December 1, 1999



Mr. E. Erwin Maddrey, II
201 Crescent Avenue
Greenville, SC  29605

Dear Mr. Maddrey,

Wachovia Bank,  N.A. (the "Bank") is pleased to commit to E. Erwin  Maddrey,  II
(the "Borrower") the following credit facility (the  "Commitment").  This letter
supersedes the Bank's commitment letter dated November 23, 1998.

Commitment Type:

               Revolving Line of Credit

Amount:

               $1,250,000.00

Purpose:

               Personal business investments and expenses.


Interest Rate:

               Lesser of the Bank's Prime Rate minus 1/2% or the one month LIBOR
               rate plus 200 basis  points.  The  mechanics of the interest rate
               selection  will be as follows:  On the first business day of each
               month,  the Bank will  take the lower of the two rates  indicated
               above and apply that index to the loan for the full month. If the
               Prime Rate is selected,  the interest rate will fluctuate  during
               the month with  changes in the Prime Rate.  If the LIBOR index is
               chosen, the rate will remain fixed for the month.

               Interest will be calculated on the basis of a 360 day year.

Repayment Terms:

               Interest  payable  monthly.  Principal  is  due  on  demand.  The
               Commitment expires on December 31, 2000.

Collateral:

               The  line is  secured  with  724,987  shares  of  Delta  Woodside
               Industries,  Inc.  common stock. At all times, a minimum 60% loan
               to market value ratio will be maintained between the market value
               of the  collateral  and the amount  outstanding  under the credit
               facility.  If the loan to market value exceeds 60%, the Bank will
               require the Borrower to either pay down the principal  balance to
               a 60%  margin  or  provide  the Bank with  additional  acceptable
               marketable securities to provide a 60% margin.

Financial Reports:

               Financial  statement on the  Borrower  such that the Bank will at
               all times have a financial  statement that is no greater than one
               year old.

Fees:

               None.

Prepayment
Premium:

               There  will be no  prepayment  premium.  Any  prepayment  will be
               applied  first to accrued  interest  and then to the  outstanding
               principal balance.

Other Conditions:

          a.   This  Commitment is subject to the  maintenance  by Borrower of a
               condition satisfactory to the Bank and the execution of documents
               satisfactory to the Bank.




          b.   All costs,  expenses,  and fees incurred to close the  Commitment
               and   perfect   the  Bank's   security   interest   will  be  the
               responsibility of the Borrower.

          c.   In  addition  to any other  defaults  normally  specified  in the
               Bank's documents, to the extent permitted by law, Borrower agrees
               that a default  under this  Commitment  will also cause a default
               under any other loan or  obligation  of the  Borrower to the Bank
               and that a  default  under any other  loan or  obligation  of the
               Borrower to the Bank will cause a default under this Commitment.

          d.   This  Commitment  shall be  governed  by the laws of the state of
               South Carolina.

          e.   This  Commitment  is for the sole and  exclusive  benefit  of the
               borrower and may not be assigned by the Borrower.

          f.   No  condition or other term of this  Commitment  may be waived or
               modified except in writing signed by the Borrower and the Bank.

Mr. Maddrey, we are pleased to provide this line of credit to you. Should you be
in agreement  with the above listed terms and  conditions,  please  certify your
acceptance by signing below and returning one original for our files by December
15,  1999 at which  time our  Commitment  will  expire.  Thank you for  favoring
Wachovia Bank with your Private Banking needs.

Sincerely,



Lee Inabinet
Assistant Vice President

Accepted the 8th day of December, 1999.


/s/ E. Erwin Maddrey, II
-----------------------------
E. Erwin Maddrey, II