Document:

<PAGE>

                                                                  Execution Copy

                     FOURTH AMENDMENT TO CREDIT AGREEMENT
                     ------------------------------------

     THIS FOURTH AMENDMENT TO CREDIT AGREEMENT, dated as of November 14, 2000
(this "Amendment"), is among APCOA/STANDARD PARKING, INC., a Delaware
corporation (the "Company"), the Lenders set forth on the signature pages hereof
(collectively, the "Lenders") and BANK ONE, NA, as agent for the Lenders (in
such capacity, the "Agent").

                                   RECITALS
                                   --------

          A.   The Company, the Guarantors, the Agent and the Lenders are
parties to a Credit Agreement dated as of March 30, 1998 (as clarified by letter
agreement dated March 30, 1999 and by letter agreement dated August 23, 2000,
and as amended by a First Amendment to Credit Agreement dated as of November
12, 1999, a Second Amendment to Credit Agreement dated as of March 30, 2000 and
a Third Amendment to Credit Agreement dated as of May 12, 2000, the "Credit
Agreement").

          B.   The Company desires to amend the Credit Agreement, and the Agent
and the Lenders are willing to do so in accordance with the terms hereof.

                                     TERMS
                                     -----

          In consideration of the premises and of the mutual agreements herein
contained, the parties agree as follows:

          ARTICLE I. AMENDMENTS. Upon fulfillment of the conditions set forth in
Article III hereof, the Credit Agreement shall be amended as follows:

          1.1  The definition of "Applicable Margin" is restated as follows:

     "Applicable Margin" shall mean, with respect to any Adjusted Corporate Base
Rate Loan, LIBOR Loan, Letter of Credit fee under Section 2.3(b) and commitment
fees under Section 2.3(a), the applicable percentage set forth in the table
below based upon the Adjusted Total Debt to Adjusted EBITDA Ratio, as adjusted
on the sixtieth day after the end of each of the first three fiscal quarters of
each fiscal year of the Company and on the one hundred fifth day after the end
of the last fiscal quarter of each fiscal year of the Company, and shall remain
in effect until the next change to be effected pursuant to this definition,
based upon the Adjusted Total Debt to Adjusted EBITDA Ratio as of the last day
of such fiscal quarter, provided that (a) any change in the Applicable Margin
with respect to any LIBOR Loan during a LIBOR Interest Period with respect to
such LIBOR Loan shall not be effective until after the end of such LIBOR
Interest Period, (b) as of the Effective Date the Applicable Margin shall be
based on an Adjusted Total Debt to Adjusted EBITDA Ratio of greater than or
equal to 6.5:1.0 until adjusted for the first time and (c) if any Event of
Default has occurred and is continuing the Adjusted Total Debt to Adjusted
EBITDA Ratio as of the end of the most recently ended fiscal quarter shall, for
the purposes of this definition, be deemed to be greater than or equal to
6.5 : 1.0:
<PAGE>

<TABLE>
<CAPTION>
------------------------------------------------------------------------------------------------------------------------
                                                Applicable Margin for all Advances and fees
                                                -------------------------------------------
------------------------------------------------------------------------------------------------------------------------
 Adjusted Total Debt to                         Adjusted Corporate Base    LIBOR Loan and Letter    Commitment Fees
 Adjusted        EBITDA                         Rate Loan                  of Credit Fees
 Ratio
------------------------------------------------------------------------------------------------------------------------
 <S>                                            <C>                        <C>                      <C>
 (greater than or equal to) 6.5:1.0             275 bsp                    400 bps                  75 bps
------------------------------------------------------------------------------------------------------------------------
 (greater than or equal to) 6.0:1.0
 but (less than) 6.50:1.0                       225 bps                    350 bps                  62.5 bps
------------------------------------------------------------------------------------------------------------------------
 (greater than or equal to) 5.5:1.0
 but (less than) 6.0:1.0                        200 bps                    325 bps                  62.5 bps
------------------------------------------------------------------------------------------------------------------------
 (greater than or equal to) 5.0:1.0
 but (less than) 5.5:1.0                        175 bps                    300 bps                  62.5 bps
------------------------------------------------------------------------------------------------------------------------
 (greater than or equal to) 4.5:1.0
 but (less than) 5.0:1.0                        150 bps                    275 bps                  50 bps
------------------------------------------------------------------------------------------------------------------------
 (less than) 4.5:1.0                            125 bps                    250 bps                  50 bps
------------------------------------------------------------------------------------------------------------------------

</TABLE>

Notwithstanding anything in this Agreement to the contrary, as of the Fourth
Amendment Effective Date the Applicable Margin shall be based on an Adjusted
Total Debt to Adjusted EBITDA Ratio of greater than or equal to 6.5:1.0 pursuant
to the above table until adjusted for the first time after the Fourth Amendment
Effective Date.

          1.2  The following definitions are hereby added to Section 1.1 in
appropriate alphabetical order:

               "Fourth Amendment" shall mean the Fourth Amendment to this
Agreement dated as of November 14, 2000.

               "Fourth Amendment Effective Date" shall mean the date of the
Fourth Amendment.

          1.3  Sections 5.2(a), (b) and (c) are restated as follows:

          (a)       Adjusted Total Debt to Adjusted EBITDA Ratio. Permit or
suffer the Adjusted Total Debt to Adjusted EBITDA Ratio to be greater than (i)
6.95 to 1.0 at any time from and including the Effective Date to and including
September 29, 1999, (ii) 6.75 to 1.0 at any time from and including September
30, 1999 to and including December 31, 1999, (iii) 8.15 to 1.0 at any time from
and including January 1, 2000 to and including September 30, 2000, (iv) 7.56 to
1.0 at any time from and including October 1, 2000 to and including March 30,
2001, (v) 6.35 to 1.00 at any time from and including March 31, 2001 to and
including June 29, 2001, (vi) 6.20 to 1.00 at any time from and including June
30, 2001 to and including September 29, 2001, (vii) 6.00 to 1.00 at any time
from and including September 30, 2001 to and including December 30, 2001, (viii)
5.80 to 1.00 at any time from and including December 31, 2001 to and including
March 30, 2002 or (ix) 5.50 to 1.0 at any time thereafter.

          (b)       Interest Coverage Ratio. Permit or suffer the Interest
Coverage Ratio to be less than (i) 1.5 to 1.0 as of the end of any fiscal
quarter of the Company ending on or before December 31, 1999, (ii) 1.30 to 1.0
as of the end of the fiscal quarter of the Company ending March 31, 2000, (iii)
1.27 to 1.0 as of the end of the fiscal quarter of the Company ending June 30,
2000, (iv) 1.23 to 1.0 as of the end of the fiscal quarter of the Company ending
September 30, 2000, (v) 1.25 to 1.0 as of the end of the fiscal quarter of the
Company ending December 31, 2000, (vi) 1.6 to 1.0 as of the end of each of the
fiscal quarters of the Company ending March 31, 2001 and June 30, 2001, (vii)
1.65 to 1.0 as of the end
<PAGE>

of any fiscal quarter of the Company ending on or after September 30, 2001 but
on or before March 31, 2002, or (viii) 1.75 to 1.0 as of the end of any fiscal
quarter of the Company ending thereafter.

          (c)       Fixed Charge Coverage Ratio. Permit or suffer the Fixed
Charge Coverage Ratio to be less than (i) 0.9 to 1.0 as of the end of any fiscal
quarter of the Company ending on or before March 31, 1999, (ii) 1.0 to 1.0 as of
the end of any fiscal quarter ending on or after June 30, 1999 but on or before
December 31, 1999, (iii) 0.92 to 1.0 as of the end of the fiscal quarter of the
Company ending March 31, 2000, (iv) 0.91 to 1.0 as of the end of the fiscal
quarter of the Company ending June 30, 2000, (v) 0.90 to 1.0 as of the end of
the fiscal quarter of the Company ending September 30, 2000, (vi) 0.96 to 1.0 as
of the end of the fiscal quarter of the Company ending December 31, 2000, (vii)
1.05 to 1.0 as of the end of any fiscal quarter of the Company ending on or
after March 31, 2001 but on or before March 31, 2002 or (viii) 1.10 to 1.0 as of
the end of any fiscal quarter of the Company ending thereafter.

          1.4  (a) The restructuring charges taken in connection with the
Standard Acquisition to the extent such charges do not exceed $700,000 for the
Calculation Period ending September 30, 2000 or for the Calculation Period
ending December 31, 2000 shall be deemed "consistent with the restructuring
charges identified in the Pro Forma Financial Statements" for purposes of clause
I(xii)(A) of the definition of Adjusted EBITDA contained in Section 1.1 of the
Credit Agreement, provided that no other restructuring charges shall be deemed
"consistent with the restructuring charges identified in the Pro Forma
Financial Statements" for purposes of clause I(xii)(A) of such definition of
Adjusted EBITDA or for any other purpose without the prior written approval of
the Required Lenders. The Company may take additional restructuring charges in
accordance with Generally Accepted Accounting Principles, but any such
additional restructuring charges shall not be added back to Adjusted EBITDA for
purposes of the financial covenants or any other provisions of the Credit
Agreement.

               (b) Notwithstanding its required treatment under Generally
Accepted Accounting Principles or anything else in the Credit Agreement to the
contrary, the non-cash charge of approximately $1,400,000 required to be taken
by the Company in the current fiscal quarter under Generally Accepted Accounting
Principles due to the termination of certain officers of the Company and their
related severance (as discussed with the Lenders) shall not be required to be
deducted at one time in calculating Adjusted EBITDA as required under the Credit
Agreement, but rather such amount shall be deducted from Adjusted EBITDA as an
expense and when such severance amount is actually paid to such officers.

          ARTICLE II. REPRESENTATIONS AND AGREEMENTS. Each of the Company and
the Guarantors represents and warrants to, and agrees with, the Agent and the
Lenders that:

          2.1  The execution, delivery and performance of this Amendment are
within its powers, have been duly authorized and are not in contravention of any
statue, law or regulation known to it or of any terms of its Articles of
Incorporation or By-laws, or of any material agreement or undertaking to which
it is a party or by which it is bound.

          2.2  This Amendment is the legal, valid and binding obligations of the
Company and each Guarantor enforceable against each in accordance with the
respective terms thereof.

          2.3  After giving effect to the amendments contained herein, the
representations and warranties contained in Article IV of the Credit Agreement
are true in all material respects on and as of the date hereof with the same
force and effect as if made on and as of the date hereof.

<PAGE>

          2.4  After giving effect to the amendments contained herein, no Event
of Default or Unmatured Default exists or has occurred and is continuing on the
date hereof.

          ARTICLE III.  CONDITIONS OF EFFECTIVENESS.  This Amendment shall
become effective as of the date hereof when each of the following conditions is
satisfied or waived by the Lenders:

          3.1  The Company, the Guarantors and the Required lenders shall have
signed this Amendment.

          3.2  The Company and the Guarantors shall have delivered such
resolutions, officer's certificates and legal opinions as the Agent may request.

          3.3  The Company shall have paid to the Agent, for the pro rata
benefit of the Lenders, an amendment fee equal to $100,000, payable to the
Lenders on a pro rata basis based upon the amount of the Commitment of each
Lender.

          3.4  The Company and the Guarantors and Firstar Bank shall have
executed such agreements satisfactory to the Agent pursuant to which the Agent
is granted a first priority security interest in all bank accounts of the
Company and the Guarantors and such other rights with respect thereto as
required by the Agent and all other assets of the Company and of the Guarantors.

          3.5  The Company shall have delivered to the Agent such other
documents and satisfied such other conditions, if any, as requested by the
Agent.

          ARTICLE IV.  MISCELLANEOUS.

          4.1  Reference in the Credit Agreement or in any other Loan Document
to the Credit Agreement shall be deemed to be references to the Credit Agreement
as amended hereby and as further amended from time to time.

          4.2  The Company agrees to pay and to save the Agent harmless for the
payment of all reasonable documented costs and expenses arising in connection
with this Amendment, including the reasonable documented fees of counsel to the
Agent in connection with preparing this Amendment and the related documents.

          4.3  The Company and each Guarantor acknowledge and agree that, to the
best of their knowledge, the Agent and the Lenders have fully performed all of
their obligations under all documents executed in connection with the Credit
Agreement. The Company and each Guarantor represent and warrant that they are
not aware of any claims or causes of action against the Agent or any Lender.

          4.4  Subject to the terms and conditions of this Amendment and the
accuracy of all representations and warranties made by the Company or any
Guarantor in this Amendment, the Lenders and the Agent waive any Event of
Default caused by any breach of Sections 5.2(a), (b) or (c) of the Credit
Agreement as of September 30, 2000 (the "Existing Defaults"), provided that (i)
no other Event of Default, whether known or unknown, is waived, (ii) it is
acknowledged and agreed that this is a one time waiver only for the Existing
Defaults and waives the Existing Defaults on to the extent they occurred on
September 30, 2000 and not thereafter, and shall not waive any other breach at
any other time of Section

                                      -4-
<PAGE>

5.2(a), (b) or (c) or any other term or covenant of the Credit Agreement, and
(iii) the Company is in compliance with Sections 5.2(a), (b) and (c) as amended
hereby as of September 30, 2000.

          4.5  Except as expressly amended hereby, the Company and each
Guarantor agree that the Credit Agreement, the Notes, the Security Documents and
all other documents and agreements executed by the Company in connection with
the Credit Agreement in favor of the Agent or any Lender are ratified and
confirmed, as amended hereby, and shall remain in full force and effect in
accordance with their terms and that they are not aware of any set off,
counterclaim, defense or other claim or dispute with respect to any of the
foregoing. Terms used but not defined herein shall have the respective meanings
ascribed thereto in the Credit Agreement. This Amendment may be signed upon any
number of counterparts with the same effect as if the signatures thereto and
hereto were upon the same instrument, and telecopied signatures shall be
effective as originals.

          IN WITNESS WHEREOF, the parties signing this Amendment have caused
this Amendment to be executed and delivered as of the day and year first above
written.

                                  APCOA/STANDARD PARKING, INC.

                                  By:
                                       -----------------------------------------

                                  Its:
                                       -----------------------------------------

                                  BANK ONE, NA, as a Lender and as Agent,
                                  formerly known as The First National Bank of
                                  Chicago

                                  By:
                                       -----------------------------------------

                                  Its:
                                       -----------------------------------------

                                  LASALLE BANK NATIONAL ASSOCIATION

                                  By:
                                       -----------------------------------------

                                  Its:
                                       -----------------------------------------

                                      -5-
<PAGE>

                             CONSENT AND AGREEMENT

     As of the date and year first above written, each of the undersigned
hereby:

     (a)  fully consents to the terms and provisions of the above Amendment and
the consummation of the transactions contemplated hereby and agrees to all terms
and provisions of the above Amendment applicable to it;

    (b)  agrees that each Guaranty and all other agreements executed by any of
the undersigned in connection with the Credit Agreement or otherwise in favor of
the Agent or the Lenders (collectively, the "Security Documents") are hereby
ratified and confirmed and shall remain in full force and effect, and each of
the undersigned acknowledges that it has no setoff, counterclaim, defense or
other claim or dispute with respect to any Security Document;

     (c)  acknowledges that its consent and agreement hereto is a condition to
the Lenders' obligation under this Amendment and it is in its interest and to
its financial benefit to execute this consent and agreement.

                                        A-1 AUTO PARK, INC.

                                        By:
                                            -------------------------------
                                            Name:
                                            Title:

                                        AP HOLDINGS, INC.

                                        By:
                                            -------------------------------
                                            Name:
                                            Title:

                                        APCOA CAPITAL CORPORATION

                                        By:
                                            -------------------------------
                                            Name:
                                            Title:

                                        EVENTS PARKING CO, INC.

                                        By:
                                            -------------------------------
                                            Name:
                                            Title:

                                        HAWAII PARKING MAINTENANCE, INC.

                                        By:
                                            -------------------------------
                                            Name:
                                            Title:

<PAGE>

                                       METROPOLITAN PARKING SYSTEM, INC.

                                       By:
                                           ------------------------------------
                                           Name:
                                           Title:

                                       SENTINEL PARKING CO. OF OHIO, INC.

                                       By:
                                           ------------------------------------
                                           Name:
                                           Title:

                                       TOWER PARKING, INC.

                                       By:
                                           ------------------------------------
                                           Name:
                                           Title:

                                       STANDARD AUTO PARK, INC.

                                       By:
                                           ------------------------------------
                                           Name:
                                           Title:

                                       STANDARD PARKING CORPORATION

                                       By:
                                           ------------------------------------
                                           Name:
                                           Title:

                                       APCOA LASALLE PARKING, LLC

                                       By: APCOA/Standard Parking Inc.
                                           as Manager

                                           By:
                                               --------------------------------
                                               Name:
                                               Title:

                                       S & S PARKING, INC.

                                       By:
                                           ------------------------------------
                                           Name:
                                           Title:

                                       STANDARD PARKING CORPORATION, IL

                                       By:
                                           ------------------------------------
                                           Name:
                                           Title:

                                      -7-
<PAGE>

                                  CENTURY PARKING, INC.

                                  By:
                                     ------------------------
                                     Name:
                                     Title:

                                  SENTRY PARKING CORPORATION

                                  By:
                                     ------------------------
                                     Name:
                                     Title:

                                  VIRGINIA PARKING SERVICES, INC.

                                  By:
                                     ------------------------
                                     Name:
                                     Title:

                                  APCOA BRADLEY PARKING COMPANY, LLC
                                  By:  APCOA/Standard Parking, Inc., sole
                                       Managing Member

                                       By:
                                          --------------------
                                          G. Marc Baumann
                                          Executive Vice President, Chief
                                          Financial Officer, Treasurer

                                      -8-<PAGE>

                                                                     EXHIBIT 4.1

                                    GARMIN

                                  GARMIN LTD.

INCORPORATED UNDER THE LAWS                  SEE REVERSE FOR CERTAIN DEFINITIONS
   OF THE CAYMAN ISLANDS                            AND A STATEMENT AS TO
                                                  RESTRICTIONS ON TRANSFER
                                                      CUSIP G37260 10 9

THIS CERTIFIES THAT                                            SEE REVERSE FOR
                                                             CERTAIN DEFINITIONS

IS THE OWNER OF

  FULLY PAID AND NON-ASSESSABLE COMMON SHARES, $.01 NOMINAL OR PAR VALUE, OF
                                  GARMIN LTD.

(hereinafter called the "Company"), transferrable on the books of the Company by
the holder hereof in person or by duly authorized attorney, upon surrender of
this certificate properly endorsed.  This certificate is not valid until
countersigned by the Transfer Agent.

     Witness the facsimile seal of the Company and the facsimile signatures of
its duly authorized officers.

Dated

                                    GARMIN LTD.

                                       SEAL

       /s/Min H. Kao                                      /s/Andrew R. Etkind
          DIRECTOR                                                  SECRETARY

                                COUNTERSIGNED:
                                              UMB BANK, N.A.
                                                             TRANSFER AGENT
                                BY
                                                         AUTHORIZED SIGNATURE

                                       1
<PAGE>

                                  GARMIN LTD.

     THE COMPANY WILL FURNISH A COPY OF ITS MEMORANDUM AND ARTICLES OF
ASSOCIATION THAT DESCRIBES THE CLASSES OF EQUITY OF THE COMPANY TO THE HOLDER OF
RECORD OF THIS CERTIFICATE WITHOUT CHARGE UPON WRITTEN REQUEST TO THE COMPANY AT
ITS PRINCIPAL PLACE OF BUSINESS.

     The following abbreviations, when issued in the inscription on the face of
this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM - as tenants in common UNIF GIFT MIN ACT - _____ Custodian for _______
TEN ENT - as tenants by the entireties             (Cust)              (Minor)
JT TEN  - as joint tenants with right of           under Uniform Gifts to Minors
          survivorship and not as tenants          Act ______________
          in common                                       (State)

  Additional abbreviations may also be used as though not in the above list.

     For value received, ___________ hereby sell, assign and transfer unto

PLEASE INSERT SOCIAL SECURITY OR OTHER
   IDENTIFYING NUMBER OF ASSIGNEE
----------------------------------

--------------------------------------------------------------------------------
 (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE)
--------------------------------------------------------------------------------

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

--------------------------------------------------------------------------shares
represented by the within Certificate, and do hereby irrevocably constitute and
appoint

----------------------------------------------------------------------- Attorney
to transfer the said shares on the books of the within named Company with full
power of substitution in the premises.
Dated _____________________

                                        ______________________________________
NOTICE: THE SIGNATURE(S) TO THIS        Signature(s) Guaranteed:
ASSIGNMENT MUST CORRESPOND WITH
THE NAME(S) AS WRITTEN UPON THE FACE
OF THE CERTIFICATE IN EVERY PARTICU-
LAR, WITHOUT ALTERATION OR ENLARGE-
MENT OR ANY CHANGE WHATEVER.            ______________________________________
                                        THE SIGNATURE MUST BE GUARANTEED BY AN
                                        ELIGIBLE GUARANTOR INSTITUTION (BANKS,
                                        STOCKBROKERS, SAVINGS AND LOAN
                                        ASSOCIATIONS AND CREDIT UNIONS WITH
                                        MEMBERSHIP IN AN APPROVED SIGNATURE
                                        GUARANTEE MEDALLION PROGRAM), PURSUANT
                                        TO S.E.C. RULE 17AD-15.

                                       2

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