Document:

<PAGE>

                                                                    EXHIBIT 10.7

                          [LOGO] Western Financial Bank

                                 PROMISSORY NOTE

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------
  Principal      Loan Date     Maturity    Loan No   Call   Collateral   Account   Officer     Initials
<S>              <C>          <C>            <C>      <C>      <C>       <C>        <C>      <C>

$10,000,000.00   12-12-2000   12-31-2001     9002     4a0      3100      0001910    00905    /s/ ILLEGIBLE
----------------------------------------------------------------------------------------------------------
     References in the shaded area are for Lender's use only and do not limit the applicability of this
                                  document to any particular loan or item.
----------------------------------------------------------------------------------------------------------
</TABLE>

Borrower: Fresh Enterprises, Inc.; ET. AL.    Lender: Western Financial Bank
          225 W. Hillcrest Drive, Suite 351           Commercial Banking Group
          Thousand Oaks, CA 91360                     15750 Alton Parkway
                                                      Irvine, CA 92618

================================================================================

<TABLE>
<S>                                <C>                    <C>
Principal Amount: $10,000,000.00   Initial Rate: 9.750%   Date of Note: December 12, 2000
</TABLE>

PROMISE TO PAY. Fresh Enterprises, Inc. and Baja Fresh Westlake Village, Inc.,
dba Baja Fresh Mexican Grill (referred to in this Note individually and
collectively as "Borrower") jointly and severally promise to pay to Western
Financial Bank ("Lender"), or order, in lawful money of the United States of
America, the principal amount of Ten Million & 00/100 Dollars ($10,000,000.00)
or so much as may be outstanding, together with interest on the unpaid
outstanding principal balance of each advance. Interest shall be calculated from
the date of each advance until repayment of each advance.

PAYMENT. Borrower will pay this loan in one payment of all outstanding principal
plus all accrued unpaid interest on December 31, 2001. In addition, Borrower
will pay regular monthly payments of accrued unpaid interest beginning February
1, 2001, and all subsequent interest payments are due on the same day of each
month after that. The annual interest rate for this Note is computed on a
365/360 basis; that is, by applying the ratio of the annual interest rate over a
year of 360 days, multiplied by the outstanding principal balance, multiplied by
the actual number of days the principal balance is outstanding. Borrower will
pay Lender at Lender's address shown above or at such other place as Lender may
designate in writing. Unless otherwise agreed or required by applicable law,
payments will be applied first to accrued unpaid interest, then to principal,
and any remaining amount to any unpaid collection costs and late charges.

VARIABLE INTEREST RATE. The interest rate on this Note is subject to change from
time to time based on changes in an independent index which is the Prime rate as
published in the Wall Street Journal. When a range of rates is published the
higher rate will be used (the "Index"). The Index is not necessarily the lowest
rate charged by Lender on its loans. If the Index becomes unavailable during the
term of this loan, Lender may designate a substitute index after notice to
Borrower. Lender will tell Borrower the current Index rate upon Borrower's
request. Borrower understands that Lender may make loans based on other rates as
well. The interest rate change will not occur more often than each Day. The
index currently is 9.500%. The interest rate to be applied to the unpaid
principal balance of this Note will be at a rate of 0.250 percentage points over
the index, resulting in an initial rate of 9.750%. NOTICE: Under no
circumstances will the interest rate on this Note be more than the maximum rate
allowed by applicable law.

PREPAYMENT; MINIMUM INTEREST CHARGE. Borrower agrees that all loan fees and
other prepaid finance charges are earned fully as of the date of the loan and
will not be subject to refund upon early payment (whether voluntary or as a
result of default), except as otherwise required by law. In any event, even upon
full prepayment of this Note, Borrower understands that Lender is entitled to a
minimum interest charge of $99.99. Other than Borrower's obligation to pay any
minimum interest charge, Borrower may pay without penalty all or a portion of
the amount owed earlier than it is due. Early payments will not, unless agreed
to by Lender in writing, relieve Borrower of Borrower's obligation to continue
to make payments of accrued unpaid interest. Rather, they will reduce the
principal balance due.

LATE CHARGE. If a payment is 10 days or more late, Borrower will be charged
5.000% of the unpaid portion of the regularly scheduled payment or $20.00,
whichever is greater.

DEFAULT. Borrower will be in default (A).

LENDER'S RIGHTS. Upon default, Lender may declare the entire unpaid principal
balance on this Note and all accrued unpaid interest immediately due, without
notice, and then Borrower will pay that amount. Upon Borrower's failure to pay
all amounts declared due pursuant to this section, including failure to pay upon
final maturity, Lender, at its option, may also, if permitted under applicable
law, increase the variable interest rate on this Note to 4.250 percentage points
over the Index. Lender may hire or pay someone else to help collect this Note if
Borrower does not pay. Borrower also will pay Lender that amount. This includes,
subject to any limits under applicable law, Lender's attorneys' fees and
Lender's legal expenses whether or not there is a lawsuit, including attorneys'
fees and legal expenses for bankruptcy proceedings (including efforts to modify
or vacate any automatic stay or injunction), appeals, and any anticipated
post-judgment collection services. Borrower also will pay any court costs, in
addition to all other sums provided by law. This Note has been delivered to
Lender and accepted by Lender in the State of California. If there is a lawsuit,
Borrower agrees upon Lender's request to submit to the jurisdiction of the
courts of Orange County, the State of California. Lender and Borrower hereby
waive the right to any jury trial in any action, proceeding, or counterclaim
brought by either Lender or Borrower against the other. Subject to the
provisions on arbitration, this Note shall be governed by and construed in
accordance with the laws of the State of California.

DISHONORED ITEM FEE. Borrower will pay a fee to Lender of $15.00 if Borrower
makes a payment on Borrower's loan and the check or preauthorized charge with
which Borrower pays is later dishonored.

RIGHT OF SETOFF. Borrower grants to Lender a contractual security interest in,
and hereby assigns, conveys, delivers, pledges, and transfers to Lender all
Borrower's right, title and interest in and to, Borrower's accounts with Lender
(whether checking, savings, or some other account), including without limitation
all accounts held jointly with someone else and all accounts Borrower may open
in the future, excluding however all IRA and Keogh accounts, and all trust
accounts for which the grant of a security interest would be prohibited by law.
Borrower authorizes Lender, to the extent permitted by applicable law, to charge
or setoff all sums owing on this Note against any and all such accounts.

LINE OF CREDIT. This Note evidences a straight line of credit. Once the total
amount of principal has been advanced, Borrower is not entitled to further loan
advances. Advances under this Note may be requested either orally or in writing
by Borrower or as provided in this paragraph. Lender may, but need not, require
that all oral requests be confirmed in writing. All communications,
instructions, or directions by telephone or otherwise to Lender are to be
directed to Lender's office shown above. The following party or parties are
authorized as provided in this paragraph to request advances under the line of
credit until Lender receives from Borrower at Lender's address shown above
written notice of revocation of their authority: Greg Dollarhyde and Donald
Breen. Any one (1) of the authorized parties may request advances under this
line of credit. Borrower agrees to be liable for all sums either: (a) advanced
in accordance with the instructions of an authorized person or (b) credited to
any of Borrower's accounts with Lender. The unpaid principal balance owing on
this Note at any time may be evidenced by endorsements on this Note or by
Lender's internal records, including daily computer print-outs. Lender will have
no obligation to advance funds under this Note if: (a) Borrower or any guarantor
is in default under the terms of this Note or any agreement that Borrower or any
guarantor has with Lender, including any agreement made in connection with the
signing of this Note; (b) Borrower or any guarantor ceases doing business or is
insolvent; (c) any guarantor seeks, claims or otherwise attempts to limit,
modify or revoke such guarantor's guarantee of this Note or any other loan with
Lender; or (d) Borrower has applied funds provided pursuant to this Note for
purposes other than those authorized by Lender.

ARBITRATION. Lender and Borrower agree that all disputes, claims and
controversies between them, whether individual, joint, or class in nature,
arising from this Note or otherwise, including without limitation contract and
tort disputes, shall be arbitrated pursuant to the Rules of the American
Arbitration Association, upon request of either party. No act to take or dispose
of any collateral securing this Note shall constitute a waiver of this
arbitration agreement or be prohibited by this arbitration agreement. This
includes, without limitation, obtaining injunctive relief or a temporary
restraining order; invoking a power of sale under any deed of trust or mortgage;
obtaining a writ of attachment or imposition of a receiver; or exercising any
rights relating to personal property, including taking or disposing of such
property with or without judicial process pursuant to Article 9 of the Uniform
Commercial Code. Any disputes, claims, or controversies concerning the
lawfulness or reasonableness of any act, or exercise of any right,

<PAGE>

12-12-2000                       PROMISSORY NOTE                          Page 2
Loan No 9002                      (Continued)
================================================================================

concerning any collateral securing this Note, including any claim to rescind,
reform, or otherwise modify any agreement relating to the collateral securing
this Note, shall also be arbitrated, provided however that no arbitrator shall
have the right or the power to enjoin or restrain any act of any party. Lender
and Borrower agree that in the event of an action for judicial foreclosure
pursuant to California Code of Civil Procedure Section 726, or any similar
provision in any other state, the commencement of such an action will not
constitute a waiver of the right to arbitrate and the court shall refer to
arbitration as much of such action, including counterclaims, as lawfully may be
referred to arbitration. Judgment upon any award rendered by any arbitrator may
be entered in any court having jurisdiction. Nothing in this Note shall preclude
any party from seeking equitable relief from a court of competent jurisdiction.
The statute of limitations, estoppel, waiver, laches, and similar doctrines
which would otherwise be applicable in an action brought by a party shall be
applicable in any arbitration proceeding, and the commencement of an arbitration
proceeding shall be deemed the commencement of an action for these purposes. The
Federal Arbitration Act shall apply to the construction, interpretation, and
enforcement of this arbitration provision.

5-YEAR EXTENSION. Notwithstanding anything to the contrary, and so long as there
exists no Event of Default, upon maturity of this Note, the existing maturity
date of December 31, 2001, will be extended five (5) years and the then
outstanding principal balance will be repaid by Borrower to Lender in equal
monthly principal payments. In addition, Borrower shall pay Lender monthly
payments of accrued unpaid interest. The interest rate shall be selected by
Borrower from one of the three (3) options more fully referenced on the attached
Exhibit "A", which is incorporated herein by reference.

The Variable Interest Rate, referenced in item (a) on the attached Exhibit "A",
shall change from time to time based on changes to the Prime rate as published
in the Wall Street Journal ("Index"). The interest rate change will not occur
more often than each DAY. The interest rate to be applied to the unpaid
principal balance shall be at a rate of 0.250 percentage points over the Index.

OTHER COVENANT. Borrower acknowledges that no advances on this line of credit
will be permitted prior to January 2, 2001.

RIDERS. All changes contained herein are included on the attached Exhibit "X".

GENERAL PROVISIONS. Lender may delay or forgo enforcing any of its rights or
remedies under this Note without losing them. Each Borrower understands and
agrees that, with or without notice to Borrower, Lender may with respect to any
other Borrower (a) make one or more additional secured or unsecured loans or
otherwise extend additional credit; (b) alter, compromise, renew, extend,
accelerate, or otherwise change one or more times the time for payment or other
terms any indebtedness, including increases and decreases of the rate of
interest on the indebtedness; (c) exchange, enforce, waive, subordinate, fail or
decide not to perfect, and release any security, with or without the
substitution of new collateral; (d) apply such security and direct the order or
manner of sale thereof, including without limitation, any nonjudicial sale
permitted by the terms of the controlling security agreements, as Lender in its
discretion may determine; (e) release, substitute, agree not to sue, or deal
with any one or more of Borrower's sureties, endorsers, or other guarantors on
any terms or in any manner Lender may choose; and (f) determine how, when and
what application of payments and credits shall be made on any other indebtedness
owing by such other borrower. Borrower and any other person who signs,
guarantees or endorses this Note, to the extent allowed by law, waive any
applicable statute of limitations, presentment, demand for payment, protest and
notice of dishonor. Upon any change in the terms of this Note, and unless
otherwise expressly stated in writing, no party who signs this Note, whether as
maker, guarantor, accommodation maker or endorser, shall be released from
liability. All such parties agree that Lender may renew or extend (repeatedly
and for any length of time) this loan, or release any party or guarantor or
collateral; or impair, fail to realize upon or perfect Lender's security
interest in the collateral; and take any other action deemed necessary by Lender
without the consent of or notice to anyone. All such parties also agree that
Lender may modify this loan without the consent of or notice to anyone other
than the party with whom the modification is made. The obligations under this
Note are joint and several.

PRIOR TO SIGNING THIS NOTE, EACH BORROWER READ AND UNDERSTOOD ALL THE PROVISIONS
OF THIS NOTE, INCLUDING THE VARIABLE INTEREST RATE PROVISIONS. EACH BORROWER
AGREES TO THE TERMS OF THE NOTE AND ACKNOWLEDGES RECEIPT OF A COMPLETED COPY OF
THE NOTE.

BORROWER:

Fresh Enterprises, Inc.

By:/s/ Greg Dollarhyde
   -----------------------------------------
   Greg Dollarhyde, President & CEO

By:/s/ Donald Breen
   -----------------------------------------
   Donald Breen, Senior Vice President & CFO

Baja Fresh Westlake Village, Inc. dba Baja Fresh Mexican Grill, Co-Borrower

By:/s/ Greg Dollarhyde
   -----------------------------------------
   Greg Dollarhyde, President & CEO

By:/s/ Donald Breen
   -----------------------------------------
   Donald Breen, Senior Vice President & CFO

================================================================================

<PAGE>

                                  EXHIBIT "A"

This exhibit is made a part of that Promissory Note dated December 12, 2000 in
the amount of $l0,000,000.00 between Fresh Enterprises, Inc. and Baja Fresh
Westlake Village, Inc., dba Baja Fresh Mexican Grill ("Borrower") and Western
Financial Bank ("Lender").

INTEREST RATE OPTIONS.

(a) Default Option. The interest rate margin and index described in the
"Variable Interest Rate" paragraph (the "Default Option").

(b) 3-Month LIBOR. A margin of 3.00 percentage points over LIBOR. For purposes
of this Note, 3-Month LIBOR shall mean the average of interbank offered rates
for 3 month U.S. dollar-denominated deposits in the London market, as published
in the Western Edition of the Wall Street Journal and rounded upwards, if
necessary, to the nearest one eighth (.125) of one percentage point.

(c) 6-Month LIBOR. A margin of 3.00 percentage points over LIBOR. For purposes
of this Note, 6-Month LIBOR shall mean the average of interbank offered rates
for 6 month U.S. dollar-denominated deposits in the London market, as published
in the Western Edition of the Wall Street Journal and rounded upwards, if
necessary, to the nearest one eighth (.125) of one percentage point.

ADVANCES.

Request for Advance. Each request for an Advance shall be made by an irrevocable
notice to Lender which specifies: (i) whether the requested Advance is to be an
Advance which bears interest as provided in the "Variable Interest Rate"
paragraph or an Advance which bears a LIBOR interest rate as provided in (b) or
(c) of the "Interest Rate Options" section, (ii) the amount of the requested
Advance, (iii) the date of the requested Advance, which must be a Business Day,
and (iv) if the requested Advance is to be a LIBOR Advance, the initial interest
period selected by Borrower for such Advance, as assigned to each available
LIBOR rate defined in the "Interest Rate Options" section. For each LIBOR
Advance, Borrower shall give the Request for Advance to Lender at least two (2)
Business Days before the date of the requested Advance. Each Request for Advance
shall be given by telephone or facsimile and thereafter immediately confirmed by
Borrower in writing to Lender. Notwithstanding anything contained in this
Agreement to the contrary, Lender shall have no obligation to make any LIBOR
Advance unless the requested LIBOR Advance is or will be at least Five Hundred
Thousand Dollars ($500,000.00).

Interest Period. The interest rate applicable to each LIBOR Advance shall be
adjusted on the first day of each interest period. If any interest period would
otherwise expire on a day which is not a Business Day, such interest period
shall expire on the next succeeding Business Day. No interest period shall
extend beyond the Note's maturity date.

<PAGE>

                                  EXHIBIT "A"

This exhibit is made a part of that Promissory Note dated December 12, 2000 in
the amount of $l0,000,000.00 between Fresh Enterprises, Inc. and Baja Fresh
Westlake Village, Inc., dba Baja Fresh Mexican Grill ("Borrower") and Western
Financial Bank ("Lender").

INTEREST RATE OPTIONS.

(a) Default Option. The interest rate margin and index described in the
"Variable Interest Rate" paragraph (the "Default Option").

(b) 3-Month LIBOR. A margin of 3.00 percentage points over LIBOR. For purposes
of this Note, 3-Month LIBOR shall mean the average of interbank offered rates
for 3 month U.S. dollar denominated deposits in the London market, as published
in the Western Edition of the Wall Street Journal and rounded upwards, if
necessary, to the nearest one eighth (.125) of one percentage point.

(c) 6-Month LIBOR. A margin of 3.00 percentage points over LIBOR. For purposes
of this Note, 6-Month LIBOR shall mean the average of interbank offered rates
for 6 month U.S. dollar denominated deposits in the London market, as published
in the Western Edition of the Wall Street Journal and rounded upwards, if
necessary, to the nearest one eighth (.125) of one percentage point.

ADVANCES.

Request for Advance. Each request for an Advance shall be made by an irrevocable
notice to Lender which specifies: (i) whether the requested Advance is to be an
Advance which bears interest as provided in the "Variable Interest Rate"
paragraph or an Advance which bears a LIBOR interest rate as provided in (b) or
(c) of the "Interest Rate Options" section, (ii) the amount of the requested
Advance, (iii) the date of the requested Advance, which must be a Business Day,
and (iv) if the requested Advance is to be a LIBOR Advance, the initial interest
period selected by Borrower for such Advance, as assigned to each available
LIBOR rate defined in the "Interest Rate Options" section. For each LIBOR
Advance, Borrower shall give the Request for Advance to Lender at least two (2)
Business Days before the date of the requested Advance. Each Request for Advance
shall be given by telephone or facsimile and thereafter immediately confirmed by
Borrower in writing to Lender. Notwithstanding anything contained in this
Agreement to the contrary, Lender shall have no obligation to make any LIBOR
Advance unless the requested LIBOR Advance is or will be at least Five Hundred
Thousand Dollars ($500,000.00).

Interest Period. The interest rate applicable to each LIBOR Advance shall be
adjusted on the first day of each interest period. If any interest period would
otherwise expire on a day which is not a Business Day, such interest period
shall expire on the next succeeding Business Day. No interest period shall
extend beyond the Note's maturity date.

                                       1

<PAGE>

                                  EXHIBIT "A"

Subsequent Interest Periods. Borrower shall notify Lender by an irrevocable
notice at least two (2) Business Days prior to the last day of each interest
period of the time period selected by Borrower for the next succeeding interest
period for such Advance as available in the "Interest Rate Options" section.
Each Notice of Interest Period Selection shall be given by telephone or
facsimile and thereafter immediately confirmed by Borrower in writing to Lender.
If Borrower fails to give Lender a Notice of Interest Period Selection, the
Advance will automatically convert to a Variable Interest Rate Advance on the
last day of the then existing interest period for such Advance.

CONVERSION OF VARIABLE INTEREST RATE ADVANCE.

Borrower may convert any Variable Interest Rate Advance into a LIBOR Advance, as
provided in (b) or (c) of the "Interest Rate Options" section, or any such LIBOR
Advance into a Variable Interest Rate Advance. Any conversion of a LIBOR Advance
into a Variable Interest Rate Advance shall be made on, and only on, the last
day of the interest period for that Advance, as provided in the "Interest Rate
Options" section and assigned to that Advance. Borrower shall request Lender to
make a conversion of a Variable Interest Rate Advance into a LIBOR Advance by an
irrevocable notice to Lender which specifies: (i) the Variable Interest Rate
Advance to be converted; (ii) the date of the requested conversion, which shall
be a Business Day; and (iii) the initial interest period selected by Borrower
for such Advance in accordance with each available LIBOR rate defined in the
"Interest Rate Options" section. Borrower shall give each Request for Conversion
to Lender at least two (2) Business Days before the date of the requested
conversion. Each Request for Conversion shall be given by telephone or facsimile
and thereafter immediately confirmed by Borrower in writing to Lender.

Prepayment of LIBOR Advance.

Upon prepayment of any LIBOR Advance on a day other than the last day of the
interest period for that LIBOR Advance, Borrower shall pay to Lender a
prepayment fee calculated by multiplying the principal amount being prepaid
times the number of days between the date of the prepayment and the last day of
the interest period divided by 360, times the applicable Interest Differential;
provided that no such fee shall be payable if the product of the foregoing
formula is not positive. "Interest Differential" means, with respect to any
prepayment, (i) the per annum interest rate payable under this Agreement with
respect to the applicable LIBOR Advance as of the date of prepayment, minus (ii)
the Term Fed Funds (SOLD) Rate on the date of the prepayment in an amount
approximately equal to the principal amount being prepaid. "Term Fed Funds
(SOLD) Rate" means the rate per annum determined by Lender in its sole
discretion and announced from time to time as its Term Fed Funds (SOLD) Rate for
a period approximately equal to the period from the date of the prepayment to
the last day of the interest period.

                                       2

<PAGE>

                                  EXHIBIT "X"

Riders to Promissory Note in the amount of $10,000,000.00 by and between Fresh
Enterprises, Inc. and Baja Fresh Westlake Village, Inc., dba Baja Fresh Mexican
Grill (individually and collectively "Borrower"), and Western Financial Bank
("Lender")

Rider (A):
---------

upon the occurrence and during the continuance of an "Event of Default" as
defined in the Business Loan Agreement dated December 12, 2000 between Borrower
and Lender

BORROWER:

Fresh Enterprises, Inc.

By: /s/ Greg Dollarhyde
    -----------------------------------------
    Greg Dollarhyde, President & CEO

By: /s/ Donald Breen
    -----------------------------------------
    Donald Breen, Senior Vice President & CFO

Baja Fresh Westlake Village, Inc., dba Baja Fresh Mexican Grill

By: /s/ Greg Dollarhyde
    -----------------------------------------
    Greg Dollarhyde, President, & CEO

By: /s/ Donald Breen
    -----------------------------------------
    Donald Breen, Senior Vice President & CFO

LENDER:

Western Financial Bank

By: /s/ Richard Wagner
    -----------------------------------------
    Authorized Officer

<PAGE>

                          [LOGO] Western Financial Bank

                           CHANGE IN TERMS AGREEMENT

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------
   Principal     Loan Date    Maturity     Loan No     Call/Coll   Account   Officer     Initials
<S>              <C>          <C>          <C>         <C>         <C>        <C>      <C>
$16,000,OOO.0O   09-27-2001   09-30-2002   0199 (CM)   4A0/3100    0001910    00905    /s/ Illegible
----------------------------------------------------------------------------------------------------
 References in the shaded area are for Lenders 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.
----------------------------------------------------------------------------------------------------
</TABLE>

<TABLE>
<S>                                                          <C>
Borrower: Fresh Enterprises, Inc.                            Lender: Western Financial Bank
          Baja Fresh Westlake Village, Inc. dba Baja Fresh           Commercial Banking Group
          Mexican Grill                                              15750 Alton Parkway
          225 W. Hillcrest Drive, Suite 351                          Irvine, CA 92618
          Thousand Oaks, CA 91360
</TABLE>

================================================================================

Principal Amount: $16,000,000.00           Date of Agreement: September 27, 2001

DESCRIPTION OF EXISTING INDEBTEDNESS. Promissory Note in the original amount of
$10,000,000.00 dated December 12, 2000, with a current principal balance of
$9,650,000.00, along with all renewals, extensions and/or modifications.

DESCRIPTION OF CHANGE IN TERMS. Effective October 1, 2001, and only upon
verification by Lender of a $12,000,000.00 Preferred Stock Series C equity
contribution by Borrower's stockholders, the following changes to this Note
shall be executed:

     The principal amount is increased to Sixteen Million & 00/100 Dollars
     ($16,000,000.00).

     The maturity date is extended to September 30, 2002.

     Upon request of Borrower to Lender and so long as there exists no Event of
     Default, this Note shall be extended to December 31, 2002 upon execution of
     related documentation and payment of a $16,000.00 fee by Borrower to
     Lender.

     The maturity date, as referenced in the 5-Year Extension section of this
     Note, is hereby amended to September 30, 2002 and subsequently, if
     applicable, to December 31, 2002.

CONTINUING VALIDITY. Except as expressly changed by this Agreement, the terms of
the original obligation or obligations. Including all agreements evidenced or
securing the obligation(s), remain unchanged and in full force and effect.
Consent by Lender to this Agreement does not waive Lender's right to strict
performance of the obligation(s) as changed, nor obligate Lender to make any
future change in terms. Nothing in this Agreement will constitute a satisfaction
of the obligation(s). It is the intention of Lender to retain as liable parties
all makers and endorsers of the original obligation(s), including accommodation
parties, unless a party is expressly released by Lender in writing. Any maker or
endorser, including accommodation makers, will not be released by virtue of this
Agreement. If any person who signed the original obligation does not sign this
Agreement below, then all persons signing below acknowledge that this Agreement
is given conditionally, based on the representation to Lender that the
non-signing party consents to the changes and provisions of this Agreement or
otherwise will not be released by it. This waiver applies not only to any
initial extension, modification or release, but also to all such subsequent
actions.

BORROWER:

FRESH ENTERPRISES, INC

By: /s/ Greg Dollarhyde                  By: /s/ Donald Breen
   -----------------------------------      ------------------------------------
    Greg Dollarhyde, President &             Donald Breen, Senior Vice Pres. &
    CEO of Fresh Enterprises, Inc.           CFO of Fresh Enterprises, Inc.

BAJA FRESH WESTLAKE VILLAGE, INC. DBA BAJA FRESH MEXICAN GRILL

By: /s/ Greg Dollarhyde                  By: /s/ Donald Breen
   -----------------------------------      ------------------------------------
    Greg Dollarhyde, President &             Donald Breen, Senior Vice Pres. &
    CEO of Baja Fresh Westlake Village       CFO of Baja Fresh Westlake Village
    Inc. dba Baja Fresh Mexican Grill        Inc. dba Baja Fresh Mexican Grill.

LENDER:

WESTERN FINANCIAL BANK

    /s/ Richard Wagner
   -----------------------------------
   Authorized Signer

================================================================================<PAGE>

                                                                   EXHIBIT 10.8

                         [LOGO] Western Financial Bank

                         COMMERCIAL SECURITY AGREEMENT
<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------
  Principal     Loan Date     Maturity    Loan No   Call   Collateral   Account   Officer   Initials
----------------------------------------------------------------------------------------------------
<S>             <C>          <C>           <C>      <C>       <C>       <C>         <C>     <C>
$2,000,000.00   12-12-2000   12-11-2001    9001     4a0       3100      0001910     00905
----------------------------------------------------------------------------------------------------
    References in the shaded area are for Lender's use only and do not limit the applicability of
                           this document to any particular loan or item.
----------------------------------------------------------------------------------------------------
</TABLE>

Borrower: Fresh Enterprises, Inc.; ET. AL.    Lender:   Western Financial Bank
          225 W. Hillcrest Drive, Suite 351             Commercial Banking Group
          Thousand Oaks, CA 91360                       15750 Alton Parkway
                                                        Irvine, CA 92618

Grantor:  Fresh Enterprises, Inc., Baja Fresh Westlake Village, Inc., dba Baja
          Fresh Mexican Grill and Triune Corporation

================================================================================

THIS COMMERCIAL SECURITY AGREEMENT is entered into among Fresh Enterprises, Inc.
and Baja Fresh Westlake Village, Inc., dba Baja Fresh Mexican Grill (referred to
below Individually and collectively as "Borrower"); Fresh Enterprises, Inc.,
Baja Fresh Westlake Village, Inc., dba Baja Fresh Mexican Grill and Triune
Corporation (referred to below individually and collectively as "Grantor"); and
Western Financial Bank (referred to below as "Lender"). For valuable
consideration, Grantor grants to Lender a security interest in the Collateral to
secure the Indebtedness and agrees that Lender shall have the rights stated in
this Agreement with respect to the Collateral, in addition to all other rights
which Lender may have by law.

DEFINITIONS. The following words shall have the following meanings when used in
this Agreement. Terms not otherwise defined in this Agreement shall have the
meanings attributed to such terms in the Uniform Commercial Code. All references
to dollar amounts shall mean amounts in lawful money of the United States of
America.

     Agreement. The word "Agreement" means this Commercial Security Agreement,
     as this Commercial Security Agreement may be amended or modified from time
     to time, together with all exhibits and schedules attached to this
     Commercial Security Agreement from time to time.

     Borrower. The word "Borrower" means each and every entity signing the Note,
     including without limitation Fresh Enterprises, Inc. and Baja Fresh
     Westlake Village, Inc., dba Baja Fresh Mexican Grill.

     Collateral. The word "Collateral" means the following described property of
     Grantor, whether now owned or hereafter acquired, whether now existing or
     hereafter arising, and wherever located:

          All inventory, chattel paper, accounts, equipment and general
          intangibles, together with the following specifically described
          property: Any and all copyrights, trademarks, service marks, logos,
          patents, trade secrets, domain names and other intellectual property
          rights (and all applications for registration and registrations
          thereof) currently owned or hereafter acquired by Grantor, including
          without limitation the "BAJA FRESH" mark and all derivations and
          combinations thereof, and the marks and registrations identified on
          the attached Exhibit "A" and all derivations and combinations thereof,
          along with everything described on Exhibit "B" attached hereto and
          made a part hereof.

     In addition, the word "Collateral" includes all the following, whether now
     owned or hereafter acquired, whether now existing or hereafter arising,
     and wherever located:

          (a) All attachments, accessions, accessories, tools, parts, supplies,
          increases, and additions to and all replacements of and substitutions
          for any property described above.

          (b) All products and produce of any of the property described in this
          Collateral section.

          (c) All accounts, general intangibles, instruments, rents, monies,
          payments, and all other rights, arising out of a sale, lease, or other
          disposition of any of the property described in this Collateral
          section.

          (d) All proceeds (including insurance proceeds) from the sale,
          destruction, loss, or other disposition of any of the property
          described in this Collateral section.

          (e) All records and data relating to any of the property described in
          this Collateral section, whether in the form of a writing, photograph,
          microfilm, microfiche, or electronic media, together with all of
          Grantor's right, title, and interest in and to all computer software
          required to utilize, create, maintain, and process any such records or
          data on electronic media.

     Event of Default. The words "Event of Default" (A)

     Grantor. The word "Grantor" means Fresh Enterprises, Inc., Baja Fresh
     Westlake Village, Inc., dba Baja Fresh Mexican Grill and Triune
     Corporation. Any Grantor who signs this Agreement, but does not sign the
     Note, is signing this Agreement only to grant a security interest in
     Grantor's interest in the Collateral to Lender and is not personally liable
     under the Note except as otherwise provided by contract or law (e.g.
     personal liability under a guaranty or as a surety).

     Guarantor. The word "Guarantor" means and includes without limitation each
     and all of the guarantors, sureties, and accommodation parties in
     connection with the Indebtedness.

     Indebtedness. The word "Indebtedness" means the Indebtedness evidenced by
     the Note, including all principal and interest, together with all other
     Indebtedness and costs and expenses for which Grantor or Borrower is
     responsible under this Agreement or under any of the Related Documents. In
     addition, the word "Indebtedness" includes all other obligations, debts and
     liabilities, plus interest thereon, of Borrower, or any one or more of
     them, to Lender, as well as all claims by Lender against Borrower, or any
     one or more of them, whether existing now or later; whether they are
     voluntary or involuntary, due or not due, direct or indirect, absolute or
     contingent, liquidated or unliquidated; whether Borrower may be liable
     individually or jointly with others; whether Borrower may be obligated as
     guarantor, surety, accommodation party or otherwise; whether recovery upon
     such Indebtedness may be or hereafter may become barred by any statute of
     limitations; and whether such indebtedness may be or hereafter may become
     otherwise unenforceable.

     Lender. The word "Lender" means Western Financial Bank, its successors and
     assigns.

     Note. The word "Note" means the Borrower's promissory note or notes, if
     any, evidencing Borrower's loan obligations in favor of Lender, as well as
     any substitute, replacement or refinancing note or notes therefor.

     Related Documents. The words "Related Documents" mean and include without
     limitation all promissory notes, credit agreements, loan agreements,
     environmental agreements, guaranties, security agreements, mortgages, deeds
     of trust, and all other instruments, agreements and documents, whether now
     or hereafter existing, executed in connection with the Indebtedness.

BORROWER'S WAIVERS AND RESPONSIBILITIES. Except as otherwise required under
this Agreement or by applicable law, (a) Borrower agrees that Lender need not
tell Borrower about any action or inaction Lender takes in connection with this
Agreement; (b) Borrower assumes the responsibility for being and keeping
informed about the Collateral; and (c) Borrower waives any defenses that may
arise because of any action or in action of Lender, including without limitation
any failure of Lender to realize upon the Collateral or any delay by Lender in
realizing upon the Collateral; and Borrower agrees to remain liable under the
Note no matter what action Lender takes or fails to take under this Agreement.

GRANTOR'S REPRESENTATIONS AND WARRANTIES. Grantor warrants that: (a) this
Agreement is executed at Borrower's request and not at the request of Lender;
(b) Grantor has the full right, power and authority to enter into this Agreement
and to pledge the Collateral to Lender: (c) Grantor has established adequate
means of obtaining from Borrower on a continuing basis information about
Borrower's financial condition; and (d) Lender as made no representation to
Grantor about Borrower or Borrower's creditworthiness.

GRANTOR'S WAIVERS. Except as prohibited by applicable law, Grantor waives any
right to require Lender to (a) make any presentment, protest, demand, or notice
of any kind, including notice of change of any terms of repayment of the
indebtedness, default by Borrower or any other guarantor or surety, any action
or nonaction taken by Borrower, Lender, or any other guarantor or surety of
Borrower, or the creation of new or additional Indebtedness; (b) proceed against
any person, including Borrower, before proceeding against Grantor; (c) proceed
against any collateral for the Indebtedness, including Borrower's collateral,
before proceeding against Grantor, (d) apply any payments or proceeds received
against the Indebtedness in any order; (e) give notice of the terms, time, and
place of any sale of any collateral pursuant to the Uniform Commercial Code or
any other law governing such sale; (f) disclose any information about the
Indebtedness, the Borrower, any collateral, or any other guarantor or surety, or
about any action or nonaction of Lender, or (g) pursue any remedy or course of
action in Lender's power whatsoever.

Grantor also waives any and all rights or defenses arising by reason of (h) any
disability or other defense of Borrower, any other guarantor or surety; or any
other person; (i) the cessation from any cause whatsoever, other than payment in
full, of the Indebtedness; (j) the application of proceeds of the Indebtedness
by Borrower for purposes other than the purposes understood and intended by
Grantor and Lender; (k) any act of omission or commission by Lender which
directly or indirectly results in or contributes to the discharge of Borrower or
any other guarantor or surety or the

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12-12-2000               COMMERCIAL SECURITY AGREEMENT                    Page 2
Loan No 9001                      (Continued)
================================================================================

Indebtedness, or the loss or release of any collateral by operation of law or
otherwise; (l) any statute of limitations in any action under this Agreement or
on the Indebtedness; or (m) any modification or change in terms of the
Indebtedness, whatsoever, including without limitation, the renewal, extension,
acceleration, or other change in the time payment of the Indebtedness is due and
any change in the interest rate.

Grantor waives all rights and defenses arising out of an election of remedies by
Lender, even though that election of remedies, such as nonjudicial foreclosure
with respect to security for a guaranteed obligation, has destroyed Grantor's
rights of subrogation and reimbursement against Borrower by the operation of
Section 580d of the California Code of Civil Procedure, or otherwise.

This waiver includes, without limitation, any loss of rights Grantor may suffer
by reason of any rights or protections of Borrower in connection with any
anti-deficiency laws, or other laws limiting or discharging the Indebtedness or
Borrower's obligations (including, without limitation, Section 726, 580a, 580b,
and 580d of the California Code of Civil Procedure). Grantor waives all rights
and protections of any kind which Grantor may have for any reason, which would
affect or limit the amount of any recovery by Lender from Grantor following a
nonjudicial sale or judicial foreclosure of any real or personal property
security for the indebtedness including, but not limited to, the right to any
fair market value hearing pursuant to California Code of Civil Procedure Section
580a.

Grantor understands and agrees that the foregoing waivers are waivers of
substantive rights and defenses to which Grantor might otherwise be entitled
under state and federal law. The rights and defenses waived include, without
limitation, those provided by California laws of suretyship and guaranty,
anti-deficiency laws, and the Uniform Commercial Code. Grantor acknowledges that
Grantor has provided these waivers of rights and defenses with the intention
that they be fully relied upon by Lender. Until all Indebtedness is paid in
full, Grantor waives any right to enforce any remedy Lender may have against
Borrower or any other guarantor, surety, or other person, and further, Grantor
waives any right to participate in any collateral for the Indebtedness now or
hereafter held by lender.

If now or hereafter (a) Borrower shall be or become insolvent, and (b) the
Indebtedness shall not at all times until paid be fully secured by collateral
pledged by Borrower, Grantor hereby forever waives and relinquishes in favor of
Lender and Borrower, and their respective successors, any claim or right to
payment Grantor may now have or hereafter have or acquire against Borrower, by
subrogation or otherwise, so that at no time shall Grantor be or become a
"creditor" of Borrower within the meaning of 11 U.S.C. section 547(b), or any
successor provision of the Federal bankruptcy laws.

RIGHT OF SETOFF. Grantor hereby grants Lender a contractual security interest in
and hereby assigns, conveys, delivers, pledges, and transfers all of Grantor's
right, title and interest in and to Grantor's accounts with Lender (whether
checking, savings, or some other account), including all accounts held jointly
with someone else and all accounts Grantor may open in the future, excluding,
however, all IRA and Keogh accounts, and all trust accounts for which the grant
of a security interest would be prohibited by law. Grantor authorizes Lender, to
the extent permitted by applicable law, to charge or setoff all Indebtedness
against any and all such accounts.

OBLIGATIONS OF GRANTOR. Grantor warrants and covenants to Lender as follows:

     Perfection of Security Interest. Grantor agrees to execute such financing
     statements and to take whatever other actions are requested by Lender to
     perfect and continue Lender's security interest in the Collateral. Upon
     request of Lender, Grantor will deliver to Lender any and all of the
     documents evidencing or constituting the Collateral, and Grantor will note
     Lender's interest upon any and all chattel paper if not delivered to Lender
     for possession by Lender. Grantor hereby appoints Lender as its irrevocable
     attorney-in-fact for the purpose of executing any documents necessary to
     perfect or to continue the security interest granted in this Agreement.
     Lender may at any time, and without further authorization from Grantor,
     file a carbon, photographic or other reproduction of any financing
     statement or of this Agreement for use as a financing statement. Grantor
     will reimburse Lender for all expenses for the perfection and the
     continuation of the perfection of Lender's security interest in the
     Collateral. Grantor promptly will notify Lender before any change in
     Grantor's name including any change to the assumed business names of
     Grantor. This is a continuing Security Agreement and will continue in
     effect (B) even though all or any part of the Indebtedness is paid in full
     and even though for a period of time Borrower may not be indebted to
     Lender.

     No Violation. The execution and delivery of this Agreement will not violate
     any law or agreement governing Grantor or to which Grantor is a party, and
     its articles or agreements relating to entity incorporation, organization
     or existence do not prohibit any term or condition of this Agreement.

     Enforceability of Collateral. To the extent the Collateral consists of
     accounts, chattel paper, or general intangibles, the Collateral is
     enforceable in accordance with its terms, is genuine, and complies with
     applicable laws concerning form, content and manner of preparation and
     execution, and all persons appearing to be obligated on the Collateral have
     authority and capacity to contract and are in fact obligated as they appear
     to be on the Collateral. At the time any account becomes subject to a
     security interest In favor of Lender, the account shall be a good and valid
     account representing an undisputed, bona fide indebtedness incurred by the
     account debtor, for merchandise held subject to delivery instructions or
     theretofore shipped or delivered pursuant to a contract of sale, or for
     services theretofore performed by Grantor with or for the account debtor;
     there shall be no (C) setoffs or counterclaims against any such account;
     and no agreement under which any deductions or discounts may be claimed
     shall have been made with the account debtor except those disclosed to
     Lender in writing.

     Location of the Collateral. Grantor, upon request of Lender, will deliver
     to Lender in form satisfactory to Lender a schedule of real properties and
     Collateral locations relating to Grantor's operations, including without
     limitation the following: (a) all real property owned or being purchased by
     Grantor; (b) all real property being rented or leased by Grantor; (c) all
     storage facilities owned, rented, leased, or being used by Grantor; and (d)
     all other properties where Collateral is or may be located. Except in the
     ordinary course of its business, Grantor shall not remove the Collateral
     from its existing locations without the prior written consent of Lender.

     Removal of Collateral. Grantor shall keep the Collateral (or to the extent
     the Collateral consists of intangible property such as accounts, the
     records concerning the Collateral) at Grantor's address shown above, or at
     such other locations as are acceptable to Lender. Except in the ordinary
     course of its business, including the sales of inventory, Grantor shall not
     remove the Collateral from its existing locations without the prior written
     consent of Lender. To the extent that the Collateral consists of vehicles,
     or other titled property, Grantor shall not take or permit any action which
     would require application for certificates of title for the vehicles
     outside the State of California, without the prior written consent of
     Lender.

     Transactions Involving Collateral. Except for inventory sold or accounts
     collected in the ordinary course of Grantor's business, (D) Grantor shall
     not sell, offer to sell, or otherwise transfer or dispose of the
     Collateral. While Grantor is not in default under this Agreement, Grantor
     may sell inventory, but only in the ordinary course of its business and
     only to buyers who qualify as a buyer in the ordinary course of business. A
     sale in the ordinary course of Grantor's business does not include a
     transfer in partial or total satisfaction of a debt or any bulk sale.
     Grantor shall not pledge, mortgage, encumber or otherwise permit the
     Collateral to be subject to any lien, security interest, encumbrance, or
     charge, other than (E) the security interest provided for in this
     Agreement, without the prior written consent of Lender. This includes
     security interests even if junior in right to the security interests
     granted under this Agreement. (F)

     Title. Grantor represents and warrants to Lender that it holds good and
     marketable title to the Collateral, free and clear of all liens and
     encumbrances except for the lien of this Agreement (H) no financing
     statement covering any of the Collateral in on file is any public office
     other than those which reflect the security interest created by this
     Agreement or to which Lender has specifically consented. Grantor shall
     defend Lender's rights in the Collateral against the claims and demands of
     all other persons.

     Collateral Schedules and Locations. As often as Lender shall (I) require,
     and insofar as the Collateral consists of accounts and general intangibles,
     Grantor shall deliver to Lender schedules of such Collateral, including
     such information as Lender may require, including without limitation names
     and addresses of account debtors and agings of accounts and general
     intangibles. Insofar as the Collateral consists of inventory and equipment,
     Grantor shall deliver to Lender, as often as Lender shall (I) require, such
     list, descriptions, and designations of such Collateral as Lender may (I)
     require to identify the nature, extent, and location of such Collateral.
     Such information shall be submitted for Grantor and each of its
     subsidiaries or related companies.

     Maintenance and Inspection of Collateral. Guarantor shall maintain all
     tangible Collateral in good condition and repair. Grantor will not commit
     or permit damage to or destruction of (J) the Collateral. Lender and its
     designated representatives and agents shall have the right at all
     reasonable times (K) to examine, inspect, and audit the Collateral wherever
     located. Guarantor shall immediately notify Lender of all cases involving
     the return, rejection, repossession, loss or damage of or to any (L)
     Collateral; of any (M) request for credit or adjustment or of any other (M)
     dispute arising with respect to the Collateral; and generally of all (M)
     happenings and events affecting the Collateral or the value or the amount
     of the Collateral.

     Taxes, Assessments and Liens. Grantor will pay when due all taxes,
     assessments and liens upon the Collateral, its use or operation, upon this
     Agreement, upon any promissory note or notes evidencing the Indebtedness,
     or upon any of the other Related Documents. Grantor may with hold any such
     payment or may elect to contest any lien if Grantor is in good faith
     conducting an appropriate proceeding to contest the obligation to pay and
     so long as Lender's interest in the Collateral is not jeopardized in
     Lender's (N) opinion. If the Collateral is subjected to a lien which is not
     (O) discharged within fifteen (15) days, Grantor shall deposit with Lender
     cash, a sufficient corporate surety bond or other security satisfactory to
     Lender in an amount adequate to provide for the discharge of the lien plus
     any interest, costs, attorneys' fees or other charges that could accrue as
     a result of foreclosure or sale of the Collateral. In any contest Grantor
     shall defend itself and Lender and shall satisfy any final adverse judgment
     before enforcement against the Collateral. Grantor shall name Lender as an
     additional obligee under any surety bond furnished in the contest
     proceedings.

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12-12-2000               COMMERCIAL SECURITY AGREEMENT                    Page 3
Loan No 9001                      (Continued)
================================================================================

     Compliance With Governmental Requirements. Grantor shall comply promptly
     (P) with all laws, ordinances, rules and regulations of all governmental
     authorities, now or hereafter in effect, applicable to the ownership,
     production, disposition, or use of the Collateral. Grantor may contest in
     good faith any such law, ordinance or regulation and withhold compliance
     during any proceeding, including appropriate appeals, so long as Lender's
     interest in the Collateral, in Lender's opinion, is not jeopardized.

     Hazardous Substances. Grantor represents and warrants that the Collateral
     never has been, and never will be so long as this Agreement remains a lien
     on the Collateral, used for the generation, manufacture, storage,
     transportation, treatment, disposal, release or threatened release of any
     hazardous waste or substance, as those terms are defined in the
     Comprehensive Environmental Response, Compensation, and Liability Act of
     1980, as amended, 42 U.S.C. Section 9601, et seq. ("CERCLA"), the
     Superfund Amendments and Reauthorization Act of 1986, Pub. L. No. 99-499
     ("SARA"), the Hazardous Materials Transportation Act, 49 U.S.C. Section
     1801, et seq., the Resource Conservation and Recovery Act, 42 U.S.C.
     Section 8901, et seq., Chapters 6.5 through 7.7 of Division 20 of the
     California Health and Safety Code, Section 25100, et seq., or other
     applicable state or Federal laws, rules, or regulations adopted pursuant to
     any of the foregoing. The terms "hazardous waste" and "hazardous substance"
     shall also include, without limitation, petroleum and petroleum by-products
     or any fraction thereof and asbestos. The representations and warranties
     contained herein are based on Grantor's due diligence in investigating the
     Collateral for hazardous wastes and substances. Grantor hereby (a) releases
     and waives any future claims against Lender for indemnity or contribution
     in the event Grantor becomes liable for cleanup or other costs under any
     such laws, and (b) agrees to indemnify and hold harmless Lender against any
     and all claims and losses resulting from a breach of this provision of this
     Agreement. This obligation to indemnify shall survive the payment of the
     Indebtedness and the satisfaction of this Agreement.

     Maintenance of Casualty Insurance. Grantor shall procure and maintain all
     risks insurance, including without limitation fire, theft and liability
     coverage together with such other insurance as Lender may require with
     respect to the Collateral, in form, amounts, coverages and basis reasonably
     acceptable to Lender and Issued by a company or companies reasonably
     acceptable to Lender. Grantor, upon request of Lender, will deliver to
     Lender from time to time the policies or certificates of insurance in form
     satisfactory to Lender, including stipulations that coverages will not be
     cancelled or diminished without at least ten (10) days' prior written
     notice to Lender and not including any disclaimer of the Insurer's
     liability for failure to give such a notice. Each insurance policy also
     shall include an endorsement providing that coverage in favor of Lender
     will not be impaired in any way by any act, omission or default of Grantor
     or any other person. In connection with all policies covering assets in
     which Lender holds or is offered a security interest, Grantor will provide
     Lender with such loss payable or other endorsements as Lender may require.
     If Grantor at any time fails to obtain or maintain any Insurance as
     required under this Agreement, Lender may (but shall not be obligated to)
     obtain such insurance as Lender deems appropriate, including if it so
     chooses "single interest insurance," which will cover only Lender's
     interest in Collateral.

     Application of Insurance Proceeds. Grantor shall promptly notify Lender of
     any loss or damage to (Q) the Collateral. Lender may make proof of loss if
     Grantor fails to do so within fifteen (15) days of the casualty, All
     proceeds of any insurance on the Collateral (R) including accrued proceeds
     thereon, shall be held by Lender as part of the Collateral. If Lender
     Consents to repair or replacement of the damaged or destroyed Collateral,
     Lender shall, upon satisfactory proof of expenditure, pay or reimburse
     Grantor from the proceeds for the reasonable cost of repair or restoration.
     If Lender does not consent to repair or replacement of the Collateral,
     Lender shall retain a sufficient amount of the proceeds to pay all of the
     Indebtedness, and shall pay the balance to Grantor. Any proceeds which have
     not been disbursed within six (6) months after their receipt and which
     Grantor has not committed to the repair or restoration of the Collateral
     shall be used to prepay the Indebtedness.

     Insurance Reserves. Lender may require Grantor to maintain with Lender
     reserves for payment of insurance premiums, which reserves shall be created
     by monthly payments from Grantor of a sum estimated by Lender to be
     sufficient to produce, at least fifteen (15) days before the premium due
     date, amount at least equal to the insurance premiums to be paid. If
     fifteen (15) days before payment is due, the reserve funds are
     insufficient, Grantor shall upon demand pay any deficiency to Lender. The
     reserve funds shall be held by Lender as a general deposit and shall
     constitute a non-interest-bearing account which Lender may satisfy by
     payment of the insurance premiums required to be paid by Grantor as they
     become due. Lender does not hold the reserve funds in trust for Grantor,
     and Lender is not the agent of Grantor for payment of the insurance
     premiums required to be paid by Grantor. The responsibility for the payment
     of premiums shall remain Grantor's sole responsibility.

     Insurance Reports. Grantor, upon request of Lender, shall furnish to Lender
     reports on each existing policy of Insurance showing such information as
     Lender may reasonably request including the following: (a) the name of the
     insurer; (b) the risks insured; (c) the amount of the policy; (d) the
     property insured; (e) the then current value on the basis of which
     insurance has been obtained and the manner of determining that value; and
     (f) the expiration dates of the policy. In addition, (RR) Grantor shall
     upon request by Lender (however not more often than annually) have an
     Independent appraiser satisfactory to Lender determine, as applicable, the
     cash value or replacement cost of the Collateral.

GRANTOR'S RIGHT TO POSSESSION AND TO COLLECT ACCOUNTS. Until default and except
as otherwise provided below with respect to accounts, Grantor may have
possession of the tangible personal property and beneficial use of all the
Collateral and may use it in any lawful manner not inconsistent with this
Agreement or the Related Documents, provided that Grantor's right to possession
and beneficial use shall not apply to any Collateral where possession of the
Collateral by Lender is required by law to perfect Lender's security interest in
such Collateral. Grantor may collect any of the Collateral consisting of
accounts. At any time (S) Event of Default exists, Lender may exercise its
rights to collect the accounts and to notify account debtors to make payments
directly to Lender for application to the Indebtedness. If Lender at any time
has possession of any Collateral, whether before or after an Event of Default,
Lender shall be deemed to have exercised reasonable care in the custody and
preservation of the Collateral if Lender takes such action for that purpose as
Grantor shall request or as Lender, in Lender's sole discretion, shall deem
appropriate under the circumstances, but failure to honor any request by Grantor
shall not of itself be deemed to be a failure to exercise reasonable care.
Lender shall not be required to take any steps necessary to preserve any rights
in the Collateral against prior parties, nor to protect, preserve or maintain
any security interest given to secure the indebtedness.

EXPENDITURES BY LENDER. If not discharged or paid when due, Lender may (but
shall not be obligated to) discharge or pay any amounts required to be
discharged or paid by Grantor under this Agreement, including without limitation
all taxes, liens, security interests, encumbrances, and other claims, at any
time levied or placed on the Collateral. Lender also may (but shall not be
obligated to) pay all costs for insuring, maintaining and preserving the
Collateral. All such expenditures incurred or paid by Lender for such purposes
will then bear interest at the rate charged under the Note from the data
incurred or paid by Lender to the date of repayment by Grantor. All Such
expenses shall become a part of the indebtedness and, at Lender's option, will
(a) be payable on demand, (b) be added to the balance of the Note and be
apportioned among and be payable with any installment payments to become due
during either (i) the term of any applicable insurance policy or (ii) the
remaining term of the Note, or (c) be treated as a balloon payment which will be
due and payable at the Note's maturity. This Agreement also will secure payment
of these amounts. Such right shall be in addition to all other rights and
remedies to which Lender may be entitled upon the occurrence of an Event of
Default.

EVENTS OF DEFAULT. Each of the (SS)

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Loan No 9001                            (Continued)
================================================================================

RIGHTS AND REMEDIES ON DEFAULT. If an Event of Default occurs under this
Agreement, (SSS) at any time thereafter, Lender shall have all the rights of a
secured party under the California Uniform Commercial Code. In addition and
without limitation, Lender may exercise any one or more of the following rights
and remedies:

     Accelerate Indebtedness. Lender may declare the entire Indebtedness,
     including any prepayment penalty which Borrower would be required to pay,
     immediately due and payable, without notice.

     Assemble Collateral. Lender may require Grantor to deliver to Lender all or
     any portion of the Collateral and any and all certificates of title and
     other documents relating to the Collateral. Lender may require Grantor to
     assemble the Collateral and make it available to Lender at a place to be
     designated by Lender. Lender also shall have full power to enter upon the
     property of Grantor to take possession of and remove the Collateral. If the
     Collateral contains other goods not covered by this Agreement at the time
     of repossession, Grantor agrees Lender may take such other goods, provided
     that Lender makes reasonable efforts to return them to Grantor after
     repossession.

     Sell the Collateral. Lender shall have full power to sell, lease, transfer,
     or otherwise deal with the Collateral or proceeds thereof in its own name
     or that of Grantor. Lender may sell the Collateral at public auction or
     private sale. Unless the Collateral threatens to decline speedily in value
     or is of a type customarily sold on a recognized market, Lender will give
     Grantor reasonable notice of the time after which any private sale or any
     other intended disposition of the Collateral is to be made. The
     requirements of reasonable notice shall be met if such notice is given at
     least ten (10) days, or such lesser time as required by state law, before
     the time of the sale or disposition. All expenses relating to the
     disposition of the Collateral, including without limitation the expenses of
     retaking, holding, insuring, preparing for sale and selling the Collateral,
     shall become a part of the indebtedness secured by this Agreement and shall
     be payable on demand, with interest at the Note rate from date of
     expenditure until repaid.

     Appoint Receiver. To the extent permitted by applicable law, Lender shall
     have the following rights and remedies regarding the appointment of a
     receiver: (a) Lender may have a receiver appointed as a matter of right,
     (b) the receiver may be an employee of Lender and may serve without bond,
     and (c) all fees of the receiver and his or her attorney shall become part
     of the indebtedness secured by this Agreement and shall be payable on
     demand, with interest at the Note rate from date of expenditure until
     repaid.

     Collect Revenues, Apply Accounts. Lender, either itself or through a
     receiver, may collect the payments, rents, income, and revenues from the
     Collateral. Lender may at any time in its discretion transfer any
     Collateral into its own name or that of its nominee and receive the
     payments, rents, income, and revenues therefrom and hold the same as
     security for the indebtedness or apply it to payment of the indebtedness in
     such order of preference as Lender may determine. Insofar as the Collateral
     consists of accounts, general intangibles, insurance policies, instruments,
     chattel paper, chosen in action, or similar property, Lender may demand,
     collect, receipt for, settle, compromise, adjust, sue for, foreclose, or
     realize on the Collateral as Lender may determine, whether or not
     indebtedness or Collateral is then due. For these purposes, Lender may, on
     behalf of and in the name of Grantor, receive, open and dispose of mail
     addressed to Grantor; change any address to which mail and payments are to
     be sent; and endorse notes, checks, drafts, money orders, documents of
     title, instruments and items pertaining to payment, shipment, or storage of
     any Collateral. To facilitate collection, Lender may notify account debtors
     and obligors on any Collateral to make payments directly to Lender.

     Obtain Deficiency. If Lender chooses to sell any or all of the Collateral,
     Lender may obtain a judgment against Borrower for any deficiency remaining
     on the indebtedness due to Lender after application of all amounts received
     from the exercise of the rights provided in this Agreement Borrower shall
     be liable for a deficiency even if the transaction described in this
     subsection is a sale of accounts or chattel paper.

     Other Rights and Remedies. Lender shall have all the rights and remedies of
     a secured Creditor under the provisions of the Uniform Commercial Code, as
     may be amended from time to time. In addition, Lender shall have and may
     exercise any or all other rights and remedies it may have available at law,
     in equity, or otherwise,

     Cumulative Remedies. All of Lender's rights and remedies, whether evidenced
     by this Agreement or the Related Documents or by any other writing, shall
     be cumulative and may be exercised singularly or concurrently. Election by
     Lender to pursue any remedy shall not exclude pursuit of any other remedy,
     and an election to make expenditures or to take action to perform an
     obligation of Grantor or Borrower under this Agreement, after Grantor or
     Borrower's failure to perform, shall not affect Lender's right to declare a
     default and to exercise its remedies.

MISCELLANEOUS PROVISIONS. The following miscellaneous provisions are a part of
this Agreement:

     Amendments. This Agreement, together which any Related Documents,
     constitutes the entire understanding and agreement of the parties as to the
     matters set forth in this Agreement. No alteration of or amendment to this
     Agreement shall be effective unless given in writing and signed by the
     party or parties sought to be charged or bound by the allegation or
     amendment.

     Applicable Law. This Agreement has been delivered to Lender and accepted
     by Lender in the State of California. If there is a lawsuit, Grantor and
     Borrower agree upon Lender's request to submit to the juisdiction of the
     courts of Orange County, the State of California. Lender, Grantor and
     Borrower hereby waive the right to any jury trial in any action,
     proceeding, or counterclaim brought by either Lender, Grantor or Borrower
     against the other. Subject to the provisions on arbitration, this Agreement
     shall be governed by and construed in accordance with the laws of the State
     of California.

     Arbitration. Lender and Grantor and Borrower agree that all disputes,
     claims and controversies between them, whether individual, joint, or class
     in nature, arising from this Agreement or otherwise, including without
     limitation contract and tort disputes, shall be arbitrated pursuant to the
     Rules of the American Arbitration Association, upon request of either
     party. No act to take or dispose of any Collateral shall constitute a
     waiver of this arbitration agreement or be prohibited by this arbitration
     agreement. This includes, without limitation, obtaining injunctive relief
     or a temporary restraining order; invoking a power of sale under any deed
     of trust or mortgage: obtaining a writ of attachment or imposition of a
     receiver: or exercising any rights relating to personal property, including
     taking or disposing of such property with or without judicial process
     pursuant to Article 9 of the Uniform Commercial Code. Any disputes, claims,
     or controversies concerning the lawfulness or reasonableness of any act, or
     exercise of any right, concerning any Collateral, including any claim to
     rescind, reform, or otherwise modify any agreement relating to the
     Collateral, shall also be arbitrated, provided however that no arbitrator
     shall have the right or the power to enjoin or restrain any act of any
     party. Lender and Grantor and Borrower agree that in the event of an action
     for judicial foreclosure pursuant to California Code of Civil Procedure
     Section 726, or any similar provision in any other state, the commencement
     of such an action will not constitute a waiver of the right to arbitrate
     and the court shall refer to arbitration as much of such action, including
     counterclaims, as lawfully may be referred to arbitration. Judgment upon
     any award rendered by any arbitrator may be entered in any court having
     jurisdiction. Nothing in this Agreement shall preclude any party from
     seeking equitable relief from a court of competent jurisdiction. The
     statute of limitations, estoppel, waiver, laches, and similar doctrines
     which would otherwise be applicable in an action brought by a party shall
     be applicable in any arbitration proceeding, and the commencement of an
     arbitration proceeding shall be deemed the commencement of an action for
     these purposes. The Federal Arbitration Act shall apply to the
     construction, interpretation, and enforcement of this arbitration
     provision.

     Attorneys' Fees; Expenses. Grantor and Borrower agree to pay upon demand
     all of Lender's costs and expenses, including (N) attorneys' fees and
     Lender's legal expenses, incurred in connection with the enforcement of
     this Agreement. Lender may pay someone else also to help enforce this
     Agreement, and Grantor and Borrower shall pay the costs and expenses of
     such enforcement. Costs and expenses include Lender's attorneys' fees and
     legal expenses whether or not there is a lawsuit, including attorneys' fees
     and legal expenses for bankruptcy proceedings (and including efforts to
     modify or vacate any automatic stay or injunction), appeals, and any
     anticipated post-judgment collection services. Grantor and Borrower also
     shall pay all Court costs and such additional fees as may be directed by
     the court.

     Caption Headings. Caption headings in this Agreement are for convenience
     purposes only and are not to be used to interpret or define the provisions
     of this Agreement.

     Multiple Parties;Corporate Authority. All obligations of Grantor and
     Borrower under this Agreement shall be joint and several, and all
     references to Borrower shall mean each and every Borrower, and all
     references to Grantor shall mean each and every Grantor. This means that
     each of the (I) signing below is responsible for all obligations In this
     Agreement.

     Notices. All notices required to be given under this Agreement shall be
     given in writing, may be sent by telefacsimile (unless otherwise required
     by law), and shall be effective when actually delivered or (II) deposited
     with a nationally recognized overnight courier or (III) deposited in the
     United States mail, first class, postage prepaid, addressed to the party to
     whom the notice is to be given at the address shown above. Any party may
     change its address for notices under this Agreement by giving formal
     written notice to the other parties, specifying that the purpose of the
     notice is to change the party's address. To the extent permitted by
     applicable law, if there is more than one Grantor or Borrower, notice to
     any Grantor or Borrower will constitute notice to all Grantor and
     Borrowers. For notice purposes, Grantor and Borrower will keep Lender
     informed at all times of Grantor and Borrower's current address(es).

     Power of Attorney,(W) Grantor hereby appoints Lender as its true and lawful
     attorney-in-fact, irrevocably, with full power of substitution to do the

<PAGE>

12-12-2000                     COMMERCIAL SECURITY AGREEMENT              Page 5
Loan No 9001                            (Continued)
================================================================================

     following: (a) to demand, collect, receive, receipt for, sue and recover
     all sums of money or other property which may now or hereafter become due,
     owing or payable from the Collateral; (b) to execute, sign and endorse any
     and all claims, instruments, receipts, checks, drafts or warrants issued in
     payment for the Collateral; (c) to settle or compromise any and all claims
     arising under the Collateral, and, in the place and stead of Grantor, to
     execute and deliver its release and settlement for the claim; and (d) to
     file any claim or claims or to take any action or institute or take part in
     any proceedings, either in its own name or in the name of Grantor, or
     otherwise, which in the discretion of Lender may seem to be necessary or
     advisable. This power is given as security for the indebtedness, and the
     authority hereby conferred is and shall be irrevocable and shall remain in
     full force and effect (X) until renounced by Lender.

     Preference Payments. Any monies Lender pays because of an asserted
     preference claim in Borrower's bankruptcy will become a part of the
     Indebtedness and, at Lender's option, shall be payable by Borrower as
     provided above in the "EXPENDITURES BY LENDER" paragraph.

     Severability. If a court of competent jurisdiction finds any provision of
     this Agreement to be invalid or unenforceable as to any person or
     circumstance, such finding shall not render that provision invalid or
     unenforceable as to any other persons or circumstances. If feasible, any
     such offending provision shall be deemed to be modified to be within the
     limits of enforceability or validity: however, if the offending provision
     cannot be so modified, it shall be stricken and all other provisions of
     this Agreement in all other respects shall remain valid and enforceable.

     Successor Interests. Subject to the limitations set forth above on transfer
     of the Collateral, this Agreement shall be binding upon and inure to the
     benefit of the parties, their successors and assigns.

     Waiver. Lender shall not be deemed to have waived any rights under this
     Agreement unless such waiver is given in writing and signed by Lender. No
     delay or omission on the part of Lender in exercising any right shall
     operate as a waiver of such right or any other right. A waiver by Lender of
     a provision of this Agreement shall not prejudice or constitute a waiver of
     Lender's right otherwise to demand strict compliance with that provision or
     any other provision of this Agreement. No prior waiver by Lender, nor any
     course of dealing between Lender and Grantor, shall constitute a waiver of
     any of Lender's rights or of any of Grantor's obligations as to any future
     transactions. Whenever the consent of Lender is required under this
     Agreement, the granting of such consent by Lender in any instance shall not
     constitute continuing consent to subsequent instances where such consent is
     required and in all cases such consent may be granted or withheld in the
     sole discretion of Lender.

     Waiver of Co-obligor's Rights. If more than one person is obligated for the
     Indebtedness, Borrower irrevocably waives, disclaims and relinquishs all
     claims against such other person which Borrower has or would otherwise have
     by virtue of payment of the Indebtedness or any part thereof, specifically
     including but not limited to all rights of indemnity, contribution or
     exoneration.

RIDERS. All changes contained herein are included on the attached Exhibit "X".

BORROWER AND GRANTOR ACKNOWLEDGE HAVING READ ALL THE PROVISIONS OF THIS
COMMERCIAL SECURITY AGREEMENT, AND BORROWER AND GRANTOR AGREE TO ITS TERMS. THIS
AGREEMENT IS DATED DECEMBER 12,2000.

BORROWER:

Fresh Enterprises

By: /s/ Greg Dollarhyde
   ------------------------------------------
   Greg Dollarhyde, President & CEO

By: /s/ Donald Breen
   ------------------------------------------
   Donald Breen, Senior Vice President & CFO

Baja Fresh Westlake Village, Inc, dba Baja Fresh Mexican Grill, Co-Borrower

By: /s/ Greg Dollarhyde
   ------------------------------------------
   Greg Dollarhyde, President & CEO

By: /s/ Donald Breen
   ------------------------------------------
   Donald Breen, Senior Vice President & CFO

GRANTOR:

Fresh Enterprises Inc.

By: /s/ Greg Dollarhyde
   ------------------------------------------
   Greg Dollarhyde, President & CEO

By: /s/ Donald Breen
   ------------------------------------------
   Donald Breen, Senior Vice President & CFO

Baja Fresh Westlake Village, Inc, dba Baja Fresh Mexican Grill, Co-Borrower

By: /s/ Greg Dollarhyde
   ------------------------------------------
   Greg Dollarhyde, President & CEO

By:/s/ Donald Breen
   ------------------------------------------
   Donald Breen, Senior Vice President & CFO

Triune Corporation

By: /s/ Greg Dollarhyde
   ------------------------------------------
   Greg Dollarhyde, President & CEO

By: /s/ Donald Breen
   ------------------------------------------
   Donald Breen, Senior Vice President & CFO

================================================================================

<PAGE>

12-12-2000                     COMMERCIAL SECURITY AGREEMENT              Page 5
Loan No 9001                            (Continued)
================================================================================

     following: (a) to demand, collect, receive, receipt for, sue and recover
     all sums of money or other property which may now or hereafter become due,
     owing or payable from the Collateral; (b) to execute, sign and endorse any
     and all claims, instruments, receipts, checks, drafts or warrants issued in
     payment for the Collateral; (c) to settle or compromise any and all claims
     arising under the Collateral, and, in the place and stead of Grantor, to
     execute and deliver its release and settlement for the claim; and (d) to
     file any claim or claims or to take any action or institute or take part in
     any proceedings, either in its own name or in the name of Grantor, or
     otherwise, which in the discretion of Lender may seem to be necessary or
     advisable. This power is given as security for the indebtedness, and the
     authority hereby conferred is and shall be irrevocable and shall remain in
     full force and effect (X) until renounced by Lender.

     Preference Payments. Any monies Lender pays because of an asserted
     preference claim in Borrower's bankruptcy will become a part of the
     Indebtedness and, at Lender's option, shall be payable by Borrower as
     provided above in the "EXPENDITURES BY LENDER" paragraph.

     Severability. If a court of competent jurisdiction finds any provision of
     this Agreement to be invalid or unenforceable as to any person or
     circumstance, such finding shall not render that provision invalid or
     unenforceable as to any other persons or circumstances. If feasible, any
     such offending provision shall be deemed to be modified to be within the
     limits of enforceability or validity: however, if the offending provision
     cannot be so modified, it shall be stricken and all other provisions of
     this Agreement in all other respects shall remain valid and enforceable.

     Successor Interests. Subject to the limitations set forth above on transfer
     of the Collateral, this Agreement shall be binding upon and inure to the
     benefit of the parties, their successors and assigns.

     Waiver. Lender shall not be deemed to have waived any rights under this
     Agreement unless such waiver is given in writing and signed by Lender. No
     delay or omission on the part of Lender in exercising any right shall
     operate as a waiver of such right or any other right. A waiver by Lender of
     a provision of this Agreement shall not prejudice or constitute a waiver of
     Lender's right otherwise to demand strict compliance with that provision or
     any other provision of this Agreement. No prior waiver by Lender, nor any
     course of dealing between Lender and Grantor, shall constitute a waiver of
     any of Lender's rights or of any of Grantor's obligations as to any future
     transactions. Whenever the consent of Lender is required under this
     Agreement, the granting of such consent by Lender in any instance shall not
     constitute continuing consent to subsequent instances where such consent is
     required and in all cases such consent may be granted or withheld in the
     sole discretion of Lender.

     Waiver of Co-obligor's Rights. If more than one person is obligated for the
     Indebtedness, Borrower irrevocably waives, disclaims and relinquishs all
     claims against such other person which Borrower has or would otherwise have
     by virtue of payment of the Indebtedness or any part thereof, specifically
     including but not limited to all rights of indemnity, contribution or
     exoneration.

RIDERS. All changes contained herein are included on the attached Exhibit "X".

BORROWER AND GRANTOR ACKNOWLEDGE HAVING READ ALL THE PROVISIONS OF THIS
COMMERCIAL SECURITY AGREEMENT, AND BORROWER AND GRANTOR AGREE TO ITS TERMS. THIS
AGREEMENT IS DATED DECEMBER 12,2000.

BORROWER:

Fresh Enterprises

By: /s/ Greg Dollarhyde
    ------------------------------------------
    Greg Dollarhyde, President & CEO

By: /s/ Donald Breen
    ------------------------------------------
    Donald Breen, Senior Vice President & CFO

Baja Fresh Westlake Village, Inc, dba Baja Fresh Mexican Grill, Co-Borrower

By: /s/ Greg Dollarhyde
    ------------------------------------------
    Greg Dollarhyde, President & CEO

By: /s/ Donald Breen
    ------------------------------------------
    Donald Breen, Senior Vice President & CFO

GRANTOR:

Fresh Enterprises Inc.

By: /s/ Greg Dollarhyde
    ------------------------------------------
    Greg Dollarhyde, President & CEO

By: /s/ Donald Breen
    ------------------------------------------
    Donald Breen, Senior Vice President & CFO

Baja Fresh Westlake Village, Inc, dba Baja Fresh Mexican Grill, Co-Borrower

By: /s/ Greg Dollarhyde
    ------------------------------------------
    Greg Dollarhyde, President & CEO

By: /s/ Donald Breen
    ------------------------------------------
    Donald Breen, Senior Vice President & CFO

Triune Corporation

By: /s/ Greg Dollarhyde
    ------------------------------------------
    Greg Dollarhyde, President & CEO

By: /s/ Donald Breen
    ------------------------------------------
    Donald Breen, Senior Vice President & CFO

================================================================================

<PAGE>

                                  EXHIBIT "A"
         to UCC-1 Financing Statement and Commercial Security Agreement

Debtor/Grantor: Fresh Enterprises, Inc., Baja Fresh Westlake Village, Inc. dba
Baja Fresh Mexican Grill and Triune Corporation.

Secured Party: Western Financial Bank

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------
                                                                                                  Filing    Registration
                Trademark or Service Mark                        Serial No.   Registration No.     Date         Date
------------------------------------------------------------------------------------------------------------------------
<S>                                                               <C>             <C>            <C>          <C>
It's About Flavor... It's About Fresh... It's About Time          75844358        2401977        11/09/99     11/07/00
----------------------------------------------------------------- ------------------------------------------------------
Baja Fresh Express                                                75385352        2352381        11/05/97      5/23/00
----------------------------------------------------------------- ------------------------------------------------------
A Taste So Fresh It's In Our Name                                 75397046        2344004        11/28/97      4/18/00
----------------------------------------------------------------- ------------------------------------------------------
Baja Fresh                                                        75415513        2301436         1/08/98     12/21/99
----------------------------------------------------------------- ------------------------------------------------------
No Microwaves, No Can Openers, No Freezers, No Lard, No M.S.G.    75422039        2240563         1/23/98      4/20/99
----------------------------------------------------------------- ------------------------------------------------------
Burritos Dos Manos                                                75054178        2108266         2/06/96     10/28/97
----------------------------------------------------------------- ------------------------------------------------------
Enchilido                                                         75054197        2074654         2/06/96      6/24/97
----------------------------------------------------------------- ------------------------------------------------------
Burrito Ultimo                                                    75088838        2161073         4/16/96      5/26/98
----------------------------------------------------------------- ------------------------------------------------------
Baja Enselada                                                     75088839        2106453         4/16/96     10/21/97
----------------------------------------------------------------- ------------------------------------------------------
Baja Fresh Food Cannot Be Made At Microwave Speed                 74183283        1746589         7/08/91      1/12/93
----------------------------------------------------------------- ------------------------------------------------------
Baja Fresh                                                        74183164        1716822         7/08/91      9/15/92
----------------------------------------------------------------- ------------------------------------------------------
</TABLE>

<PAGE>

                                  EXHIBIT "B"
         to UCC-1 Financing Statement and Commercial Security Agreement

Debtor/Grantor: Fresh Enterprises, Inc., Baja Fresh Westlake Village, Inc. dba
Baja Fresh Mexican Grill and Triune Corporation

Secured Party: Western Financial Bank

The Collateral shall include all right, title, and interest of Borrower in and
to the following:

(a)  All goods and equipment now owned or hereafter acquired, including, without
     limitation, all machinery, fixtures, vehicles (including motor vehicles and
     trailers), and any interest in any of the foregoing, and all attachments,
     accessories, accessions, replacements, substitutions, additions, and
     improvements to any of the foregoing, wherever located:

(b)  All inventory, now owned or hereafter acquired, including, without
     limitation, all merchandise, raw materials, parts, supplies, packing and
     shipping materials, work in process and finished products including such
     inventory as is temporarily out of Borrower's custody or possession or in
     transit and including any returns upon any accounts or other proceeds,
     including insurance proceeds, resulting from the sale or disposition of any
     of the foregoing and any documents of title representing any of the above,
     and Borrower's Books relating to any of the foregoing;

(c)  All contract rights and general intangibles now owned or hereafter
     acquired, including without limitation, goodwill, trademarks, servicemarks,
     trade styles, trade names, patents, patent applications, leases, license
     agreements, franchise agreements, blueprints, drawings, purchase orders,
     customer lists, route lists, infringements, claims, computer programs,
     computer discs, computer tapes, literature, reports, catalogs, design
     rights, income tax refunds, payments of insurance and rights to payment of
     any kind;

(d)  All now or existing and hereafter arising accounts, contract rights,
     royalties, license rights and all other forms or obligations owing to
     Borrower arising out of the sale or lease of goods, the licensing of
     technology or the rendering of services by Borrower, whether or not earned
     by performance, and any and all credit insurance, guaranties, and other
     security therefor, as well as merchandise returned to or reclaimed by
     Borrower and Borrower's Books relating to any of the foregoing;

(e)  All documents, cash, deposit accounts, securities, letters of credit,
     certificates of deposit, instruments and chattel paper now owned or
     hereafter acquired and Borrower's Books relating to the foregoing;

(f)  All copyright rights, copyright applications, copyright registrations and
     like protections in each work of authorship and derivative work thereof,
     whether published or unpublished, now owned or hereafter acquired; all
     trade secret rights, including all rights to unpatented inventions,
     know-how, operating manuals and confidential information, now owned or
     hereafter acquired; all claims for damages by way of any past, present and
     future infringement of any of the foregoing; and

(g)  Any and all claims, rights and interests in any of the above and all
     substitutions for, additions and accessions to and proceeds thereof.

<PAGE>

                                  EXHIBIT "X"

Riders to Commercial Security Agreement by and between Fresh Enterprises, Inc.
and Baja Fresh Westlake Village, Inc., dba Baja Fresh Mexican Grill
(individually and collectively "Borrower", and Western Financial Bank ("Lender")

Rider (A):
---------

shall have the meaning set forth in the Business Loan Agreement dated as
of December 12, 2000 between Borrower and Lender (the "Loan Agreement"),

Rider (B):
---------

so long as any amount may be drawn or is outstanding under the Notes

Rider (C):
---------

material

Rider (D):
---------

and except for other Collateral which has an aggregate value of not more than
$3,000,000.00,

Rider (E):
---------

"Permitted Liens" (as defined in the Business Loan Agreement) and

Rider (F):
---------

So long as no Event of Default has occurred and is continuing, all proceeds from
any disposition of Collateral by a Grantor shall be retained by such Grantor use
in the Grantor's business; provided that, notwithstanding the foregoing, any
such proceeds in excess of $1,000,000.00 shall, unless waived by Lender, be held
in trust for Lender and shall not be commingled with any other funds; and
provided further, however, that such requirement shall not constitute consent by
Lender to any sale or other disposition. Upon receipt of any amounts in excess
of $1,000,000.00, Grantor shall immediately deliver any such proceeds to Lender.

Rider (G):
---------

[intentionally omitted]

Rider (H):
---------

and other Permitted Liens

Rider (I):
---------

reasonably

                                       1

<PAGE>

                                  EXHIBIT "X"

Riders to Commercial Security Agreement by and between Fresh Enterprises, Inc.
and Baja Fresh Westlake Village, Inc., dba Baja Fresh Mexican Grill
(individually and collectively "Borrower"), and Western Financial Bank
("Lender")

Rider (J):
---------

any material part of

Rider (K):
---------

upon reasonable notice

Rider (L):
---------

material part of the

Rider (M):
---------

material

Rider (N):
---------

reasonable

Rider (O):
---------

a Permitted Lien or is not

Rider (P):
---------

and in all material respects

Rider (Q):
---------

any material part of

Rider (R):
---------

in excess of $100,000

Rider (RR):
----------

upon the occurrence and during the continuance of an Event of Default,

Rider (S):
---------

after the occurrence and during the continuance of an

                                       2

<PAGE>

                                  EXHIBIT "X"

Riders to Commercial Security Agreement by and between Fresh Enterprises, Inc.
and Baja Fresh Westlake Village, Inc., dba Baja Fresh Mexican Grill
(individually and collectively "Borrower"), and Western Financial Bank
("Lender")

Rider SS:
---------

Events of Default as defined in the Business Loan Agreement dates as of December
12, 2000 between Borrower and Lender (the "Loan Agreement"),shall constitute an
Event of Default under this Agreement.

Rider (SSS):
-----------

and so long as the Event of Default still exists

Rider (T):
---------

Borrowers

Rider (U):
---------

on (1) business day after being

Rider (V):
---------

five (5) days after being

Rider (W):
---------

Upon the occurrence and during the continuance of an Event Default,

Rider (X):
---------

during the continuance of an Event of Default

BORROWER:

Fresh Enterprises, Inc.

By:/s/ Greg Dollarhyde
   --------------------------------
   Greg Dollarhyde, President & CEO

By:/s/ Donald Breen
   -----------------------------------------
   Donald Breen, Senior Vice President & CFO

                                       3

<PAGE>

                                  EXHIBIT "X"

Riders to Commercial Security Agreement by and between Fresh Enterprises, Inc.
and Baja Fresh Westlake Village, Inc., dba Baja Fresh Mexican Grill
(individually and collectively "Borrower"), and Western Financial Bank
("Lender")

Baja Fresh Westlake Village Inc., dba Baja Fresh Mexican Grill

By:/s/ Greg Dollarhyde
   --------------------------------
   Greg Dollarhyde, President & CEO

By:/s/ Donald Breen
   -----------------------------------------
   Donald Breen, Senior Vice President & CFO

GRANTOR:

Fresh Enterprise Inc.,

By:/s/ Greg Dollarhyde
   --------------------------------
   Greg Dollarhyde, President & CEO

By:/s/ Donald Breen
   -----------------------------------------
   Donald Breen, Senior Vice President & CFO

Baja Fresh Westlake Village Inc., dba Baja Fresh Mexican Grill

By:/s/ Greg Dollarhyde
   --------------------------------
   Greg Dollarhyde, President & CEO

By:/s/ Donald Breen
   -----------------------------------------
   Donald Breen, Senior Vice President & CFO

                                       4

<PAGE>

                                  EXHIBIT "X"

Riders to Commercial Security Agreement by and between Fresh Enterprises, Inc.
and Baja Fresh Westlake Village, Inc., dba Baja Fresh Mexican Grill
(individually and collectively "Borrower"), and Western Financial Bank
("Lender")

Triune Corporation

By:/s/ Greg Dollarhyde
   --------------------------------
   Greg Dollarhyde, President & CEO

By:/s/ Donald Breen
   -----------------------------------------
   Donald Breen, Senior Vice President & CFO

LENDER:

Western Financial Bank

By:/s/ Richard Wagner
   -------------------------------
   Authorized Officer

                                       5

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