Document:

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EXHIBIT 10.6

                       SECURED LOAN AND SECURITY AGREEMENT

         This secured loan and security agreement (the "AGREEMENT"), made this
6th day of February, 2002, by and between TANGIBLE ASSET GALLERIES, INC., a
Nevada corporation ("TANGIBLE"), and Wes English, an individual residing at 61
Eagleridge Place, Danville, California 94506 (the "LENDER").

                                   WITNESSETH:

         In security for and in consideration of Lender entering into a secured
promissory note dated February 4, 2002, between Lender and Tangible, whereby
Lender has agreed to lend to Tangible the sum of TWO HUNDRED NINE THOUSAND AND
NO/100 DOLLARS ($209,000.00) (the amount hereinafter referred to as the "LOAN
AMOUNT" and the note hereinafter referred to as the "TANGIBLE SECURED PROMISSORY
NOTE").

         AND ALSO to secure the payment by Tangible to the Lender of any and all
sums due and owing the Lender by Tangible under the Tangible Secured Promissory
Note, Tangible hereby grants to the Lender, its successors and assigns, a
security interest as that term is defined in the California Commercial Code in
and to all inventory of Tangible designated as art or art objects, but not
coins, together with all substitutions therefor and additions and accessions
thereto, together with all proceeds of such property and all other similar
property Tangible has or shall hereafter acquire an interest in (collectively
referred to herein as the "COLLATERAL");

         TO HAVE AND TO HOLD the Collateral unto the Lender, its successors and
permitted assigns, absolutely;

         PROVIDED, HOWEVER, that if Tangible shall discharge any and all
obligations that are now or may hereafter be or become owing by Tangible to the
Lender on account of default under the Tangible Secured Promissory Note
aforesaid, of which obligations the books of the Lender shall be prima facie
evidence, and which obligations it is agreed by these presents are and shall be
secured as a charge against the Collateral hereby encumbered, and shall observe
and perform all of the covenants and agreements herein contained, THEN THESE
PRESENTS SHALL BE VOID;

         BUT UPON FAILURE to pay said sums or interest due under said Tangible
Secured Promissory Note when due then the Lender may exercise all remedies
provided to Lender under the provisions of this Agreement.

         Tangible HEREBY REPRESENTS, COVENANTS AND AGREES WITH LENDER AS
FOLLOWS:

         1. BUSINESS USE. Tangible represents and agrees that the primary use of
the Collateral is and will be business use.

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         2. MAINTENANCE OF GOOD TITLE. Tangible warrants that Tangible is the
owner of and lawfully possess the Collateral, and that, other than the interest
of the preferred shareholders, the interest of KSH Investment Fund, LLP and the
subordinated interest of Silvano DiGenova, no financing statement or any other
lien or encumbrance covering any of the Collateral, or any of the proceeds
thereof, is on file in Nevada or California or otherwise outstanding. Tangible
hereby covenants and agrees that it will from time to time, on request by the
Lender, execute and deliver such financing statement and other documents deemed
necessary by the Lender to perfect the security interest of the Lender and to
preserve, protect and enforce that security interest, and pay the cost of filing
or recording the same. Tangible further covenants and agrees that Tangible will
maintain, subject to the above named exclusions, the valid security interest of
the Lender in the Collateral free of all liens, claims, and encumbrances that
may be, or are threatened to be, made prior to said security interest. Tangible
will not create nor permit the existence of any lien or security interest other
than that created hereby on the Collateral without the written consent of
Lender.

         3. INDEMNIFICATION OF LENDER. Tangible covenants and agrees to defend
all or any part of the Collateral against all claims and demands of all persons
at any time claiming the same or any interest therein adverse to the Lender, and
Tangible shall fully indemnify the Lender for all loss and expense suffered or
incurred by the Lender as a result of any such claim or demand.

         4. TAXES, ASSESSMENTS, ETC.; NO REMOVAL OR TRANSFER OF COLLATERAL.
Tangible will pay and discharge all taxes, rates, assessments, duties, and
charges which are now or may hereafter be levied or assessed, or become or
threaten to become a charge upon or against, or relate to the Collateral, or the
debts or interest, the payment of which is hereby secured; Tangible will not use
the Collateral illegally or improperly, and shall not, without the written
consent of the Lender, remove the Collateral from the state wherein the same is
now located, and shall not sell, assign, transfer, lease, mortgage, or
hypothecate the Collateral, or any interest therein, without the written consent
of the Lender; Tangible agrees that all additions to, accessions to, renewals
and replacements of, or substitutions for the Collateral, as well as proceeds
from the sale of the Collateral are covered in this Agreement or in any
financing statement or other document executed in connection herewith and such
inclusion shall not be construed as giving authority to Tangible to sell or
otherwise dispose of the Collateral except as provided herein.

         5. CARE OF PROPERTY. Tangible agrees: not to misuse, waste, injure,
destroy, conceal, encumber or in any way dispose of the Collateral or use it
unlawfully or for hire or contrary to the provisions of any insurance coverage,
or allow any tax lien against it to become delinquent; to keep the Collateral
free from all liens for storage, labor and materials; to maintain the Collateral
in good repair and to be responsible for any loss or damage to it; to register
the Collateral in accordance with law if necessary.

         6. INSURANCE. Tangible agrees at its own expense to insure the
Collateral against loss, damage, theft (and such other risks as the Lender may
require) to the full insurable value thereof with insurance companies and under
policies and in form satisfactory to the Lender. All policies of insurance shall
have endorsed thereon the Lender's standard loss payable clause

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and/or such other endorsement as the Lender may from time to time request and
said policies shall provide for at least ten (10) days written notice of
cancellation to the Lender. Upon request, policies or certificates attesting the
coverage, as set forth herein, shall be deposited with the Lender. The Lender
shall have full power to collect any and all insurance upon the Collateral and
to apply the same at its option to any obligation secured hereby, whether or not
matured, or to the restoration or repair of the property. The Lender shall have
no liability whatsoever for any loss that may occur by reason of the omission or
lack of coverage of any such insurance. Should the Collateral suffer any loss,
damage, or injury from any cause whatsoever, whether or not the same is covered
by insurance, such loss, damage, or injury shall be borne by Tangible and shall
not relieve them from any obligation herewith. Tangible agrees to save the
Lender harmless from any and all liabilities, including all costs by the
ownership, possession or use of the Collateral.

         7. RIGHT TO INSPECT. The Lender may examine and inspect the Collateral
or any portion thereof wherever located, at any reasonable time or times.

         8. RIGHT TO PROTECT COLLATERAL. The Lender may, but is not required to,
at its option, pay any tax, assessment, insurance premium, expense, repair or
other charges payable by Tangible, and any filing or recording fees, and any
amount so paid, with interest thereon at the maximum rate permitted by law from
date of payment until repaid shall be secured hereby and shall be repayable by
Tangible on demand. The rights granted by this paragraph are not a waiver of any
other rights of the Lender arising from breach of any of the covenants hereof by
Tangible.

         9. DEFAULT. Time is of the essence in this Agreement, and Tangible
shall be in default hereunder upon the occurrence of the following events
("EVENTS OF DEFAULT") to wit:

                  (a) Any failure to pay when due the full amount of any payment
         of principal, interest, taxes, insurance premiums or other charges as
         specified in the indebtedness referenced hereby;

                  (b) Any failure to perform as required by any covenant or
         agreement herein;

                  (c) The falsity of any representation made by Tangible herein
         or in the Tangible Secured Promissory Note;

                  (d) If the Collateral should be seized or levied upon under
         any legal governmental process against Tangible or against the
         Collateral;

                  (e) If Tangible becomes the subject of a petition in
         bankruptcy, either voluntary or involuntary, or in any other proceeding
         under the federal bankruptcy laws; or makes an assignment for the
         benefit of creditors; or if Tangible is named in or the Collateral is
         subjected to a suit for the appointment of a receiver;

                  (f) Loss, substantial damage to, or destruction of any
         material portion of the Collateral;

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                  (g) Merger or consolidation (where Tangible is not the
         surviving entity), dissolution or transfer of a substantial part of the
         Collateral of Tangible;

                  (h) The assignment by Tangible of any equity in any of the
         Collateral covered hereby without the written consent of the Lender;

                  (i) The Collateral is lost, stolen or materially damaged; or

                  (j) A change in the name of Tangible or its state of
         incorporation without the consent of Lender.

         10. REMEDIES. Lender shall give notice to Tangible upon the occurrence
of an Event of Default in Section 9 (b), (c), (d), (e), (f), or (i) hereunder
with the opportunity to cure such default within five (5) business days. If,
after the expiration of such notice period, or upon the occurrence of an Event
of Default in Section 9 (a), (g), (h) or (j) and at any time thereafter, the
Lender shall have the remedies of a Lender under the California Commercial Code
or other applicable law, and without limiting the generality of the foregoing,
the Lender shall be entitled as follows:

                  (a) The Lender is authorized to enter any premises where the
         Collateral is situated and take possession of said Collateral without
         notice or demand and without legal proceedings; and

                  (b) Tangible agrees to put the Lender in possession of the
         Collateral on demand; and

                  (c) At the request of the Lender, Tangible will assemble the
         Collateral and make it available to the Lender at a place designated by
         the Lender which is reasonably convenient to both parties; and

                  (d) The Lender may sell, lease or otherwise dispose of the
         Collateral in a commercially reasonable manner and in accordance with
         law. Tangible agrees that a period of ten (10) days from the time
         notice is sent, by first class mail or otherwise, shall be a reasonable
         period of notification for a sale or other disposition of the
         Collateral. Tangible agrees that any notice or other communication by
         the Lender to Tangible shall be sent to the mailing address of Tangible
         stated herein. Tangible agrees to pay on demand the amount of all
         expenses reasonably incurred by the Lender in protecting or realizing
         on the Collateral. In the event that this Agreement or any obligations
         secured by it is referred to any attorney for protecting or defending
         the priority of the Lender's interest or for collection or realization
         procedures, Tangible agrees to pay a reasonable attorney's fee,
         including fees incurred in both trial and appellate courts, or fees
         incurred without suit, and expenses of the search and all costs and
         costs of public officials. The sums agreed to be paid in this
         subparagraph shall be secured hereby; and

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                       (e) If the Lender disposes of the Collateral, Tangible
              agrees to pay any deficiency remaining after application of the
              net proceeds to any indebtedness secured hereby;

                       (f) The Lender shall have the right immediately and
              without further action by it, to set off against the liabilities
              of Tangible, all money owed by the Lender in any capacity to
              Tangible, whether or not due, and the Lender shall be deemed to
              have exercised such right of setoff and to have made a charge
              against any such money immediately upon occurrence of such default
              even though such charge is made or entered on the books of the
              Lender subsequent thereto; and

         11. REMEDIES ARE CUMULATIVE; NO WAIVER. The Lender shall have the right
to enforce one or more remedies hereunder or any other remedy it may have,
successively or concurrently, and such action shall not operate to estop or
prevent the Lender from pursuing any further remedy that it may have hereunder;
no waiver by the Lender of any breach or default of or by Tangible shall be
deemed to alter or affect the Lender's rights hereunder with respect to any
prior or subsequent default.

         12. TANGIBLE TO PAY ORIGINATION FEE LENDER'S LITIGATION COSTS. Upon
closing of the Tangible Secured Promissory Note, Tangible shall pay the Lender a
fee of three and one half percent (3.5%) of the Loan Amount. If any legal action
or other proceeding is brought for the enforcement of this Agreement, or because
of an alleged dispute, breach, default, or misrepresentation in connection with
any of the provisions of this Agreement, the successful or prevailing party or
parties shall be entitled to recover reasonable attorneys' fees and other costs
incurred in that action or proceeding, in addition to any other relief to which
it or they may be entitled.

         13. GENERAL. This Agreement may not be altered or amended except by a
writing signed by Tangible, accepted by the Lender and attached hereto. Any
provisions found to be invalid shall not invalidate the remainder hereof. Waiver
of any default shall not constitute a waiver of any subsequent default. This
instrument is to be governed by the laws of the State of California. The Lender
shall have the right to date this instrument and fill in any blanks to correct
patent errors. All words used herein shall be construed to be of such gender and
number as the circumstances require and all references to Tangible shall include
all other persons or secondarily liable thereunder. This instrument shall be
binding upon the successors and assigns of Tangible and shall inure to the
benefit of the Lender, and its successors and assigns.

                           [signatures on next page]

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         IN WITNESS WHEREOF, a duly authorized officer of Tangible has caused
this Agreement to be executed as of the day and year first above written.

                                        TANGIBLE ASSET GALLERIES, INC., a Nevada
                                        corporation

                                        By: /s/ Silvano DiGenova
                                            ----------------------------------
                                            Name:
                                            Title:<PAGE>
EXHIBIT 10.7

                                    GUARANTY

         THIS GUARANTY ("GUARANTY") is made as of February 6, 2002, by Silvano
DiGenova ("GUARANTOR") in favor of Wes English, an individual residing at 61
Eagleridge Place, Danville, California 94506 ("CREDITOR" or "LENDER") with
reference to the following facts, which are a material part to of this Guaranty:

                                    RECITALS:

         A. Creditor is unwilling to make a loan to Tangible Asset Galleries,
Inc. ("DEBTOR") in the amount of TWO HUNDRED NINE THOUSAND AND NO/100 DOLLARS
($209,000.00) without this Guaranty;

         B. Pursuant to that certain Secured Promissory Note of even date
("NOTE"), the Debtor has agreed to repay the financed amount of TWO HUNDRED NINE
THOUSAND AND NO/100 DOLLARS ($209,000.00) pursuant to the terms and conditions
set forth in the Note.

         THEREFORE, in consideration of the foregoing and in order to induce
Creditor to make a loan under the Note, and for other good and valuable
consideration, the receipt and sufficiency of which Guarantor acknowledges,
Guarantor hereby represents, warrants, covenants, agrees and guarantees as
follows:

         1. GUARANTY OF PAYMENT. Guarantor irrevocably and unconditionally
guarantees and promises to pay to Lender, on order, on demand in lawful money of
the United States of America, any and all Guaranteed Obligations when notified
in accordance with the terms hereof that Debtor is are in default of any
agreements or obligations to Creditor and have not made timely payment to
Creditor of any amounts due Creditor under the Guaranteed Obligations. As used
in this Guaranty, "Guaranteed Obligations" means any and all existing and future
monetary obligations and liabilities of Debtor to Creditor arising under or
related to the Note now due or to become due, matured or unmatured, liquidated
or unliquidated, contingent or noncontingent. Guaranteed Obligations include,
without limitation, (i) the Guaranteed Obligations evidenced by the Note; and
(ii) any and all interest that accrues on all or part of such Guaranteed
Obligations, which interest shall accrue against Guarantor in accordance with
the terms of the Guaranteed Obligations notwithstanding the filing of any
petition in bankruptcy by or against Debtor. This Guaranty constitutes a
guaranty of payment and not of collection and the obligations of Guarantor under
this Guaranty are direct and primary.

         2. INDEPENDENT OBLIGATIONS. Guarantor's obligations under this Guaranty
are independent of the obligations of Debtor, any other guarantor or any other
person, and Creditor may enforce any of its rights under this Guaranty
independently of any other right or remedy that Creditor may have for any
Guaranteed Obligations or any security or other guaranty for any Guaranteed
Obligations. Without limiting the generality of the foregoing, Creditor may
bring a separate action against Guarantor without first proceeding against
Debtor, any other guarantor or

GUARANTEE - 1

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any other person, or any security held by Creditor, and regardless of whether
Debtor or any other guarantor or any other person is joined in any such action.
Creditor's rights under this Guaranty shall not be exhausted by any action taken
by Creditor until all of the Guaranteed Obligations have been fully paid and
performed. Guarantor shall remain liable for the Guaranteed Obligations even if
any portion of them becomes uncollectible by operation of law, unless a court of
law determines such amounts are not fully earned. If Creditor is required to
restore or return any amount at any time paid for any Guaranteed Obligations
upon the Bankruptcy, insolvency or reorganization of Debtor, any other guarantor
or any other person, or otherwise, the liability of Guarantor under this
Guaranty shall be reinstated and revived, and the rights of Creditor shall
continue, with respect to such amounts, all as though such amount had not been
paid.

         3. RELATIONSHIP OF PARTIES. Guarantor represents and warrants to
Creditor that: (a) Guarantor has received copies of the Note and is familiar
with and fully understands all of their terms and conditions; (b) Creditor has
not made any representations or warranties to Guarantor regarding the
creditworthiness of Debtor or the prospects of repayment from sources other than
Debtor; (c) this Guaranty is executed at the request of Debtor; (d) Guarantor
has established adequate means of obtaining from Debtor on a continuing basis
financial and other information pertaining to the business of Debtor; and (e)
Guarantor assumes full responsibility for keeping fully informed with respect to
the ownership, business, operation, condition and assets of Debtor. Guarantor
agrees that Creditor shall have no duty to disclose or report to Guarantor any
information now or hereafter known to Creditor relating to the ownership,
business, operation, condition or assets of Debtor.

         4. REPRESENTATIONS AND WARRANTIES. Guarantor represents and warrants to
Creditor that:

                  4.1 AUTHORITY OF GUARANTOR. Guarantor has all requisite power
and authority to conduct its business, manage its affairs, and to own and lease
its properties.

                  4.2 EXECUTION, DELIVERY AND PERFORMANCE OF GUARANTY. Guarantor
has all requisite power and authority to execute and deliver this Guaranty, and
perform the Guaranteed Obligations. The execution and delivery of this Guaranty,
and performance by Guarantor of the Guaranteed Obligations have been duly
authorized by all necessary action and do not and will not:

                           (a) result in or require the creation or imposition
of any lien, right of others, or other encumbrance of any nature (other than
under this Guaranty and any related security documents) upon any property now or
in the future owned or leased by Guarantor;

                           (b) violate any provision of any law, regulation,
judgment, decree or award having applicability to Guarantor;

GUARANTEE - 2

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                  (c) result in a breach of, constitute a default under, or
cause or permit the acceleration of any obligation owed under, any indenture,
loan agreement, lease, or any other agreement or instrument, to which Guarantor
is a party or by which Guarantor or any of its property is bound or affected;

                  (d) require any consent or approval not already obtained of
any person having any interest in Guarantor; or

                  (e) violate any provision of, or require any consent under,
any partnership agreement, articles of incorporation, by-laws or any other
governing document or charter applicable to Guarantor or to any general partner
of Guarantor.

                  4.3 ENFORCEABILITY. This Guaranty, when executed and
delivered, shall constitute the valid and binding obligation of Guarantor,
enforceable in accordance with its terms, except as the enforcement hereof may
be limited by Bankruptcy, insolvency, reorganization or similar laws affecting
the enforcement of creditors' rights generally and subject to the availability
of equitable remedies.

         5. REASONABLENESS AND EFFECT OF WAIVERS. Guarantor warrants and agrees
that each of the waivers set forth in this Guaranty is made with full knowledge
of its significance and consequences and that, under the circumstances, the
waivers are reasonable and not contrary to public policy or law. If any of such
waivers is determined to be contrary to any applicable law or public policy,
such waiver shall be effective only to the maximum extent permitted by law.

         6. CUMULATIVE REMEDIES; NO WAIVER. The rights, powers and remedies of
Creditor under this Guaranty are cumulative and not exclusive of any other
right, power or remedy which Creditor would otherwise have. No failure or delay
on the part of Creditor in exercising any such right, power or remedy may be, or
may be deemed to be, a waiver thereof; nor may any single or partial exercise of
any such right, power or remedy preclude any other or further exercise thereof
or the exercise of any other right, power or remedy under this Guaranty, the APA
or the Note.

         7. AMENDMENTS. This Guaranty constitutes the entire understanding and
agreement of the parties as to the matters set forth in this Guaranty. No
alteration of or amendment to this Guaranty shall be effective unless given in
writing and signed by the party or parties sought to be charged or bound by the
alteration or amendment. Any attempt to alter or amend in the absence of said
writing shall be considered void and of no effect.

         8. ATTORNEYS' FEES; EXPENSES. If any legal action or other proceeding
is brought for the enforcement of this Guaranty, or because of an alleged
dispute, breach, default, or misrepresentation in connection with any of the
provisions of this Guaranty, the successful or prevailing party or parties shall
be entitled to recover reasonable attorneys' fees and other costs incurred in
that action or proceeding, in addition to any other relief to which it or they
may be entitled.

GUARANTY - 3

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         9. CAPTION HEADINGS. Caption headings in this Guaranty are for
convenience purposes only and are not to be used to interpret or define the
provisions of this Guaranty.

         10. GOVERNING LAW. This Guaranty will be governed by, construed and
enforced in accordance with the laws of the State of California. This Guaranty
has been accepted by Creditor in the State of California.

         11. NOTICES. All notices, demands, approvals and other communications
provided for in this Guaranty shall be in writing and be delivered to the
appropriate party at its address as follows:

         If to Guarantor:

                  Silvano DiGenova
                  3444 Via Lido
                  Newport Beach, California
                  Facsimile: 949-566-9143

         If to Creditor:
                  Wes English
                  61 Eagleridge Place
                  Danville, California 94506

Addresses for notice may be changed from time to time by written notice to all
other parties. All communications shall be effective when actually received;
provided, however, that nonreceipt of any communication as the result of a
change of address of which the sending party was not notified or as the result
of a refusal to accept delivery shall be deemed receipt of such communication..

         12. BINDING AGREEMENT; ASSIGNMENT; AMENDMENT. This Guaranty and its
terms, covenants and conditions shall be binding upon and inure to the benefit
of Guarantor, Creditor and their respective successors and assigns, except that
Guarantor shall not be permitted to transfer, convey or assign this guaranty or
any right or obligation under it without the prior written consent of Creditor
(and any attempt to do so shall be void). Such consent may be withheld in the
sole and absolute discretion of Creditor. Creditor may assign or otherwise
transfer all or part of its interest under this guaranty.

         IN WITNESS WHEREOF, Guarantor has caused this Guaranty to be duly
executed as of the date first written above.

                                        SILVANO DIGENOVA, an individual

                                        /s/ Silvano DiGenova
                                        ---------------------------------

GUARANTY - 4

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