in specific cases.

         (d) Rights and Status of Recipients of Awards. The grant of an Award
shall not be construed as giving a Participating Key Employee the right to be
retained in the employ of the Company or any Affiliate. Further, the Company or
any Affiliate may at any time dismiss a Participating Key Employee from
employment, free from any liability, or any claim under the Plan, unless
otherwise expressly provided in the Plan or in any Award Agreement. Except for
rights accorded under the Plan and under any applicable Award

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Agreement, Participating Key Employees shall have no rights as holders of Shares
as a result of the granting of Awards hereunder.

         (e) Unfunded Status of the Plan. Unless otherwise determined by the
Committee, the Plan shall be unfunded and shall not create (or be construed to
create) a trust or a separate fund or funds. The Plan shall not establish any
fiduciary relationship between the Company or the Committee and any
Participating Key Employee or other Person. To the extent any Person holds any
right by virtue of a grant under the Plan, such right (unless otherwise
determined by the Committee) shall be no greater than the right of an unsecured
general creditor of the Company.

         (f) Governing Law. The validity, construction and effect of the Plan
and any rules and regulations relating to the Plan shall be determined in
accordance with the internal laws of the State of Wisconsin and applicable
federal law.

         (g) Severability. If any provision of the Plan or any Award Agreement
or any Award is or becomes or is deemed to be invalid, illegal or unenforceable
in any jurisdiction, or as to any Person or Award, or would disqualify the Plan,
any Award Agreement or any Award under any law deemed applicable by the
Committee, such provision shall be construed or deemed amended to conform to
applicable laws, or if it cannot be so construed or deemed amended without, in
the determination of the Committee, materially altering the intent of the Plan,
any Award Agreement or the Award, such provision shall be stricken as to such
jurisdiction, Person or Award, and the remainder of the Plan, any such Award
Agreement and any such Award shall remain in full force and effect.

         (h) No Fractional Shares. No fractional Shares or other securities
shall be issued or delivered pursuant to the Plan, any Award Agreement or any
Award, and the Committee shall determine (except as otherwise provided in the
Plan) whether cash, other securities or other property shall be paid or
transferred in lieu of any fractional Shares or other securities, or whether
such fractional Shares or other securities or any rights thereto shall be
canceled, terminated or otherwise eliminated.

         (i) Headings. Headings are given to the Sections and subsections of the
Plan solely as a convenience to facilitate reference. Such headings shall not be
deemed in any way material or relevant to the construction or interpretation of
the Plan or any provision thereof.

       9.     Effective Date of the Plan

         The Plan shall be effective as of January 30, 1995 subject to
shareholder approval of the Plan within 12 months following the date of adoption
of the Plan by the Board of Directors, and all Awards granted under the Plan
prior to the date of shareholder approval shall be subject to such approval and
the effective date of such Award grants shall be deemed to be the date of such
shareholder approval.

       10.    Term of the Plan

         No Award shall be granted under the Plan following the tenth
anniversary of its effective date. However, unless otherwise expressly provided
in the Plan or in an applicable Award Agreement, any Award theretofore granted
may extend beyond such date and, to the extent set forth in the Plan, the
authority of the Committee to amend, alter, adjust, suspend, discontinue or
terminate any such Award, or to waive any conditions or restrictions with
respect to any such Award, and the authority of the Board of Directors of the
Company to amend the Plan, shall extend beyond such date.

                                       8EXHIBIT 10.16

                                                       ------------------------
                                                          As Amended Through
                                                           February 12, 2001
                                                       ------------------------

                           SCHULTZ SAV-O STORES, INC.
                          OFFICER ANNUAL INCENTIVE PLAN

1.       Purpose

         The purpose of the Schultz Sav-O Stores, Inc. Officer Annual Incentive
         Plan ("Plan") is to (a) reward Participants on an individual and team
         basis for the achievement of corporate financial goals and objectives
         which increase the economic value of the Company for the benefit of all
         shareholders; (b) provide competitive levels of compensation to its
         executive officers to enable the Company to attract and retain highly
         qualified and talented individuals who are able to exert a significant
         impact on the economic value of the Company for the benefit of all
         shareholders; (c) encourage teamwork and cooperation in the achievement
         of corporate financial goals and objectives; and (d) recognize
         differences in the performance of individual Participants.

2.       Plan Administration

         The Compensation Committee of the Board of Directors (the "Committee")
         shall have full power, authority and responsibility for the design,
         construction, administration and interpretation of the Plan. The
         Committee may from time to time or at any time make such decisions and
         adopt such rules and regulations for the design, construction,
         administration and interpretation of the Plan as it deems appropriate.
         Any such decision made by the Committee shall be final, conclusive and
         binding upon all Participants and any person claiming under or through
         them. A majority of the members of the Committee shall constitute a
         quorum. All determinations of the Committee shall be made by at least a
         majority of a quorum. Any decision or determination reduced to writing
         and signed by all of the members of the Committee shall be fully as
         effective as if it had been made by a unanimous vote at a meeting of
         the Committee duly called and held.

3.       Definitions

         3.1.     "Base Salary" means the dollar amount of a Participant's
                  annual base salary actually earned during the Plan Year,
                  without adjustment for bonuses (hereunder or otherwise),
                  salary deferrals, value of benefits, stock option or other
                  equity-based incentive award grants or exercises, imputed
                  income, special payments, amounts contributed to or earned
                  under the Company's Retirement Savings Plan or its Executive
                  Benefits Restoration Plan or similar existing or future plans.

         3.2.     "Base Salary Percentage" means the percentage arrived at by
                  dividing a Participant's Base Salary for a specified Plan Year
                  by the aggregate Base Salaries of all Participants for the
                  same Plan Year.

         3.3.     "Bonus Amount" means a Participant's annual aggregate bonus
                  amount which is calculated in the manner set forth in Section
                  5.1.

         3.4.     "Bonus Pool" means the dollar amount of the cash award pool
                  established for the specified Plan Year for the distribution
                  of Bonus Awards to Participants for such Plan Year, calculated
                  as follows:

                  Bonus Pool = (i) 10% of the dollar amount of the Current Year
                  EVA plus (ii) 5% of the dollar amount of the Incremental EVA
                  plus (iii) $25,000 for each percentage point increase, if any,
                  in net sales of the Company for the specified Plan Year over
                  net sales of the Company in the

<PAGE>

                  preceding Plan Year excluding increases in net sales due to
                  the acquisition of other supermarkets or businesses (each as
                  reflected in the Company's audited financial statements for
                  such Plan Years, subject to adjustment as determined by the
                  Board to take into account extraordinary, unusual or
                  nonrecurring events or circumstances).

         3.5.     "Company Performance Bonus Pool" shall be equal to twenty-five
                  percent (25%) of the Bonus Pool for the specified Plan Year.

         3.6.     "Current Year EVA" means the EVA as calculated for the
                  specified Plan Year.

         3.7.     "Discretionary Bonus" means, with respect to each Participant,
                  an amount determined by the Committee based upon the Company's
                  and/or the Participant's performance during the Plan Year. The
                  Committee, in its sole discretion, shall determine the factors
                  used to establish the Discretionary Bonus at the end of each
                  Plan Year. Such factors will generally include (i)
                  appreciation in price of the Company's common stock, (ii)
                  increases in net sales due to multi-store acquisitions, (iii)
                  the occurrence of extraordinary events that affect the Bonus
                  Pool that would otherwise be available for the Plan Year, (iv)
                  any expansion or increase in the Participant's then current
                  duties and responsibilities, (v) any increases in the cost of
                  living, (vi) the past performance by the Participant, and (vi)
                  any other pertinent factors identified by the other factors
                  that the Committee determines to be relevant to the financial
                  performance and growth of the Company.

         3.8.     "Economic Value Added" or "EVA" means the NOPAT that remains
                  after subtracting the product of the Threshold Rate of Return
                  multiplied by the Investment Amount, expressed as follows:

                  EVA = NOPAT - [Threshold Rate of Return x Investment Amount]

                  EVA may be positive or negative.

         3.9.     "Incremental EVA" means the Current Year EVA minus the EVA for
                  the prior Plan Year. For purposes of calculating Incremental
                  EVA for the 1995 Plan Year, the EVA for 1994 was $1,128,000.
                  Incremental EVA may not be negative.

         3.10.    "Individual Performance Bonus" shall have the meaning set
                  forth in Section 5.1.

         3.11.    "Individual Performance Bonus Pool" shall be equal to
                  seventy-five percent (75%) of the Bonus Pool for the specified
                  Plan Year.

         3.12.    "Individual Performance Factor" shall have the meaning set
                  forth in Section 5.2.

         3.13.    "Investment Amount" means the dollar amount of the Company's
                  average investment for the Plan Year, calculated by adding the
                  investment reflected on the Company's financial statements as
                  of the end of each fiscal quarter, and then dividing by four,
                  where investment is determined as follows:

                  Investment = indebtedness for borrowed money + shareholders'
                  investment + obligations under capital leases

         3.14.    "NOPAT" means the Company's net earnings after tax (without
                  reduction for any Bonus Amounts or Bonus Pool accrued, paid or
                  payable under the Plan), plus interest expense after tax for
                  the Plan Year, all as reflected in the Company's audited
                  financial statements for the Plan Year.

                                       2
<PAGE>

         3.15.    "Participant" means an eligible executive officer of the
                  Company under Section 4.1 who has been selected to participate
                  in the Plan for the Plan Year pursuant to Section 4.2.

         3.16.    "Plan Year" means the one-year period coincident with the
                  Company's applicable fiscal year.

         3.17.    "Threshold Rate of Return" shall be the target percentage rate
                  of return on the Investment Amount for the specified Plan Year
                  established by the Committee at the beginning of each Plan
                  Year based on the Company's weighted average cost of capital.
                  For the 1995 Plan Year, the Threshold Rate of Return has been
                  established by the Committee as 9.1%.

4.       Eligibility

         4.1.     Eligible Executive Officers. In general, all executive
                  officers who are also employees of the Company (which
                  generally shall include those Company officers listed as such
                  in the Company's annual report to shareholders) at the
                  beginning of a Plan Year will be eligible for participation in
                  the Plan. However, nomination of an executive officer by the
                  Chief Executive Officer and approval by the Committee will be
                  required for actual participation.

         4.2.     Nomination and Approval. Each Plan Year, the Company's Chief
                  Executive Officer will nominate eligible executive officers to
                  participate in the Plan for the specified Plan Year. The
                  Committee will have the final authority to select the
                  Participants for such Plan Year from among the eligible
                  executive officers nominated by the Company's Chief Executive
                  Officer. Selection normally will take place, and will be
                  communicated to each Participant, prior to or shortly after
                  the beginning of the specified Plan Year.

5.       Bonus Amounts; Individual Performance Factors; Discretionary Bonus

         5.1.     Calculation of Bonus Amounts. Each Participant's Bonus Amount
                  for a specified Plan Year will be equal to his or her pro-rata
                  portion of the Company Performance Bonus Pool plus his or her
                  Individual Performance Bonus plus his or her Discretionary
                  Bonus. For any specified Plan Year, a Participant's pro-rata
                  portion of the Company Performance Bonus Pool shall be equal
                  to the product of the Participant's Base Salary Percentage
                  multiplied by the Company Performance Bonus Pool. The
                  Participant's Individual Performance Bonus shall be equal to
                  the product of the Participant's Base Salary Percentage
                  multiplied by the Individual Performance Bonus Pool multiplied
                  by his or her Individual Performance Factor; provided,
                  however, that the aggregate Individual Performance Bonuses for
                  all Participants for a specified Plan Year may not exceed the
                  Individual Performance Bonus Pool for such Plan Year. If the
                  aggregate Individual Performance Bonuses for all Participants
                  for a specified Plan Year would exceed the Individual
                  Performance Bonus Pool for such Plan Year, then the Committee
                  in its discretion shall adjust the Participants' Individual
                  Performance Bonuses so that such aggregate Individual
                  Performance Bonuses will not exceed the Individual Performance
                  Bonus Pool for such Plan Year.

         5.2.     Individual Performance Factor Calculation. Each Participant's
                  Individual Performance Factor for a Plan Year will be based on
                  the Participant's accomplishment of individual and/or group
                  financial and/or other goals or objectives established by the
                  Company's Chief Executive Officer, with the approval and
                  ratification of the Committee (or as determined solely by the
                  Committee in the case of the Company's Chief Executive
                  Officer), as of the beginning of the specified Plan Year.
                  Whenever possible, individual performance will be evaluated
                  according to quantifiable or objective benchmarks of success
                  and the level of the Participant's relative achievement of
                  such quantifiable benchmarks. An achievement percentage
                  continuum that ranges from achieving 0% to 150% of the
                  quantifiable benchmark opportunity will be established and the
                  Participant's relative level of achievement of such
                  quantifiable benchmarks will be enumerated accordingly from 0
                  to 1.5 based on such continuum. After the end of a Plan Year,
                  the Company's Chief Executive Officer, with the approval and
                  ratification of the Committee (or solely by the

                                       3
<PAGE>

                  Committee in the case of the Company's Chief Executive
                  Officer), will evaluate and rate the Participant's performance
                  over the Plan Year and the relative contribution of the
                  Participant to the achievement of the previously established
                  individual or group financial or other performance goals and
                  objectives, and this evaluation will result in the
                  Participant's Individual Performance Factor being determined
                  according to the following schedule:

                             Performance                    Individual
                          Individual Rating              Performance Factor
                             Very Good                         1.5
                                Good                           1.0
                            Satisfactory                       0.5
                               Marginal                        0.0

6.       Change in Status During the Plan Year

         6.1.     New Hire or Promotion. An executive officer who is newly hired
                  or promoted during a specified Plan Year to an executive
                  officer position which, if held by the Participant at the
                  beginning of the Plan Year, would have otherwise allowed the
                  Participant to be eligible for participation in the Plan will
                  generally not be eligible to receive a Bonus Amount for such
                  Plan Year; provided, however, that the Company's Chief
                  Executive Officer, with the approval and ratification of the
                  Committee (or solely by the Committee in the case of the
                  Company's Chief Executive Officer) may waive this policy and
                  allow such executive officer to receive a pro rata Bonus
                  Amount for such Plan Year based on the percentage of the Plan
                  Year the executive officer was employed in such eligible
                  executive officer position (determined based on the actual
                  number of full months of employment in such executive officer
                  position during the Plan Year divided by 12). Any such waiver
                  of this policy will take into account such factors as the
                  executive officer's contributions to the Company's achievement
                  of corporate financial goals and objectives in such executive
                  officer position and the portion of the Plan Year the
                  individual actually spent in such executive officer position.

         6.2.     Death, Disability or Retirement. If a Participant's employment
                  as an executive officer is terminated during a Plan Year by
                  reason of death, disability or normal or early retirement, the
                  Participant (or his or her heirs or personal representatives
                  in the case of death) will receive a pro rata Bonus Amount for
                  such Plan Year based on the percentage of the Plan Year the
                  Participant was employed in such position (determined based on
                  the actual number of full months of employment of such
                  Participant during the Plan Year divided by 12); provided,
                  however, that the Company's Chief Executive Officer, with the
                  approval and ratification of the Committee (or solely by the
                  Committee in the case of the Company's Chief Executive
                  Officer) may waive this policy and allow such executive
                  officer to receive the Bonus Amount for the Plan Year that the
                  executive officer would have been entitled to if he or she had
                  been an executive officer for the entire Plan Year. Any such
                  waiver of this policy will take into account such factors as
                  the executive officer's contributions to the Company's
                  achievement of corporate financial goals and objectives in
                  such executive officer position and the portion of the Plan
                  Year the individual actually spent in such executive officer
                  position.

         6.3.     Termination for any Other Reason. If a Participant's
                  employment is terminated during a Plan Year for any reason
                  other than death, disability or retirement, such Participant
                  will generally not be eligible to receive a Bonus Amount for
                  such Plan Year; provided, however, that the Company's Chief
                  Executive Officer, with the approval and ratification of the
                  Committee (or solely the Committee in the case of the
                  Company's Chief Executive Officer) may waive this policy and
                  allow such Participant to receive a pro-rata Bonus Amount for
                  such Plan Year based on the percentage of the Plan Year the
                  executive officer was employed in such eligible executive
                  officer position (determined based on the actual number of
                  full months of employment in such executive officer position
                  during the Plan Year divided by 12).

                                       4
<PAGE>

7.       Administrative Provisions

         7.1.     Amendments and Terminations. The Company's Board of Directors
                  shall have the right to modify or amend this Plan in whole or
                  in part from time to time or at any time, or suspend it or
                  terminate it entirely; provided, however, that no such
                  modification, amendment, suspension or termination may,
                  without the consent of any affected Participants (or
                  beneficiaries of such Participants in the event of death),
                  reduce the rights of any such Participants (or beneficiaries,
                  as applicable) to a payment or distribution of a Bonus Amount
                  already determined and earned under Plan terms in effect prior
                  to such change. A Participant shall not be deemed to have
                  earned or have any right to any Bonus Amount for a Plan Year
                  until completion of that Plan Year and the determination of
                  Bonus Amounts for such Plan Year by the Company's Chief
                  Executive Officer and/or the Committee.

         7.2.     Effect of Award on Other Employee Benefits. By acceptance of a
                  Bonus Amount, each Participant agrees that such Bonus Amount
                  is special additional compensation and that it will not affect
                  adversely any other employee benefit (e.g., Retirement Savings
                  Plan, Executive Benefits Restoration Plan, life insurance,
                  etc.), in which the Participant participates or to which he is
                  entitled, except as provided in Section 7.4 below. The
                  existence of the Plan or the grant of any Bonus Amounts
                  hereunder shall not restrict the ability of the Committee or
                  the Board to grant any other discretionary bonuses to any
                  executive officers, employees or others outside of the Plan.

         7.3.     Retirement Programs; Severance Agreements. Bonus Amounts paid
                  under this Plan shall be included in the Participant's
                  compensation for purposes of the Company's Retirement Savings
                  Plan, Executive Benefits Restoration Plan, any other qualified
                  employee benefit plan and any applicable key executive
                  employment and severance agreement with the Company.

         7.4.     No Right to Continued Employment or Additional Bonus Amounts.
                  A Participant's eligibility for or actual receipt of a Bonus
                  Amount in any specified Plan Year shall not give the
                  Participant any right to continued employment with the
                  Company, and the right and power to dismiss or terminate the
                  employment of the Participant for any reason whatsoever (other
                  than as otherwise specified in any applicable contract of
                  employment between the Participant and the Company) is
                  specifically reserved to the Company. In addition, the
                  selection of an eligible executive officer as a Participant in
                  the Plan for any Plan Year shall not require or infer the
                  inclusion or selection of such person as a Participant for any
                  subsequent Plan Year or, if such person is subsequently so
                  included or selected, shall not require that the same Bonus
                  Amount provided to the Participant under the Plan for an
                  earlier Plan Year be provided to such Participant for the
                  subsequent Plan Year.

7.5.              Adjustments to Performance Goals. When a performance goal or
                  objective is based on Economic Value Added or other
                  quantifiable financial or accounting measures, it may be
                  appropriate to exclude certain items in order to properly
                  measure performance. The Committee in its discretion will
                  decide those items that shall be considered in adjusting
                  actual results. For example, some types of items that may be
                  considered for exclusion are:

                  a.       Extraordinary Items. Any gains or losses which will
                           be treated as extraordinary in the Company's
                           financial statements under generally accepted
                           accounting principles.

                  b.       Unanticipated Nonrecurring Non-Ordinary Course Items.
                           Unanticipated, nonrecurring, nonordinary course items
                           such as:

                           (i)      Gains or losses from the sale or disposal of
                                    real estate or property.

                                       5
<PAGE>

                           (ii)     Gains resulting from insurance recoveries
                                    when such gains relate to claims filed in
                                    prior years.

                           (iii)    Losses resulting from natural catastrophes,
                                    when the cause of the catastrophe is beyond
                                    the control of the Company and did not
                                    result from any failure or negligence on the
                                    Company's part.

                           (iv)     Changes in accounting policies or practices.

         7.6.     Payment of Bonus Amounts. The Bonus Amounts payable for a Plan
                  Year as determined by the Chief Executive Officer and/or
                  Committee shall be distributed by the Company as soon as
                  practicable after the date of the first public release of the
                  Company's complete audited financial statements for such Plan
                  Year.

8.       Miscellaneous

         8.1.     Indemnification. Each person who is or who shall have been a
                  member of the Committee or of the Company's Board of
                  Directors, shall not be liable for, and shall be indemnified
                  and held harmless by the Company against and from, any and all
                  loss, cost, liability or expense (including attorneys' fees
                  and disbursements) that may be imposed upon or incurred by him
                  or her in connection with any claim, action, suit or
                  proceeding to which he or she may be a party by reason of any
                  action taken or failure to act under or pursuant to the Plan.
                  The foregoing right of indemnification shall not be exclusive
                  of any other rights of indemnification, advancement of
                  expenses or reimbursement to which such persons may be
                  entitled under the Company's Articles of Incorporation,
                  By-Laws, Indemnity Agreements, as a matter of law under the
                  Wisconsin Business Corporation Law, under applicable insurance
                  policies or otherwise, or any other power or authority that
                  the Company may have to indemnify or reimburse them or hold
                  them harmless.

         8.2.     Expenses of the Plan. The expenses of administering this Plan
                  shall be borne by the Company.

         8.3.     Withholding Taxes. The Company shall deduct from all Bonus
                  Amounts paid or payable under the Plan any federal or state
                  taxes required by law to be withheld with respect to such
                  payments.

         8.4.     Non-Transferable Benefits. Bonus Amounts (or any interests
                  therein) paid or payable under the Plan are personal to
                  Participants and are non-transferable and non-assignable
                  during the life of a Participant.

         8.5.     Unsecured Rights. The right of any Participant to receive a
                  Bonus Amount under the Plan when determined and earned shall
                  be an unsecured claim against the general assets of the
                  Company and the Participant shall have no rights in or against
                  any specific assets of the Company as a result of
                  participation hereunder.

         8.6.     Powers of Company Not Affected. The existence of the Plan
                  shall not affect in any way the right or power of the Company,
                  the Board of Directors or its shareholders to make or
                  authorize any or all adjustments, recapitalization,
                  reorganizations or other changes in the Company's capital
                  structure or its business, or any merger or consolidation of
                  the Company, or dissolution or liquidation of the Company, or
                  any sale or transfer of all or any part of its assets or
                  business or any other corporate act or proceeding, whether of
                  a similar character or otherwise.

         8.7.     Governing Law. This Plan shall be construed in accordance with
                  and governed by the laws of the State of Wisconsin.

         8.8.     Effective Date. The effective date of the Plan is January 1,
                  1995.

                                       6

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