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                           NONQUALIFIED STOCK OPTION


NONQUALIFIED STOCK OPTION AGREEMENT dated as of January 30, 1998, between MIDAS,
INC., a Delaware corporation (the "Corporation"), and _________________________,
an employee of the Corporation or one of its subsidiaries (the "Holder").

WHEREAS, the Corporation desires, by affording the Holder an opportunity to
purchase shares of the Corporation's Common Stock as hereinafter provided, to
carry out the purposes of the Corporation's Stock Incentive Plan (the "Plan"),
as adopted by the Board of Directors of the Corporation on November 21, 1997;

WHEREAS, the Management Resources and Compensation Committee of the Board of
Directors of the Corporation (the "Committee") has duly made all determinations
necessary or appropriate to the grant hereof;

NOW, THEREFORE, in consideration of the premises and the mutual covenants 
hereinafter set forth and for other good and valuable consideration, receipt of 
which is hereby acknowledged, the parties hereto have agreed, and do hereby 
agree, as follows:

1. The Corporation hereby irrevocably grants to the Holder, as a matter of
separate agreement and not in lieu of salary or any other compensation for
services, the right and option (the "Option"), to purchase (see attached
schedule) shares of Common Stock of the Corporation on the terms and conditions
herein set forth.

2. For each of said shares purchased, the Holder shall pay to the Corporation
(see attached schedule) per share (the "Option Price").

3. Subject to the provisions of paragraphs 7, 8 and 9 hereof, this Option shall 
be for a term of ten years from the date of grant of the relevant Whitman 
options listed on the attached schedule and shall become exercisable as to 
one-third of the shares covered by this Option on the first anniversary thereof,
as to two-thirds of the shares covered by this Option on the second anniversary 
thereof (reduced by such number of shares as may have theretofore been purchased
hereunder after the first anniversary), and as to all shares covered by this 
Option and not theretofore purchased on the third anniversary thereof. The 
Corporation shall not be required to issue any fractional shares upon exercise 
of this Option, and any fractional interests resulting from the calculation of 
the number of shares in respect of which this Option may be exercised prior to 
the third anniversary hereof shall be rounded down to the nearest whole share. 
Except as provided in paragraphs 7, 8 and 9 hereof, this Option may not be 
exercised unless the Holder shall, at the time of exercise, be an employee of 
the Corporation or one of its "subsidiaries", as defined in the Plan.
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4.  This Option may be exercised only by one or more notices in writing of the
Holder's intent to exercise this Option, accompanied by payment by check to the
Corporation in an amount equal to the aggregate Option Price of the total number
of whole shares then being purchased. Unless otherwise specified by the
Corporation, each such notice and check shall be delivered to the Treasurer of
the Corporation, at the principal office of the Corporation or, at the risk of
the Holder, mailed to the Treasurer at said office.

5.  Following the exercise of this Option, the Corporation will advise the
Holder of the applicable Federal and state income taxes required to be withheld
by reason of such exercise. Thereupon, the Holder shall forthwith deliver to the
Corporation a check payable to the Corporation or the subsidiary of the
Corporation which employs the Holder, as the case may be, representing said
taxes.

6.  This Option is not transferable by the Holder otherwise than by will or the 
laws of descent and distribution and may be exercised, during the lifetime of 
the Holder, only by the Holder.

7.  In the event of the termination of employment of the Holder with the
Corporation or one of its subsidiaries, other than by reason of Retirement (as
defined in the Plan) or death, the Holder may exercise this Option at any time
within three months (or one year, if the Holder is permanently and totally
disabled within the meaning of Section 22(e)(3) of the Federal Internal Revenue
Code) after such termination of employment, but only if and to the extent this
Option was exercisable at the date of termination, and in no event after the
date on which this Option would otherwise terminate; provided, however, if such
termination of employment was for cause or a voluntary termination without the
written consent of the Corporation, then this Agreement shall be of no further
force or effect and all rights of the Holder under this Option shall thereupon
cease.

8.  In the event of the termination of employment of the Holder with the
Corporation or one of its subsidiaries by reason of Retirement, then all shares
subject to this Option shall be fully exercisable, and, subject to paragraph 9
hereof, this Option shall be exercisable by the Holder at any time up to and
including (but not after) the date on which this Option would otherwise
terminate.

9.  In the event of the death of the Holder (i) while employed by the
Corporation or one of its subsidiaries or after Retirement, (ii) within three
months after termination of the Holder's employment (other than a termination by
reason of permanent and total disability within the meaning of Section 22(e)(3)
of the Federal International Revenue Code), or (iii) within one year after
termination of the Holder's employment by reason of such disability, then this
Option may be exercised by the legatees under the last will of the Holder, or by
the personal representatives or distributees of the Holder, at any time within a
period of nine months after the Holder's death, but only if and to the extent
this Option was exercisable at the date of death (unless death occurs while the
Holder is employed by the Corporation or one of its subsidiaries, in which case
all shares subject to this Option shall be fully exercisable), and in no event
after the date on which this Option would otherwise terminate.

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10.  If, prior to the termination of this Option, the number of outstanding 
shares of Common Stock of the Corporation shall be increased or decreased by 
reason of a stock split, stock dividend, reverse stock split or combination 
thereof, then the number of shares at the time subject to this Option, the 
number of shares reserved for issuance pursuant to exercise hereof, and the 
Option Price per share shall be proportionately adjusted without any change in 
the aggregate Option Price therefor.

11.  If, prior to the termination of this Option, the outstanding shares of
Common Stock of the Corporation shall be affected by any change other than those
specifically mentioned in the preceding paragraph (e.g., by reason of a spin-
off, split-up, recapitalization, merger, consolidation, combination or exchange
of shares), then the aggregate number and class of shares thereafter subject to
this Option and the Option Price thereof, and the number and class of shares
reserved for issuance pursuant to exercise hereof, may be appropriately adjusted
in such manner as the Committee shall in its sole discretion determine to be
equitable and consistent with the purposes of the Plan. Such determination shall
be conclusive for all purposes of this Option.

12.  This Option and each and every obligation of the Corporation hereunder are 
subject to the requirement that if at any time the Corporation shall determine, 
upon advise of counsel, that the listing, registration, or qualification of the 
shares covered hereby upon any securities exchange or under any state or Federal
law, or the consent or approval of any governmental regulatory body, is 
necessary or desirable as a condition of or in connection with the granting of 
this Option or the purchase of shares hereunder, this Option may not be 
exercised in whole or in part unless and until such listing, registration, 
qualification, consent or approval shall have been effected or obtained free of 
any conditions not acceptable to the Board of Directors of the Corporation.

13.  In the event of a "change in control" or a "Pooling Transaction", as those 
terms are defined in the Plan, the Holder shall have all of the rights specified
in Paragraph 10(B) and, if applicable, Paragraph 10(D) of the Plan.

14.  Nothing herein contained shall confer on the Holder any right to continue
in the employment of the Corporation or any of its subsidiaries or interfere in
any way with the right of the Corporation or any subsidiary to terminate the
Holder's employment at any time; confer on the Holder any of the rights of a
shareholder with respect to any of the shares subject to this Option until such
shares shall be issued upon the exercise of this Option; affect the Holder's
right to participate in and receive benefits under and in accordance with the
provisions of any pension, profit-sharing, insurance, or other employee benefit
plan or program of the Corporation or any of its subsidiaries; or limit or
otherwise affect the right of the Board of Directors of the Corporation (subject
to any required approval by the shareholders) at any time or from time to time
to alter, amend, suspend or discontinue the Plan and the rules for its
administration; provided, however, that no termination or amendment of the Plan
may, without the consent of the Holder, adversely affect the Holder's rights
under this Option.

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IN WITNESS WHEREOF, this Nonqualified Stock Option Agreement has been duly 
executed by the Corporation and the Holder as of the day and year first above 
written.

                                       MIDAS, INC.


                                       By: __________________________________
                                           Vice President



                                           __________________________________
                                           Holder

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