Document:

EXHIBIT 10.26

CONFIDENTIAL

November 17, 1999

Mr. K. Jeffrey Dahlberg
Chief Executive Officer
Grow Biz International, Inc.
4200 Dahlberg Drive
Minneapolis, MN 55422-4837

Dear Mr. Dahlberg:

         The purpose of this letter is to confirm the engagement of Sheldon
Fleck ("Advisor") to act as a non-exclusive financial advisor during the term of
this Agreement to Grow Biz International, Inc. (the "Company") in connection
with a potential Strategic Transaction involving the Company. For purposes
hereof, a "Strategic Transaction" shall mean whether in one or a series of
transactions, directly or indirectly, (i) the sale or other transfer of 5% or
more of the common stock of the Company owned beneficially or of record by K.
Jeffrey Dahlberg or Ronald Olson in connection with a change in the management
positions of Dahlberg or Olson which transaction is determined by the Board of
Directors to be in the best interests of the Company, or (ii) the sale or other
transfer of all or a significant portion of the assets or business of the
Company or any significant concept of the Company in connection with a change in
the management positions of Dahlberg or Olson which transaction is determined by
the Board of Directors to be in the best interests of the Company. The term
Strategic Transaction shall not include a sale or other transfer of all or a
significant portion of the assets or business of the Company's concepts,
provided that such sale or other transfer is not part of a larger transaction
which taken as a whole meets the definition of "Strategic Transaction" set forth
above.

1.       In connection with his engagement hereunder, Advisor will advise and
         assist the Company in the areas of strategic planning, corporate
         reorganization, management restructuring and business development.
         Advisor will also provide such other financial advisory services as may
         be mutually agreed upon by the Company and Advisor.

2.       As compensation for Advisor's services hereunder, the Company shall
         issue to Advisor a warrant for the purchase of 200,000 shares of the
         Company's common stock (the "Warrant") upon closing and consummation of
         a Strategic Transaction which meets both of the following conditions:

         (a)      The Strategic Transaction involves a party with whom the
                  Advisor or the Company or their respective representatives had
                  discussions or negotiations during the term of this Agreement.

         (b)      A letter of intent or definitive agreement with respect to the
                  Strategic Transaction is entered into during the term of this
                  Agreement or during the six months thereafter.

<PAGE>

Mr. K. Jeffrey Dahlberg, CEO
Grow Biz International, Inc.
November 17, 1999
Page 2

         The Warrant shall be exercisable at a price of $6.00 per share for a
         term of eight years and include a cashless exercise provision as well
         as permitting exercise by surrender of Company common stock by the
         holder. In addition, the Warrant shall include registration rights (one
         demand right, unlimited piggy back rights and other customary
         provisions) and typical anti-dilution protection in the event of
         splits, combinations and recapitalizations.

         Notwithstanding the foregoing, in the event Advisor has taken
         reasonable efforts to consummate a Strategic Transaction, but the
         Strategic Transaction causing the issuance of the Warrant is closed and
         consummated on or before February 29, 2000 with a person or entity who
         without any prior contact or discussion with Advisor was introduced to
         the Company by an investment banking firm or other advisor to which the
         Company is obligated to pay a fee as a result of such Strategic
         Transaction, then the number of shares purchasable by Advisor under the
         Warrant shall be reduced to 100,000 shares of the Company's common
         stock.

3.       In addition to the Warrant that may be issuable to Advisor hereunder
         (and regardless of whether a Strategic Transaction occurs), the Company
         hereby agrees from time to time upon Advisor providing Company with
         receipts and other documentation requested by Company, to reimburse
         Advisor promptly for reasonable travel and other out-of-pocket expenses
         incurred by Advisor in performing its services hereunder, including,
         but not limited to, all attorney's fees incurred in connection with
         this letter and the services provided hereunder. Company's obligation
         for reimbursement of Advisor's expenses shall not exceed $25,000 in the
         aggregate, unless approved by the Company.

4.       The term of Advisor's engagement as financial advisor to the Company
         shall commence on the date hereof and continue until the earlier of the
         consummation of a Strategic Transaction or February 29, 2000, unless
         extended by mutual, written consent of the parties hereto. Termination
         of the engagement shall not affect the indemnification, contribution
         and confidentiality obligations of the Company and Advisor, the right
         of Advisor to receive the Warrant or the right of Advisor to receive
         reimbursement for its reasonable out-of pocket expenses as described
         above.

5.       The Company agrees to indemnify Advisor and related persons to the
         extent of the indemnification letter attached hereto as Schedule A, the
         provisions of which are incorporated herein in their entirety.

6.       The Company recognizes and confirms that Advisor in acting pursuant to
         this engagement will be using information in reports and other
         information provided or approved in writing by the Company, and that
         Advisor does not assume responsibility for and may rely, without
         independent verification, on the accuracy and completeness of any such
         reports and information. The Company agrees that any information or
         advice rendered by Advisor or his representatives in connection with
         this engagement is for the use of Advisor in rendering his services
         hereunder or confidential use of the Company's Board of Directors only
         in its evaluation of a transaction and, except as otherwise required by
         law, the Company will not, and will not permit any third party to,
         disclose or

<PAGE>

Mr. K. Jeffrey Dahlberg, CEO
Grow Biz International, Inc.
November 17, 1999
Page 3

         otherwise refer to such, advice or information in any manner without
         Advisor's prior written consent.

7.       Advisor agrees to keep confidential all material nonpublic information
         provided to it by the Company ("Information"), except as required by
         law or securities regulators, or to the extent such Information is
         already in public domain, has been obtained by a third party without
         violating any duty of confidentiality to the Company, is independently
         discovered by Advisor. Notwithstanding anything to the contrary herein,
         Advisor may disclose nonpublic Information to its agents, advisors and
         potential parties to a Strategic Transaction whenever Advisor
         determines that such disclosure is necessary to provide the service
         contemplated hereunder but shall inform them and bind them by written
         agreement to Advisor's confidential obligation and to their obligation
         to refrain from trading in the Company's securities while in possession
         of material, nonpublic information about the Company.

8.       This Agreement (a) shall be governed by and construed in accordance
         with the laws of the State of Minnesota, regardless of the laws that
         might otherwise govern under applicable principles of conflicts of law
         thereof, (b) incorporates the entire understanding of the parties with
         respect to the subject matter hereof and supersedes all previous
         agreements should they exist with respect thereto, (c) may not be
         amended or modified except in writing executed by the Company and
         Advisor, and (d) shall be binding upon and inure to the benefit of the
         Company, Advisor, and other Indemnified Parties and their respective
         successors and assigns. The Company acknowledges that Advisor in
         connection with its engagement hereunder is acting as an independent
         contractor with duties owing solely to the Company and that nothing in
         this Agreement is intended to confer upon any other person any rights
         or remedies hereunder or by reason hereof.

         This agreement may be executed in two or more counterparts, each of
which shall be deemed to be an original, but all of which shall constitute one
and the same agreement. Please confirm that the foregoing is in accordance with
your understanding of our agreement by signing and returning to us a copy of
this letter.

Very truly yours,

/s/ Sheldon Fleck
--------------------------------
Sheldon Fleck

<PAGE>

Mr. K. Jeffrey Dahlberg, CEO
Grow Biz International, Inc.
November 17, 1999
Page 4

Accepted and agreed to as of the date set forth above:

GROW BIZ INTERNATIONAL, NC.

By: /s/ K. Jeffrey Dahlberg
    -------------------------------
        K. Jeffrey Dahlberg
Its:    Chief Executive Officer

<PAGE>

                                   SCHEDULE A

                                 INDEMNIFICATION

In the event that Advisor (which term includes Advisor's legal counsel,
Advisor's accountant, Lee Javorski and Advisor's assistant, Marilyn Hall)
becomes involved in any capacity in any action, proceeding or investigation
(pending or threatened) brought by or against any person, including shareholders
of the Company, related to, arising out of or in connection with Advisor's
engagement as provided in this letter, the Company will reimburse Advisor for
his reasonable, out of pocket legal and other expenses (including the cost of
any investigation and preparation) as such expenses are incurred in connection
therewith, except to the extent that Advisor directly or indirectly commences
such action, proceeding or investigation or Advisor's involvement in such
action, proceeding or investigation results from the gross negligence or willful
misconduct of Advisor (as determined by the judgment of a court of competent
jurisdiction no longer subject to appeal or further review). The Company also
will indemnify and hold Advisor harmless against any and all losses, claims,
damages or liabilities to any such person related to, arising out of or in
connection with the engagement of Advisor hereunder, except to the extent that
any such loss, claim, damage or liability results from the gross negligence or
willful misconduct of Advisor (as determined by the judgment of a court of
competent jurisdiction no longer subject to appeal or further review). If for
any reason (other than the gross negligence or willful misconduct of Advisor)
the foregoing indemnification is unavailable to Advisor or insufficient to hold
it harmless, then the Company shall contribute to the amount paid or payable by
Advisor as a result of such loss, claim, damage or liability in such proportion
as is appropriate to reflect the relative economic interests of the Company and
its shareholders on the one hand and Advisor on the other hand in the matters
contemplated by this letter as well as the relative fault of the Company and
Advisor with respect to such loss, claim, damage or liability and any other
relevant equitable considerations; provided that, in no event will the aggregate
contributions of Advisor hereunder exceed the amount of fees (or the value of
the Warrant) actually received by Advisor pursuant to this letter. The
reimbursement, indemnity and contribution obligations of the Company under this
paragraph shall be in addition to any liability which the Company may otherwise
have, and shall be binding upon and inure to the benefit of any successors,
assigns, heirs and personal representatives of the Company and Advisor. The
Company also agrees that Advisor shall not have any liability to the Company or
any third person asserting claims on behalf of or in right of the Company
related to, arising out of or in connection with the engagement of Advisor
hereunder except to the extent that any losses, claims, damages, liabilities or
expenses incurred by the Company are caused by the gross negligence or willful
misconduct of Advisor (as determined by the judgment of a court of competent
jurisdiction no longer subject to appeal or further review). The Company agrees
that it will not, without the prior written consent of Advisor, settle,
compromise, consent to the entry of any judgment in or otherwise seek to
terminate any action, claims, suits or proceeding in respect to which
indemnification may be sought pursuant to this letter agreement unless such
settlement, compromise, consent or termination includes a release of Advisor
from any liabilities arising out of such action, claim, suit or proceeding. The
indemnity and contribution obligations of the Company as set forth herein shall
be in addition to any liability or obligation the Company may otherwise have to
Advisor. Prior to entering into any agreement or arrangement with respect to, or
effecting, any proposed sale, exchange, dividend or other distribution or
liquidation of all or a significant portion of its assets in one or a series of
transactions or any significant recapitalization or reclassification of its
outstanding securities that does not directly or indirectly provide for the
assumption of the obligations of the Company set forth in this Schedule A, the
Company will notify Advisor in writing thereof (if not previously so notified)
and, if requested by Advisor, shall use its best efforts to arrange in
connection therewith alternative means of providing for the obligations of the
Company set forth in this paragraph upon terms and conditions reasonably
satisfactory to Advisor. The provisions of this Schedule A shall survive any
termination or completion of the engagement provided by this letter agreement.EXHIBIT 10.27

                          TRADEMARK SECURITY AGREEMENT

            This Agreement, dated as of October __, 1999, is made by and between
GROW BIZ INTERNATIONAL, INC. and GROW BIZ GAMES, INC., each a Minnesota
corporation whose address and principal place of business is 4200 Dahlberg
Drive, Golden Valley, Minnesota 55422 (each a "Debtor" and collectively the
"Debtors"), on the one hand, and TCF NATIONAL BANK MINNESOTA, a national banking
association whose address and principal place of business is 801 Marquette
Avenue, Minneapolis, Minnesota 55402 (the "Secured Party"), on the other hand.

                                    Recitals

            The Debtors and the Secured Party have entered into an Amended and
Restated Credit Agreement dated as of October 14, 1998, as amended by a letter
agreement amendment dated as of July 29, 1999, and as amended by Second
Amendment to Amended and Restated Credit Agreement (the "Second Amendment"),
dated as of August 31, 1999 (as so amended, and as it may hereafter from time to
time be amended, restated or otherwise modified, the "Credit Agreement") setting
forth the terms on which the Secured Party has made and may hereafter make
certain loans or other financial accommodations to or for the account of the
Debtors.

            Pursuant to the Second Amendment, the Credit Agreement now requires
as a condition to each Advance from and after October 31, 1999, that, among
other things, the Debtors execute and deliver to the Secured Party such
documents as may be necessary in order for the Secured Party to possess first
and prior security interest in the Debtors' trademarks. Accordingly, the Secured
Party has required the execution and delivery of this Agreement by the Debtors.

            ACCORDINGLY, in consideration of the mutual covenants contained in
the Credit Agreement and herein, the parties hereby agree as follows:

1. DEFINITIONS. ALL TERMS DEFINED IN THE RECITALS HERETO OR IN THE CREDIT
AGREEMENT THAT ARE NOT OTHERWISE DEFINED HEREIN SHALL HAVE THE MEANINGS GIVEN TO
THEM THEREIN. IN ADDITION, THE FOLLOWING TERMS HAVE THE MEANINGS SET FORTH
BELOW:

                        "Obligations" means each and every debt, liability and
            obligation of every type and description arising under or in
            connection with any Loan Document (as defined in the Credit
            Agreement) which the Debtors may now or at any time hereafter owe to
            the Secured Party, whether such debt, liability or obligation now
            exists or is hereafter created or incurred and whether it is or may
            be direct or indirect, due or to become due, absolute or contingent,
            primary or secondary, liquidated or unliquidated, independent,
            joint, several or joint and several, and including specifically, but
            not limited to, the Obligations (as defined in the Credit
            Agreement).

                        "Trademarks" means all of each Debtor's right, title and
            interest in and to trademarks, service marks, collective membership
            marks, the respective goodwill associated with each, the
            registrations and applications for each, and licenses thereunder,
            and including without limitation (i) the right to sue for past
            infringement and damages therefor, (ii) licenses thereunder and
            (iii) all proceeds and products of the foregoing, including without
            limitation all payments under insurance or any indemnity or warranty
            payable in respect of the foregoing, all as presently existing or
            hereafter arising or acquired, including, without limitation, the
            marks listed on Exhibit A.

                                      -1-
<PAGE>

2. GRANT OF SECURITY INTEREST. AS COLLATERAL SECURITY FOR THE PROMPT AND
COMPLETE PAYMENT AND PERFORMANCE OF THE OBLIGATIONS, THE DEBTORS HEREBY GRANT TO
THE SECURED PARTY A SECURITY INTEREST IN THE TRADEMARKS.

3. REPRESENTATIONS, WARRANTIES AND AGREEMENTS. THE DEBTORS HEREBY REPRESENT,
WARRANT AND AGREE AS FOLLOWS:

(a) EXISTENCE; AUTHORITY. EACH DEBTOR IS A CORPORATION, HAVING FULL POWER AND
AUTHORITY TO MAKE AND DELIVER THIS AGREEMENT. THE EXECUTION, DELIVERY AND
PERFORMANCE OF THIS AGREEMENT BY THE DEBTORS HAS BEEN DULY AUTHORIZED BY ALL
NECESSARY ACTION OF EACH DEBTOR'S BOARD OF DIRECTORS, AND, IF NECESSARY, ITS
STOCKHOLDERS, AND DOES NOT AND WILL NOT VIOLATE THE PROVISIONS OF, OR CONSTITUTE
A DEFAULT UNDER, ANY PRESENTLY APPLICABLE LAW OR EITHER DEBTOR'S ARTICLES OF
INCORPORATION OR BYLAWS OR ANY AGREEMENT PRESENTLY BINDING ON EITHER DEBTOR.
THIS AGREEMENT HAS BEEN DULY EXECUTED AND DELIVERED BY THE DEBTORS AND
CONSTITUTES EACH DEBTOR'S LAWFUL, BINDING AND LEGALLY ENFORCEABLE OBLIGATION.
THE CORRECT NAMES OF THE DEBTORS ARE GROW BIZ INTERNATIONAL, INC. AND GROW BIZ
GAMES, INC. THE AUTHORIZATION, EXECUTION, DELIVERY AND PERFORMANCE OF THIS
AGREEMENT DO NOT REQUIRE NOTIFICATION TO, REGISTRATION WITH, OR CONSENT OR
APPROVAL BY, ANY FEDERAL, STATE OR LOCAL REGULATORY BODY OR ADMINISTRATIVE
AGENCY.

(b) TRADEMARKS. EXHIBIT A ACCURATELY LISTS ALL TRADEMARKS OWNED OR CONTROLLED BY
THE DEBTORS AS OF THE DATE HEREOF AND ACCURATELY REFLECTS THE EXISTENCE AND
STATUS OF TRADEMARKS AND ALL REGISTRATIONS PERTAINING THERETO AS OF THE DATE
HEREOF. EACH DEBTOR AGREES TO GIVE THE SECURED PARTY PROMPT WRITTEN NOTICE OF
EACH APPLICATION FOR REGISTRATION OF A TRADEMARK (IF ANY) SUCH DEBTOR FILES
DURING THE EFFECTIVENESS OF THIS AGREEMENT.

(c) TITLE. WITH RESPECT TO EACH TRADEMARK LISTED ON EXHIBIT A, ONE OR THE OTHER
OF THE DEBTORS HAS ABSOLUTE TITLE, FREE AND CLEAR OF ALL SECURITY INTERESTS,
LIENS AND ENCUMBRANCES, EXCEPT THE SECURITY INTEREST. EACH DEBTOR (i) WILL HAVE,
AT THE TIME SUCH DEBTOR ACQUIRES ANY RIGHTS IN TRADEMARKS HEREAFTER ARISING,
ABSOLUTE TITLE TO EACH SUCH TRADEMARK FREE AND CLEAR OF ALL SECURITY INTERESTS,
LIENS AND ENCUMBRANCES, EXCEPT THE SECURITY INTEREST, AND (ii) WILL KEEP ALL
TRADEMARKS FREE AND CLEAR OF ALL SECURITY INTERESTS, LIENS AND ENCUMBRANCES
EXCEPT THE SECURITY INTEREST.

(d) NO SALE. THE DEBTORS WILL NOT SELL, ABANDON OR OTHERWISE DISPOSE OF THE
TRADEMARKS, OR ANY INTEREST THEREIN, WITHOUT THE SECURED PARTY'S PRIOR WRITTEN
CONSENT.

(e) DEFENSE. THE DEBTORS WILL AT THEIR OWN EXPENSE, AND USING THEIR BEST
EFFORTS, PROTECT AND DEFEND THE TRADEMARKS AGAINST ALL CLAIMS OR DEMANDS OF ALL
PERSONS OTHER THAN THE SECURED PARTY.

(f) MAINTENANCE. THE DEBTORS WILL AT THEIR OWN EXPENSE MAINTAIN THE TRADEMARKS
TO THE EXTENT REASONABLY ADVISABLE IN THEIR BUSINESS INCLUDING, BUT NOT LIMITED
TO, USING THE TRADEMARKS IN ACTIVE COMMERCE IN THE GOODS TO WHICH

                                      -2-
<PAGE>

THE TRADEMARKS PERTAIN, FILING ALL APPLICATIONS TO REGISTER AND ALL AFFIDAVITS
AND RENEWALS POSSIBLE WITH RESPECT TO ISSUED REGISTRATIONS. EACH DEBTOR
COVENANTS THAT IT WILL NOT ABANDON NOR FAIL TO PAY ANY MAINTENANCE FEE OR
ANNUITY DUE AND PAYABLE ON ANY TRADEMARK, NOR FAIL TO FILE ANY REQUIRED
AFFIDAVIT OR OTHER DOCUMENT IN SUPPORT THEREOF, WITHOUT FIRST PROVIDING THE
SECURED PARTY: (i) SUFFICIENT WRITTEN NOTICE, AS PROVIDED IN THE CREDIT
AGREEMENT, TO ALLOW THE SECURED PARTY TO TIMELY PAY ANY SUCH MAINTENANCE FEES OR
ANNUITY WHICH MAY BECOME DUE ON ANY OF SAID TRADEMARKS, OR TO FILE ANY AFFIDAVIT
OR OTHER DOCUMENT WITH RESPECT THERETO, AND (ii) A SEPARATE WRITTEN POWER OF
ATTORNEY OR OTHER AUTHORIZATION TO PAY SUCH FEES, OR ANNUITIES, OR TO FILE SUCH
AFFIDAVIT OR OTHER DOCUMENTS, SHOULD SUCH BE NECESSARY OR DESIRABLE.

(g) SECURED PARTY'S RIGHT TO TAKE ACTION. IF EITHER DEBTOR FAILS TO PERFORM OR
OBSERVE ANY OF ITS COVENANTS OR AGREEMENTS SET FORTH IN THIS SECTION 3, AND IF
SUCH FAILURE CONTINUES FOR A PERIOD OF TEN (10) CALENDAR DAYS AFTER THE SECURED
PARTY GIVES SUCH DEBTOR WRITTEN NOTICE THEREOF (OR, IN THE CASE OF THE
AGREEMENTS CONTAINED IN SUBSECTION (f), IMMEDIATELY UPON THE OCCURRENCE OF SUCH
FAILURE, WITHOUT NOTICE OR LAPSE OF TIME), OR IF EITHER DEBTOR NOTIFIES THE
SECURED PARTY THAT IT INTENDS TO ABANDON A TRADEMARK, THE SECURED PARTY MAY (BUT
NEED NOT) PERFORM OR OBSERVE SUCH COVENANT OR AGREEMENT ON BEHALF AND IN THE
NAME, PLACE AND STEAD OF SUCH DEBTOR (OR, AT THE SECURED PARTY'S OPTION, IN THE
SECURED PARTY'S OWN NAME) AND MAY (BUT NEED NOT) TAKE ANY AND ALL OTHER ACTIONS
WHICH THE SECURED PARTY MAY REASONABLY DEEM NECESSARY TO CURE OR CORRECT SUCH
FAILURE.

(h) COSTS AND EXPENSES. EXCEPT TO THE EXTENT THAT THE EFFECT OF SUCH PAYMENT
WOULD BE TO RENDER ANY LOAN OR FORBEARANCE OF MONEY USURIOUS OR OTHERWISE
ILLEGAL UNDER ANY APPLICABLE LAW, EITHER DEBTOR SHALL PAY THE SECURED PARTY ON
DEMAND THE AMOUNT OF ALL MONEYS EXPENDED AND ALL COSTS AND EXPENSES (INCLUDING
REASONABLE ATTORNEYS' FEES) INCURRED BY THE SECURED PARTY IN CONNECTION WITH OR
AS A RESULT OF THE SECURED PARTY'S TAKING ACTION UNDER SUBSECTION (g) OR
EXERCISING ITS RIGHTS UNDER SECTION 6 OF THIS AGREEMENT, TOGETHER WITH INTEREST
THEREON FROM THE DATE EXPENDED OR INCURRED BY THE SECURED PARTY AT THE HIGHEST
RATE THEN APPLICABLE TO ANY OF THE OBLIGATIONS.

(i) POWER OF ATTORNEY. TO FACILITATE THE SECURED PARTY'S TAKING ACTION UNDER
SUBSECTION (g) AND EXERCISING ITS RIGHTS UNDER SECTION 6, EACH DEBTOR HEREBY
IRREVOCABLY APPOINTS (WHICH APPOINTMENT IS COUPLED WITH AN INTEREST) THE SECURED
PARTY, OR ITS DELEGATE, AS THE ATTORNEY-IN-FACT OF SUCH DEBTOR WITH THE RIGHT
(BUT NOT THE DUTY) FROM TIME TO TIME TO CREATE, PREPARE, COMPLETE, EXECUTE,
DELIVER, ENDORSE OR FILE, IN THE NAME AND ON BEHALF OF SUCH DEBTOR, ANY AND ALL
INSTRUMENTS, DOCUMENTS, APPLICATIONS, FINANCING STATEMENTS, AND OTHER AGREEMENTS
AND WRITINGS REQUIRED TO BE OBTAINED, EXECUTED, DELIVERED OR ENDORSED BY SUCH
DEBTOR UNDER THIS SECTION 3, OR, NECESSARY FOR THE SECURED PARTY, AFTER AN EVENT
OF DEFAULT, TO ENFORCE OR USE THE TRADEMARKS OR TO GRANT OR ISSUE ANY EXCLUSIVE
OR NON-EXCLUSIVE LICENSE UNDER THE TRADEMARKS TO ANY THIRD PARTY, OR TO SELL,
ASSIGN, TRANSFER, PLEDGE, ENCUMBER OR OTHERWISE TRANSFER TITLE IN OR DISPOSE OF
THE

                                      -3-
<PAGE>

TRADEMARKS TO ANY THIRD PARTY. THE DEBTORS HEREBY RATIFY ALL THAT SUCH ATTORNEY
SHALL LAWFULLY DO OR CAUSE TO BE DONE BY VIRTUE HEREOF. THE POWER OF ATTORNEY
GRANTED HEREIN SHALL TERMINATE UPON THE TERMINATION OF THE CREDIT AGREEMENT AS
PROVIDED THEREIN AND THE PAYMENT AND PERFORMANCE OF ALL OBLIGATIONS (AS DEFINED
THEREIN).

4. DEBTORS' USE OF THE TRADEMARKS. THE DEBTORS SHALL BE PERMITTED TO CONTROL AND
MANAGE THE TRADEMARKS, INCLUDING THE RIGHT TO EXCLUDE OTHERS FROM MAKING, USING
OR SELLING ITEMS COVERED BY THE TRADEMARKS AND ANY LICENSES THEREUNDER, IN THE
SAME MANNER AND WITH THE SAME EFFECT AS IF THIS AGREEMENT HAD NOT BEEN ENTERED
INTO, SO LONG AS NO EVENT OF DEFAULT OCCURS AND REMAINS UNCURED.

5. EVENTS OF DEFAULT. EACH OF THE FOLLOWING OCCURRENCES SHALL CONSTITUTE AN
EVENT OF DEFAULT UNDER THIS AGREEMENT (HEREIN CALLED "EVENT OF DEFAULT"): (a) AN
EVENT OF DEFAULT, AS DEFINED IN THE CREDIT AGREEMENT, SHALL OCCUR; OR (b) EITHER
DEBTOR SHALL FAIL PROMPTLY TO OBSERVE OR PERFORM ANY COVENANT OR AGREEMENT
HEREIN BINDING ON IT; OR (c) ANY OF THE REPRESENTATIONS OR WARRANTIES CONTAINED
IN SECTION 3 SHALL PROVE TO HAVE BEEN INCORRECT IN ANY MATERIAL RESPECT WHEN
MADE.

6. REMEDIES. UPON THE OCCURRENCE OF AN EVENT OF DEFAULT AND AT ANY TIME
THEREAFTER, THE SECURED PARTY MAY, AT ITS OPTION, TAKE ANY OR ALL OF THE
FOLLOWING ACTIONS:

(a) THE SECURED PARTY MAY EXERCISE ANY OR ALL REMEDIES AVAILABLE UNDER THE
CREDIT AGREEMENT.

(b) THE SECURED PARTY MAY SELL, ASSIGN, TRANSFER, PLEDGE, ENCUMBER OR OTHERWISE
DISPOSE OF THE TRADEMARKS.

(c) THE SECURED PARTY MAY ENFORCE THE TRADEMARKS AND ANY LICENSES THEREUNDER,
AND IF SECURED PARTY SHALL COMMENCE ANY SUIT FOR SUCH ENFORCEMENT, EACH DEBTOR
SHALL, AT THE REQUEST OF SECURED PARTY, DO ANY AND ALL LAWFUL ACTS AND EXECUTE
ANY AND ALL PROPER DOCUMENTS REQUIRED BY SECURED PARTY IN AID OF SUCH
ENFORCEMENT.

7. COUNTERPARTS. THIS ASSIGNMENT MAY BE EXECUTED IN TWO OR MORE COUNTERPARTS,
EACH OF WHICH SHALL BE DEEMED AN ORIGINAL BUT ALL OF WHICH TOGETHER SHALL
CONSTITUTE THE SAME INSTRUMENT.

8. MISCELLANEOUS. THIS AGREEMENT HAS BEEN DULY AND VALIDLY AUTHORIZED BY ALL
NECESSARY ACTION, CORPORATE OR OTHERWISE. THIS AGREEMENT CAN BE WAIVED,
MODIFIED, AMENDED, TERMINATED OR DISCHARGED, AND THE SECURITY INTEREST CAN BE
RELEASED, ONLY EXPLICITLY IN A WRITING SIGNED BY THE SECURED PARTY. A WAIVER
SIGNED BY THE SECURED PARTY SHALL BE EFFECTIVE ONLY IN THE SPECIFIC INSTANCE AND
FOR THE SPECIFIC PURPOSE GIVEN. MERE DELAY OR FAILURE TO ACT SHALL NOT PRECLUDE
THE EXERCISE OR ENFORCEMENT OF ANY OF THE SECURED PARTY'S RIGHTS OR REMEDIES.
ALL RIGHTS AND REMEDIES OF THE SECURED PARTY SHALL BE CUMULATIVE AND MAY BE

                                      -4-
<PAGE>

EXERCISED SINGULARLY OR CONCURRENTLY, AT THE SECURED PARTY'S OPTION, AND THE
EXERCISE OR ENFORCEMENT OF ANY ONE SUCH RIGHT OR REMEDY SHALL NEITHER BE A
CONDITION TO NOR BAR THE EXERCISE OR ENFORCEMENT OF ANY OTHER. THE SECURED PARTY
SHALL NOT BE OBLIGATED TO PRESERVE ANY RIGHTS THE DEBTORS MAY HAVE AGAINST PRIOR
PARTIES, TO REALIZE ON THE TRADEMARKS AT ALL OR IN ANY PARTICULAR MANNER OR
ORDER, OR TO APPLY ANY CASH PROCEEDS OF TRADEMARKS IN ANY PARTICULAR ORDER OF
APPLICATION. THIS AGREEMENT SHALL BE BINDING UPON AND INURE TO THE BENEFIT OF
THE DEBTORS AND THE SECURED PARTY AND THEIR RESPECTIVE PARTICIPANTS, SUCCESSORS
AND ASSIGNS AND SHALL TAKE EFFECT WHEN SIGNED BY THE DEBTORS AND DELIVERED TO
THE SECURED PARTY, AND THE DEBTORS WAIVE NOTICE OF THE SECURED PARTY'S
ACCEPTANCE HEREOF. THE SECURED PARTY MAY EXECUTE THIS AGREEMENT IF APPROPRIATE
FOR THE PURPOSE OF FILING, BUT THE FAILURE OF THE SECURED PARTY TO EXECUTE THIS
AGREEMENT SHALL NOT AFFECT OR IMPAIR THE VALIDITY OR EFFECTIVENESS OF THIS
AGREEMENT. A CARBON, PHOTOGRAPHIC OR OTHER REPRODUCTION OF THIS AGREEMENT OR OF
ANY FINANCING STATEMENT SIGNED BY THE DEBTORS SHALL HAVE THE SAME FORCE AND
EFFECT AS THE ORIGINAL FOR ALL PURPOSES OF A FINANCING STATEMENT. THIS AGREEMENT
SHALL BE GOVERNED BY THE INTERNAL LAW OF MINNESOTA WITHOUT REGARD TO CONFLICTS
OF LAW PROVISIONS. IF ANY PROVISION OR APPLICATION OF THIS AGREEMENT IS HELD
UNLAWFUL OR UNENFORCEABLE IN ANY RESPECT, SUCH ILLEGALITY OR UNENFORCEABILITY
SHALL NOT AFFECT OTHER PROVISIONS OR APPLICATIONS WHICH CAN BE GIVEN EFFECT AND
THIS AGREEMENT SHALL BE CONSTRUED AS IF THE UNLAWFUL OR UNENFORCEABLE PROVISION
OR APPLICATION HAD NEVER BEEN CONTAINED HEREIN OR PRESCRIBED HEREBY. ALL
REPRESENTATIONS AND WARRANTIES CONTAINED IN THIS AGREEMENT SHALL SURVIVE THE
EXECUTION, DELIVERY AND PERFORMANCE OF THIS AGREEMENT AND THE CREATION AND
PAYMENT OF THE OBLIGATIONS.

                  [REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]

                                      -5-
<PAGE>

THE PARTIES WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY ACTION OR PROCEEDING BASED
ON OR PERTAINING TO THIS AGREEMENT.

            IN WITNESS WHEREOF, the parties have executed this Trademark
Security Agreement as of the date written above.

                                      GROW BIZ INTERNATIONAL, INC.

                                      By /s/ David J. Osdoba, Jr.
                                         ------------------------
                                         David J. Osdoba, Jr.
                                         Its Vice President of Finance and Chief
                                         Financial Officer

                                      GROW BIZ GAMES, INC.

                                      By /s/ David J. Osdoba, Jr.
                                         ------------------------
                                         David J. Osdoba, Jr.
                                         Its Vice President of Finance and Chief
                                         Financial Officer

                                      TCF NATIONAL BANK MINNESOTA

                                      By
                                        ----------------------------------------
                                         Its
                                            ------------------------------------

                                      By
                                        ----------------------------------------
                                         Its
                                            ------------------------------------

                                      -6-
<PAGE>

STATE OF MINNESOTA   )
                     )
COUNTY OF HENNEPIN   )

         The foregoing instrument was acknowledged before me this __ day of
October, 1999, by David J. Osdoba, the Vice President of Finance and Chief
Financial Officer of Grow Biz International, Inc., a Minnesota corporation, on
behalf of the corporation.

                                       ----------------------------------

                                                        Notary Public

STATE OF MINNESOTA   )
                     )
COUNTY OF HENNEPIN   )

         The foregoing instrument was acknowledged before me this __ day of
October, 1999, by David J. Osdoba, the Vice President of Finance and Chief
Financial Officer of Grow Biz Games, Inc., a Minnesota corporation, on behalf of
the corporation.

                                       ----------------------------------

                                                        Notary Public

STATE OF MINNESOTA   )
                     )
COUNTY OF HENNEPIN   )

         The foregoing instrument was acknowledged before me this __ day of
October, 1999, by _________________________________, a ______________________ of
TCF National Bank Minnesota, a national banking association, on behalf of the
association.

                                       ----------------------------------

                                                        Notary Public

STATE OF MINNESOTA   )
                     )
COUNTY OF HENNEPIN   )

         The foregoing instrument was acknowledged before me this __ day of
October, 1999, by _________________________________, a ______________________ of
TCF National Bank Minnesota, a national banking association, on behalf of the
association.

                                       ----------------------------------

                                                        Notary Public

                                      -7-
<PAGE>

                                    EXHIBIT A
                         UNITED STATES ISSUED TRADEMARKS
                                  REGISTRATIONS

                Mark                    Registration Number    Registration Date
                ----                    -------------------    -----------------
*Computer Renaissance                        1,856,440              09/27/94
*Computer Renaissance and design             1,975,949              05/28/96
*Plato's Closet                              2,211,282              12/15/98
ABC Once Upon A Child A Children's           1,573,973              12/26/89
Resale Shop and design
*Once Upon a Child and design                1,856,930              10/04/94
Kids' Stuff with Previous Experience         1,926,022              10/10/95
Play It Again Kids                           1,956,690              02/13/96
*Play It Again Sports                        1,562,785              10/24/89
*Play It Again Sports and design             1,738,778              12/08/92
Sports Equipment That's Used.                1,874,326              01/17/95
But Not Used Up.
Play Safe. Play Hard. Play It Again.         1,950,617              01/23/96
Play It Again Sports
Pro Custom                                   1,216,009              11/09/82
*Music Go Round                              1,857,397              10/04/94
Music Equipment That's Used But Not          2,164,203              06/09/98
Used Up
*Music Go Round and design                   1,938,398              11/28/95
ReTool logo                                  2,267,043               08/3/99
Design - person                              2,264,554              07/27/99
Design - person                              2,264,553              07/27/99
Value to the Extreme                         2,235,090              03/23/99
Design - jack-in-the-box                     2,101,003              09/30/97
Grow Biz                                     1,953,197              01/30/96
*Computer Renaissance                        1,918,636              09/12/95
*Music Go Round                              1,933,637              11/07/95
Grow Biz                                     1,897,696              06/06/95
*Once Upon A Child                           1,668,930              12/17/91
*Once Upon A Child and design                1,872,459              01/10/95
Grow Biz                                     1,859,937              10/25/94
*Once Upon A Child and design                1,821,841              02/15/94
Sports Traders                               1,811,232              12/14/93
Grow Biz and design                          1,968,686              04/16/96

                                      -1-
<PAGE>

*ReTool                                      2,267,043              08/03/99

                      UNITED STATES TRADEMARK APPLICATIONS

*Plato's Closet and design     Serial No. 75/709,530    Date of filing: 05/19/99
We Keep the Music Moving       Serial No. 75/461,860         Date of filing:
                                                                 04/3/98
*Design - recycle logo         Serial No. 74/662,893         Date of filing:
                                                                 4/19/95
Pro Custom                     Serial No. 74/638,321         Date of filing:
                                                                 2/27/95

                                      -2-
<PAGE>

                           CANADIAN ISSUED TRADEMARKS
                                  REGISTRATIONS

                                Registration Number (or Other
              Mark                  Identification Number)     Registration Date
              ----                  ----------------------     -----------------
*Play It Again Sports                      407,459                  1/29/93
*Music Go Round                            472,787                  3/18/97
*Computer Renaissance                      496,479                  6/19/98
*Computer Renaissance &                    474,198                   4/7/97
  Design
Family Golf Shop                           496,825
Grow Biz                                   473,728
Grow Biz & Design                          503,283
Kids' Stuff With Previous Experience       515,845
*O Logo Design (Chasing Arrows)            890,859
*Once Upon A Child & Design                447,287                   9/8/98
*Once Upon A Child A Children's            406,110
  Resale Shop & Design
*Plato's Closet Brand Name                 1017819
  Teen Wear & Design
Play Safe Play Hard Play It                 463206
  Again Play It Again Sports

                         CANADIAN TRADEMARK APPLICATIONS

*ReTool and Design                                Appl. #882,608      6/26/98
*ReTool                                           Appl. #882,609      6/26/98
PRINCIPAL TRADEMARKS ARE INDICATED BY "*"

                                      -3-

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