American Consumers Inc Watch

from 8-K ~1 page May 20, 2010 1. the Subparagraph Entitled “Indebtedness and Liens” Under the Main Heading “Negative Covenants” on Page 3 of the Business Loan Agreement Is Hereby Modified to Read as Follows

from 8-K 9 pages Business Loan Agreement

from 8-K 2 pages December 14, 2009 · Any Term Loans, Revolving Credit Loans or Other Loans Made, or Agreed to Be Made, by Lender in Favor of Borrower; · Any Agreement or Commitment by Lender to Issue Letters of Credit at the Request of Borrower; and · Any Other Credit Facilities or Financial Accommodations by Lender in Favor of Borrower. by Execution of This Letter Agreement Below, Each of the Parties Hereby Agrees to and Accepts the Foregoing Agreement and Waiver of Lender, as of This 14th Day of December, 2009. Gateway Bank & Trust American Consumers, Inc. By: /S/ Shawn Rogers By: /S/ Paul R. Cook Name: Shawn Rogers Name: Paul R. Cook Title: Sr. Vice President Title: Chief Executive Officer

from 8-K 2 pages April 24, 2009 1. the Subparagraph Entitled “Indebtedness and Liens” Under the Main Heading “Negative Covenants” on Page 3 of the Business Loan Agreement Is Hereby Modified to Read as Follows

from 8-K 6 pages Assignment of Deposit Account Principal Loan Date Maturity Loan No Call / Coll Account Officer Initials $56,000.00 09-02-2008 09-22-2013 452 086 References in the Boxes Above 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

from 8-K 9 pages Commercial Security Agreement Principal Loan Date Maturity Loan No Call / Coll Account Officer Initials $56,000.00 09-02-2008 09-22-2013 452 086 References in the Boxes Above 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

from 8-K 3 pages Promissory Note Principal Loan Date Maturity Loan No Call / Coll Account Officer Initials $56,000.00 09-02-2008 09-22-2013 452 086 References in the Boxes Above 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

from 8-K ~5 pages 1. the Paragraph Entitled “Other Agreements” on Page 2 of the Business Loan Agreement Is Hereby Modified to Read as Follows

from 8-K 5 pages Assignment of Deposit Account Principal Loan Date Maturity Loan No Call /Coll Account Officer Initials $800,000.00 04-25-2008 04-25-2009 R-13166891 422 086 References in the Boxes Above 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

from 8-K 8 pages Commercial Security Agreement Principal Loan Date Maturity Loan No Call/ Coll Account Officer Initials $800,000.00 04-25-2008 04-25-2009 R-13166891 422 086 References in the Boxes Above 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

from 8-K 12 pages Business Loan Agreement Principal Loan Date Maturity Loan No Call/Coll Account Officer Initials $800,000.00 04-25-2008 04-25-2009 R-13166891 422 086 References in the Boxes Above 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

from 10-K 1 page Exhibit (10.22) Demand Note With Variable Interest Rate Between the Company and Matthew A. Richardson <page> Demand Note With Variable Interest Rate April 1, 1999 Fort Oglethorpe, Georgia 1. Loan Agreement. This Loan Agreement Is Made and Entered Into This Date Between American Consumers, Inc., a Georgia Corporation (Herein After Called "Company") and Matthew A. Richardson 2. Promise to Pay. on Demand, We Promise to Pay to the Order of Matthew A. Richardson the Principal Balance of This Note With Interest. the Initial Balance of This Loan Being $51,546.35 With Said Balance Being Adjusted as Payments and/or Additional Loans Are Made by or to the Company. 3. Interest. This Loan Contains a Variable Rate Feature. the Annual Percentage Rate May Change Monthly During the Term of This Transaction When the Company's "Bank Rate" Changes. Monthly Interest Payments Will Be Due and Payable on the 10th of Each Month Beginning May 10, 1999 Until Such Indebtedness Evidenced Hereby Is Paid in Full. if Payment of Interest Is Not Made, at the Discretion of Mr. Richardson, Said Interest Amount Will Be Added to the Principal Balance as of the First of Each Month. 4. Collateral. This Loan Is Unsecured. American Consumers, Inc. Matthew A. Richardson (Borrower) (Lender) /S/ Paul R. Cook /S/ Matthew A. Richardson Paul R. Cook Vice President Michael A. Richardson <page>

from 10-K 1 page Exhibit (10.21) Demand Note With Variable Interest Rate Between the Company and Michael A. and Diana K. Richardson <page> Demand Note With Variable Interest Rate April 1, 1999 Fort Oglethorpe, Georgia 1. Loan Agreement. This Loan Agreement Is Made and Entered Into This Date Between American Consumers, Inc., a Georgia Corporation (Herein After Called "Company") and Michael A. Richardson and Diana K. Richardson. 2. Promise to Pay. on Demand, We Promise to Pay to the Order of Michael A. Richardson and/or Diana K. Richardson the Principal Balance of This Note With Interest. the Initial Balance of This Loan Being $96,778.50 With Said Balance Being Adjusted as Payments and/or Additional Loans Are Made by or to the Company. 3. Interest. This Loan Contains a Variable Rate Feature. the Annual Percentage Rate May Change Monthly During the Term of This Transaction When the Company's "Bank Rate" Changes. Monthly Interest Payments Will Be Due and Payable on the 10th of Each Month Beginning May 10, 1999 Until Such Indebtedness Evidenced Hereby Is Paid in Full. if Payment of Interest Is Not Made, at the Discretion of the Richardson's, Said Interest Amount Will Be Added to the Principal Balance as of the First of Each Month. 4. Collateral. This Loan Is Unsecured. American Consumers, Inc. Michael A. & Diana K. Richardson (Borrower) (Lender) /S/ Paul R. Cook /S/ Michael A. Richardson Paul R. Cook Vice President Michael A. Richardson <page>

from 10-K ~5 pages Material contract

from 10-K ~5 pages Commercial Variable Rate Revolving Note

from 10-Q ~5 pages Commercial Variable Rate Revolving or Draw Note