Document:

EXHIBIT 10.4

                                    AMENDMENT

                                       TO

                          VOLUNTARY SURRENDER AGREEMENT

     THIS AMENDMENT to Voluntary Surrender Agreement ("Amendment") made and
entered into this 17th day of March, 2001, by and between K-Tel International
(USA), Inc. ("K-Tel USA") and K-5 Leisure Products, Inc. ("K-5").

                                    RECITALS:

     A. On March 12, 2001 K-Tel USA and K-5 entered into that certain Voluntary
Surrender Agreement calling for the surrender of Collateral under the K-5
Indebtedness and the Foothill Indebtedness ("Agreement").

     B. The parties desire to amend the Agreement by eliminating from the
Collateral to be transferred to K-5 certain assets of K-Tel USA.

     NOW, THEREFORE, in consideration of the above recitals as well as the
covenants and representations contained herein, and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, K-5
and K-Tel USA hereby agree to amend the Agreement as follows:

     1. The following property shall be excluded from the Collateral surrendered
and delivered to K-5 under the Agreement:

     Approximately 700,000 audio cassettes plus certain goods scheduled for
     destruction located in a semi-trailer and in bins located at the premises
     of K-Tel USA.

     2. Except as amended above, the Agreement shall remain in full force and
effect.

K-TEL INTERNATIONAL (USA), INC.                 K-5  LEISURE PRODUCTS, INC.

By   /s/ Dennis Ward                            By   /s/ Philip Kives
     ----------------                                ----------------------
     Dennis Ward                                     Philip Kives
Its  Chief Financial Officer                    Its: PresidentEXHIBIT 10(d)

                    TCF DIRECTORS DEFERRED COMPENSATION TRUST

      (a) This Agreement made effective as of the 1st day of October, 2000 by
and between TCF Financial Corporation ("TCF Financial") and any subsidiary
thereof whose directors are eligible for a plan listed in the Appendix (TCF
Financial and the subsidiaries are individually each referred to herein as the
"Company") and The First National Bank in Sioux Falls ("Trustee");

      (b) WHEREAS, Company has adopted the nonqualified deferred compensation
plan(s) as listed in the Appendix ( the "Plan").

      (c) WHEREAS, Company has incurred or expects to incur liability under the
terms of such Plan(s) with respect to the individuals participating in such
Plan(s).

      (d) WHEREAS, Company wishes to establish a trust (hereinafter called
"Trust") and to contribute to the Trust assets that shall be held therein,
subject to the claims of Company's creditors in the event of Company's
Insolvency, as herein defined, until paid to Plan participants and their
beneficiaries in such manner and at such times as specified in the Plan(s);

      (e) WHEREAS, it is the intention of the parties that this Trust shall
constitute an unfunded arrangement and shall not affect the status of the
Plan(s) as an unfunded plan maintained for the purpose of providing deferred
compensation for non-employee directors;

      (f) WHEREAS, it is the intention of Company to make contributions to the
Trust to provide itself with a source of funds to assist it in the meeting of
its liabilities under the Plan(s);

      NOW, THEREFORE, the parties do hereby establish the Trust and agree that
the Trust shall be comprised, held and disposed of as follows:

      Section 1.  ESTABLISHMENT OF TRUST

      (a) Company hereby deposits with Trustee in trust shares of common stock,
TCF Financial Corporation, par value $.01 per share ("TCF Stock"), which shall
become the principal of the Trust to be held, administered and disposed of by
Trustee as provided in this Trust Agreement.

      (b) The Trust shall become irrevocable upon approval by the Board of
Directors of TCF Financial.

      (c) The Trust is intended to be a grantor trust, of which Company is the
grantor, within the meaning of subpart E, part I, subchapter J, chapter 1,
subtitle A of the Internal Revenue Code of 1986, as amended, and shall be
construed accordingly.

      (d) The principal of the Trust, and any earnings thereon shall be held
separate and apart from other funds of Company and shall be used exclusively for
the uses and purposes of

<PAGE>

Plan participants and general creditors as herein set forth. Plan participants
and their beneficiaries shall have no preferred claim on, or any beneficial
ownership interest in, any assets of the Trust. Any rights created under the
Plan(s) and this Trust Agreement shall be mere unsecured contractual rights of
Plan participants and their beneficiaries against Company. Any assets held by
the Trust will be subject to the claims of Company's general creditors under
federal and state law in the event of Insolvency, as defined in Section 3(a)
herein.

      (e) Company, in its sole discretion, may at any time, or from time to
time, make additional deposits of cash or other property in trust with Trustee
to augment the principal to be held, administered and disposed of by Trustee as
provided in this Trust Agreement. Neither Trustee nor any Plan participant or
beneficiary shall have any right to compel such additional deposits.

      Section 2.  PAYMENTS TO PLAN PARTICIPANTS AND THEIR BENEFICIARIES.

      (a) Company shall deliver to Trustee a schedule (the "Payment Schedule")
that indicates the amounts payable in respect of each Plan participant (and his
or her beneficiaries), that provides a formula or other instructions acceptable
to Trustee for determining the amounts so payable, the form in which such amount
is to be paid (as provided for or available under the Plan(s)), and the time of
commencement for payment of such amounts. Except as otherwise provided herein,
Trustee shall make payments to the Plan participants and their beneficiaries in
accordance with such Payment Schedule. The Trustee shall make provision for the
reporting and withholding of any federal, state or local taxes that may be
required to be withheld with respect to the payment of benefits pursuant to the
terms of the Plan(s) and shall pay amounts withheld to the appropriate taxing
authorities or determine that such amounts have been reported, withheld and paid
by Company.

      (b) The entitlement of a Plan participant or his or her beneficiaries to
benefits under the Plan(s) shall be determined by Company or such party as it
shall designate under the Plan(s), and any claim for such benefits shall be
considered and reviewed under the procedures set out in the Plan(s).

      (c) Company may make payment of benefits directly to Plan participants or
their beneficiaries as they become due under the terms of the Plan(s). Company
shall notify Trustee of its decision to make payment of benefits directly prior
to the time amounts are payable to participants or their beneficiaries. In
addition, if the principal of the Trust, and any earnings thereon, are not
sufficient to make payments of benefits in accordance with the terms of the
Plan(s), Company shall make the balance of each such payment as it falls due.
Trustee shall notify Company where principal and earnings are not sufficient.

      Section 3. TRUSTEE RESPONSIBILITY REGARDING PAYMENTS TO TRUST BENEFICIARY
WHEN COMPANY IS INSOLVENT.

      (a) Trustee shall cease payment of benefits to Plan participants and their
beneficiaries if the Company is Insolvent. Company shall be considered
"Insolvent" for

                                       2
<PAGE>

purposes of this Trust Agreement if (i) Company is unable to pay its debts as
they become due, or (ii) Company is subject to a pending proceeding as a debtor
under the United States Bankruptcy Code, or (iii) Company is determined to be
insolvent by the Office of the Comptroller of the Currency the Federal Deposit
Insurance Corporation.

      (b) At all times during the continuance of this Trust, as provided in
Section 1(d) hereof, the principal and income of the Trust shall be subject to
claims of general creditors of Company under federal and state law as set forth
below.

      (1) The Board of Directors and the Chief Executive Officer of Company
shall have the duty to inform trustee in writing of Company's Insolvency. If a
person claiming to be a creditor of Company alleges in writing to Trustee that
Company has become Insolvent, Trustee shall determine whether Company is
Insolvent and, pending such determination, Trustee shall discontinue payment of
benefits to Plan participants or their beneficiaries.

      (2) Unless Trustee has actual knowledge of Company's Insolvency, or has
received notice from Company or a person claiming to be a creditor alleging that
Company is Insolvent, Trustee shall have no duty to inquire whether Company is
Insolvent. Trustee may in all events rely on such evidence concerning Company's
solvency as may be furnished to Trustee and that provides Trustee with a
reasonable basis for making a determination concerning Company's solvency.

      (3) If at any time Trustee has determined that Company is Insolvent,
Trustee shall discontinue payments to Plan participants or their beneficiaries
and shall hold the assets of the Trust for the benefit of Company's general
creditors. Nothing in this Trust Agreement shall in any way diminish any rights
as of Plan participants or their beneficiaries as general creditors of Company
with respect to benefits due under the Plan(s) or otherwise.

      (4) Trustee shall resume the payment of benefits to Plan participants or
their beneficiaries in accordance with Section 2 of this Trust Agreement only
after Trustee has determined that Company is not Insolvent (or is no longer
Insolvent).

      (c) Provided that there are sufficient assets, if Trustee discontinues the
payment of benefits from the Trust pursuant to Section 3(b) hereof and
subsequently resumes such payments, the first payment following such
discontinuance shall include the aggregate amount of all payments due to Plan
participants or their beneficiaries under the terms of the Plan(s) for the
period of such discontinuance, less the aggregate amount of any payments made to
Plan participants or their beneficiaries by Company in lieu of the payments
provided for hereunder during any such period of discontinuance.

      Section 4.  PAYMENTS TO COMPANY.

      Except as provided in Section 3 hereof, after the Trust has become
irrevocable, Company shall have no right or power to direct Trustee to return to
Company or to divert to others any of the Trust assets before all payment of
benefits have been made to Plan participants and their beneficiaries pursuant to
the terms of the Plan(s).

                                       3
<PAGE>

      Section 5.  INVESTMENT AUTHORITY.

      (a) Trustee may invest in securities (including stock or rights to acquire
stock) or obligations issued by Company. All rights associated with assets of
the Trust shall be exercised by Trustee or the person designated by Trustee, and
shall in no event be exercisable by or rest with Plan participants except that
voting rights with respect to Trust assets will be exercised by TCF Financial.
Company shall have the right at anytime, and from time to time in its sole
discretion, to substitute assets of equal fair market value for any asset held
by the Trust. This right is exercisable by Company in a nonfiduciary capacity
without the approval or consent of any person in a fiduciary capacity.

      Section 6.  DISPOSITION OF INCOME.

      (a) During the term of this Trust, all income received by the Trust, net
of expenses and taxes, shall be accumulated and reinvested.

      Section 7. ACCOUNTING BY TRUSTEE.

      Trustee shall keep accurate and detailed records of all investments,
receipts, disbursements, and all other transactions required to be made,
including such specific records as shall be agreed upon in writing between
Company and Trustee. Within 90 days following the close of each calendar year
and within 30 days after the removal or resignation of Trustee, Trustee shall
deliver to Company a written account of its administration of the Trust during
such year or during the period from the close of the last preceding year to the
date of such removal or resignation, setting forth all investments, receipts,
disbursements, and other transactions effected by it, including a description of
all securities and investments purchased and sold with the cost or net proceeds
of such purchases or sales (accrued interest paid or receivable being shown
separately), and showing all cash, securities and other property held in the
Trust at the end of such year or as of the date of such removal or resignation,
as the case may be.

      Section 8.  RESPONSIBILITY OF TRUSTEE.

      (a) Trustee shall act with the care, skill, prudence and diligence under
the circumstances then prevailing that a prudent person acting in like capacity
and familiar with such matters would use in the conduct of an enterprise of a
like character and with like aims, provided, however, that Trustee shall incur
no liability to any person for any action taken pursuant to a direction, request
or approval given by Company which is contemplated by, and in conformity, the
terms of the Plan(s) or this Trust and is given in writing by Company. In

                                       4
<PAGE>

the event of a dispute between Company and a party, Trustee may apply to a court
of competent jurisdiction to resolve the dispute.

      (b) If Trustee undertakes or defends any litigation arising in connection
with this Trust, Company agrees to indemnify Trustee against Trustee's costs,
expenses and liabilities (including, without limitation, attorneys' fees and
expenses) relating thereto and to be primarily liable for such payments. If
Company does not pay such costs, expenses and liabilities in a reasonably timely
manner, Trustee may obtain payment from the Trust.

      (c) Trustee may consult with legal counsel (who may also be counsel for
Company generally) with respect to any of its duties or obligations hereunder.

      (d) Trustee may hire agents, accountants, actuaries, investment advisors,
financial consultants or other professionals to assist it in performing any of
its duties or obligations hereunder.

      (e) Trustee shall have, without exclusion, all powers conferred on
Trustees by applicable law, unless expressly provided otherwise herein,
provided, however, that if an insurance policy is held as an asset of the Trust,
Trustee shall have no power to name a beneficiary of the policy other than the
Trust, to assign the policy (as distinct from conversion of the policy to a
different form) other than to a successor Trustee, or to loan to any person the
proceeds of any borrowing against such policy.

      (f) Notwithstanding any powers granted to Trustee pursuant to this Trust
Agreement or to applicable law, Trustee shall not have any power that could give
this Trust the objective of carrying on a business and dividing the gains
therefrom, within the meaning of section 301.7701-2 of the Procedure and
Administrative Regulations promulgated pursuant to the Internal Revenue Code.

      Section 9.  COMPENSATION AND EXPENSES OF TRUSTEE.

      Company shall pay all administrative and Trustee's fees and expenses. If
not so paid, the fees and expenses shall be paid from the Trust.

      Section 10.  RESIGNATION AND REMOVAL OF TRUSTEE.

      (a) Trustee may resign at any time by written notice to Company, which
shall be effective 30 days after receipt of such notice unless Company and
Trustee agree otherwise.

      (b) Trustee may be removed by Company on 30 days notice or upon shorter
notice accepted by Trustee, except as provided below.

      (c) Upon a Change of Control, as defined herein, Trustee may not be
removed by Company for three years.

      (d) If Trustee resigns or is removed within three years of a Change of
Control, as defined herein, Trustee shall select a successor Trustee in
accordance with the provisions of Section 11(b) hereof prior to the effective
date of Trustee's resignation or removal.

      (e) Upon resignation or removal of Trustee and appointment of a successor
Trustee, all assets shall subsequently be transferred to the successor Trustee.
The transfer shall be

                                       5
<PAGE>

completed within 30 days after receipt of notice of resignation, removal or
transfer, unless Company extends the time limit.

      (f) If Trustee resigns or is removed, a successor shall be appointed, in
accordance with section 11 hereof, by the effective date of resignation or
removal under paragraph (a) or (b) of this section. If no such appointment has
been made, Trustee may apply to a court of competent jurisdiction for
appointment of a successor or for instructions. All expenses of Trustee in
connection with the proceeding shall be allowed as administrative expenses of
the Trust.

      Section 11.  APPOINTMENT OF SUCCESSOR.

      (a) If Trustee resigns or is removed in accordance with Section 10(a) or
(b) hereof, Company may appoint any third party, such as a bank trust department
or other party that may be granted corporate trustee powers under state law, as
a successor to replace Trustee upon resignation or removal. The appointment
shall be effective when accepted in writing by the new Trustee, who shall have
all of the rights and powers of the former Trustee, including ownership rights
in the Trust assets. The former Trustee shall execute any instrument necessary
or reasonably requested by Company or the successor Trustee to evidence the
transfer.

      (b) If Trustee resigns or is removed pursuant to the provisions of Section
10(d) hereof and selects a successor Trustee, Trustee may appoint any third
party such as a bank trust department or other party that may be granted
corporate trustee powers under state law. The appointment of a successor Trustee
shall be effective when accepted in writing by the new Trustee. The new Trustee
shall have all the rights and powers of the former Trustee, including ownership
rights in Trust assets. The former Trustee shall execute any instrument
necessary or reasonably requested by the successor Trustee to evidence the
transfer.

      (c) The successor Trustee need not examine the records and acts of any
prior Trustee and may retain or dispose of existing Trust assets, subject to
Sections 7 and 8 hereof. The successor Trustee shall not be responsible for and
Company shall indemnify and defend the successor Trustee from any claim or
liability resulting from any action or inaction of any prior Trustee or from any
other past event, or any condition existing at the time it becomes successor
Trustee.

      Section 12.  AMENDMENT OR TERMINATION.

      (a) This Trust Agreement may be amended by a written instrument executed
by Trustee and Company. Notwithstanding the foregoing, no such amendment shall
conflict with the terms of the Plan(s) or shall make the Trust revocable after
it has become irrevocable in accordance with Section 1(b) hereof.

      (b) The Trust shall not terminate until the date on which Plan
participants and their beneficiaries are no longer entitled to benefits pursuant
to the terms of the Plan(s). Upon termination of the Trust, any assets remaining
in the Trust shall be returned to Company.

                                       6
<PAGE>

      (c) Upon written approval of participants or beneficiaries entitled to
payment of benefits pursuant to the terms of the plan(s), Company may terminate
this Trust prior to the time all benefit payments under the Plan(s) have been
made. All assets in the Trust at termination shall be returned to Company.

      (d) Sections 1(b), 5, 10, 11, 12 and 13 of this Trust Agreement may not be
amended by Company for three years following a Change of Control, as defined
herein.

      Section 13.  MISCELLANEOUS.

      (a) Any provision of this Trust Agreement prohibited by law shall be
ineffective to the extent of any such prohibition, without invalidating the
remaining provisions hereof.

      (b) Benefits payable to Plan participants and their beneficiaries under
the Trust Agreement may not be anticipated, assigned (either at law or in
equity), alienated, pledged, encumbered or subjected to attachment, garnishment,
levy, execution or other legal or equitable process.

      (c) This Trust Agreement shall be governed by and construed in accordance
with the laws of the State of Minnesota.

      (d) For purposes of this Trust, Change of Control shall mean each of the
events specified in the following clauses (i) through (iii), (i) any third
person, including a "group" as defined in section 13(d)(3) of the Securities
Exchange Act of 1934, as amended, shall become the beneficial owner of the
shares of TCF Financial with respect to which 25% or more of the total number of
votes for the election of the Board of Directors of TCF Financial may be cast,
(ii) as a result of, or in connection with, any cash tender offer, exchange
offer, merger, or other business combination, sale of assets, or contested
election, or combination of the foregoing, the persons who were directors of TCF
Financial shall cease to constitute a majority of the Board of Directors of TCF
Financial, or (iii) the shareholders of TCF Financial shall approve an agreement
providing either for a transaction in which TCF Financial will cease to be an
independent publicly owned corporation or for a sale or other disposition of all
or substantially all the assets of TCF Financial; provided, however, that the
occurrence of any such events shall not be deemed a "change of control" if,
prior to such occurrence, a resolution specifically approving such occurrence
shall have been adopted by at least a majority of the Board of Directors of TCF
Financial.

      Section 14.      EFFECTIVE DATE.

      The effective date of this Trust Agreement shall be October 1, 2000.

                                    TCF Financial Corporation

                                    By:
                                       ------------------------------
                                    Title:
                                          ---------------------------
[NO SEAL]

                                       7
<PAGE>

Attest:

By
  -------------------------------
As its
      ---------------------------

                                    The First National Bank in Sioux Falls

                                    By:
                                       ------------------------------
                                    Title:
                                          ---------------------------
[NO SEAL]

Attest

By
  -------------------------------
As its
      ---------------------------

                                       8

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00022-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00022-of-00352.parquet"}]]