Document:

<PAGE>
                                                                    Exhibit 4.10

                       AMENDMENT NO. 4 TO CREDIT AGREEMENT

     This Amendment No. 4 to Credit Agreement (this "Amendment") is entered into
as of November 9, 2001, by and among Midas, Inc. and Midas International
Corporation (collectively, the "Borrowers" and individually, a "Borrower"), the
undersigned Lenders, Bank One, NA (formerly known as The First National Bank of
Chicago), as administrative agent (the "Administrative Agent"), and Credit
Suisse First Boston, as co-agent (the "Co-Agent").

                                    RECITALS
                                    --------

     A. The Borrowers, the lenders party thereto (the "Lenders"), the
Administrative Agent and the Co-Agent are party to that certain Credit Agreement
dated as of January 22, 1998 (as amended as of April 3, 1998, October 16, 1998
and February 8, 1999, the "Credit Agreement"). Unless otherwise specified
herein, capitalized terms used in this Amendment shall have the meanings
ascribed to them by the Credit Agreement.

     B. The Borrowers, the Administrative Agent, the Co-Agent and the
undersigned Lenders wish to further amend the Credit Agreement on the terms and
conditions set forth below.

     NOW, THEREFORE, in consideration of the mutual execution hereof and other
good and valuable consideration, the parties hereto agree as follows:

     1. Amendments to Credit Agreement. Upon the "Effective Date" (as defined
        ------------------------------
below), the Credit Agreement shall be amended as follows:

        (a) Article I of the Credit Agreement is hereby amended as follows:

        (i) The definitions of "Alternate Base Rate Advance," "Applicable
Eurodollar Margin," "Borrowing Date," "Commitment," "Facility Fee Percentage,"
"Indebtedness," "Notes," "Obligations," "pro-rata" and "Required Lenders" are
deleted in their entirety and replaced with the following:

                "Alternate Base Rate Advance" means an Advance which, except as
        otherwise provided in Section 2.10, bears interest at the Floating Rate.

                "Applicable Eurodollar Margin" means, subject to the penultimate
        sentence of this definition, for any period, the applicable of the
        following percentages in effect with respect to such period as the Debt
        to EBITDA Ratio of Midas shall fall within the indicated ranges:

<TABLE>
<CAPTION>
---------------------------------------------------------------      -------------------------------------------
                      Debt to EBITDA Ratio                                  Applicable Eurodollar Margin
---------------------------------------------------------------      -------------------------------------------
<S>                                                                                     <C>
       greater than or equal to 3.25:1.0                                                2.90%
---------------------------------------------------------------      -------------------------------------------
  less than 3.25:1.0 but greater than or equal to 3.0:1.0                               2.50%
---------------------------------------------------------------      -------------------------------------------
    less than 3.0:1.0 but greater than or equal 2.5:1.0                                 2.10%
---------------------------------------------------------------      -------------------------------------------
    less than 2.5:1.0 but greater than or equal  2.0:1.0                                1.90%
---------------------------------------------------------------      -------------------------------------------
</TABLE>

<PAGE>

<TABLE>
---------------------------------------------------------------      -------------------------------------------
<S>                                                                                     <C>
    less than 2.0:1.0 but greater than or equal 1.5:1.0                                 1.70%
---------------------------------------------------------------      -------------------------------------------
                  less than  1.5:1.0                                                    1.25%
---------------------------------------------------------------      -------------------------------------------
</TABLE>

The Debt to EBITDA Ratio shall be calculated by Midas as of the end of each
Fiscal Quarter commencing (for the purposes of determining the Applicable
Eurodollar Margin) as of the end of the fourth Fiscal Quarter in 2001 and shall
be reported to the Administrative Agent pursuant to a certificate executed by
the chief financial officer of Midas and delivered in accordance with Section
6.1(c) hereof. The Applicable Eurodollar Margin shall be adjusted, if necessary,
as of the tenth day after the actual delivery date for the certificate
referenced above; provided, that if such certificate, together with the
financial statements to which such certificate relates, are not delivered within
15 days after the date required for delivery of such certificate, then the
Applicable Eurodollar Margin shall be equal to 2.90% for the relevant quarter.
Until adjusted as described above after the end of the fourth Fiscal Quarter in
2001 (and retroactive to October 15, 2001), the Applicable Eurodollar Margin
shall be equal to 2.50%. The Applicable Eurodollar Margin for any Eurodollar
Interest Period shall be that in effect on the first day of such Eurodollar
Interest Period and shall not change during such Eurodollar Interest Period.

     "Borrowing Date" means a date on which an Advance or a Swing Line Loan is
made or a Facility Letter of Credit is issued hereunder.

     "Commitment" means, for each Lender, the obligation of such Lender to make
Loans and participate in Facility Letters of Credit not exceeding the amount set
forth opposite its name on Schedule I hereto and as set forth in any Notice of
Assignment relating to any assignment which has become effective pursuant to
Section 12.3.2, as such amount may be modified from time to time pursuant to the
terms hereof.

     "Facility Fee Percentage" means, subject to the last sentence of this
definition, for any period, the applicable of the following percentages in
effect with respect to such period as the Debt to EBITDA Ratio of Midas shall
fall within the indicated ranges:

<TABLE>
<CAPTION>
------------------------------------------------------- -------------------------------------------
                 Debt to EBITDA Ratio                             Facility Fee Percentage
------------------------------------------------------- -------------------------------------------
<S>                                                                          <C>
           greater than or equal  3.25:1.0                                   .60%
------------------------------------------------------- -------------------------------------------
 less than 3.25:1.0 but greater than or equal  3.0:1.0                       .50%
------------------------------------------------------- -------------------------------------------
 less than 3.0:1.0 but greater than or equal  2.5:1.0                        .40%
------------------------------------------------------- -------------------------------------------
 less than 2.5:1.0 but greater than or equal  2.0:1.0                        .35%
------------------------------------------------------- -------------------------------------------
 less than 2.0:1.0 but greater than or equal  1.5:1.0                        .30%
------------------------------------------------------- -------------------------------------------
                 less than 1.5:1.0                                           .25%
------------------------------------------------------- -------------------------------------------
</TABLE>

The Debt to EBITDA Ratio shall be calculated by Midas as of the end of each
Fiscal Quarter commencing (for the purposes of determining the Facility Fee
Percentage) as of the end of the fourth Fiscal Quarter in 2001 and shall be

                                     - 2 -

<PAGE>

reported to the Administrative Agent pursuant to a certificate executed by the
chief financial officer of Midas and delivered in accordance with Section 6.1(c)
hereof. The Facility Fee Percentage shall be adjusted, if necessary, as of the
tenth day after the actual delivery date for the certificate referenced above;
provided, that if such certificate, together with the financial statements to
which such certificate relates, are not delivered within 15 days after the date
required for delivery of such certificate, then the Facility Fee Percentage
shall be equal to 0.60% for the relevant quarter. Until adjusted as described
above after the end of the fourth Fiscal Quarter in 2001 (and retroactive to
October 15, 2001), the Facility Fee Percentage shall be equal to 0.50%.

     "Indebtedness" of a Person means (without duplication) such Person's (a)
obligations for borrowed money, (b) obligations representing the deferred
purchase price of Property (other than accounts payable arising in the ordinary
course of such Person's business payable on terms customary in the trade), (c)
obligations, whether or not assumed, secured by Liens or payable out of the
proceeds or production from Property now or hereafter owned or acquired by such
Person, (d) obligations which are evidenced by notes, acceptances, or similar
instruments, (e) Capitalized Lease Obligations, (f) Contingent Obligations
(excluding Contingent Operating Leases); and (g) obligations for which such
Person is obligated pursuant to or in respect of a Facility Letter of Credit and
the face amount of any other Letter of Credit which is not a Commercial Letter
of Credit; provided, however, that solely for the purpose of calculating the
Debt to EBITDA Ratio, Contingent Obligations in respect of guarantees by Midas
of Indebtedness of its franchisees shall constitute Indebtedness only to the
extent that such Contingent Obligations exceed $7,000,000.

     "Net Rent" means, for any computation period, with respect to Midas on a
consolidated basis with its Subsidiaries, (a) gross rent expense, less (b)
sublease rental income from franchisees and other Persons which are not
Affiliates that reduced gross rent expense, as presented in the relevant
footnotes to the most recent indicated annual financial statements required to
be delivered to the Lenders pursuant to Section 6.1(a) hereof.

     "Notes" means, collectively, any promissory notes issued at the request of
a Lender pursuant to Section 2.13 in the form of Exhibit A, if issued to
evidence a Ratable Loan, in the form of Exhibit B, if issued to evidence a
Competitive Bid Loan, or in the form of Exhibit I, if issued to evidence a Swing
Line Loan, and "Note" means any one of the Notes.

     "Obligations" means all unpaid principal of and accrued and unpaid interest
on the Loans and the Swing Line Loans, the Facility Letter of Credit Obligations
and all other liabilities (if any), whether actual or contingent, of the
Borrowers with respect to Facility Letters of Credit, all accrued and unpaid
fees and all expenses, reimbursements, indemnities and other obligations of the
Borrowers to the Lenders or to any Lender, the Administrative Agent or any
indemnified party hereunder arising under any of the Loan Documents.

                                     - 3 -

<PAGE>

     "pro-rata" means, when used with respect to a Lender, and any described
aggregate or total amount, an amount equal to such Lender's pro-rata share or
portion based on its percentage of the Aggregate Commitment or if the Aggregate
Commitment has been terminated, its percentage of the aggregate principal amount
of outstanding Advances, Swing Line Loans and Facility Letter of Credit
Obligations.

     "Required Lenders" means Lenders in the aggregate having at least 51% of
the Aggregate Commitment or, if the Aggregate Commitment has been terminated,
51% of the sum of (a) the aggregate unpaid principal amount of the outstanding
Loans and Swing Line Loans plus (b) the aggregate amount of the outstanding
Facility Letter of Credit Obligations.

     (ii) The following new definitions are added in alphabetical order:

     "Applicable ABR Margin" means, subject to the last sentence of this
definition, for any period, the applicable of the following percentages in
effect with respect to such period as the Debt to EBITDA Ratio of Midas shall
fall within the indicated ranges:

<TABLE>
<CAPTION>
------------------------------------------------------- -------------------------------------------
                 Debt to EBITDA Ratio                              Applicable ABR Margin
------------------------------------------------------- -------------------------------------------
<S>                                                                         <C>
            greater than or equal 3.25:1.0                                  1.65%
------------------------------------------------------- -------------------------------------------
 less than 3.25:1.0 but greater than or equal 3.0:1.0                       1.25%
------------------------------------------------------- -------------------------------------------
  less than 3.0:1.0 but greater than or equal 2.5:1.0                       0.85%
------------------------------------------------------- -------------------------------------------
  less than 2.5:1.0 but greater than or equal 2.0:1.0                       0.65%
------------------------------------------------------- -------------------------------------------
  less than 2.0:1.0 but greater than or equal 1.5:1.0                       0.45%
------------------------------------------------------- -------------------------------------------
                  less than 1.5:1.0                                            0%
------------------------------------------------------- -------------------------------------------
</TABLE>

The Debt to EBITDA Ratio shall be calculated by Midas as of the end of each
Fiscal Quarter commencing (for the purposes of determining the Applicable ABR
Margin) as of the end of the fourth Fiscal Quarter in 2001 and shall be reported
to the Administrative Agent pursuant to a certificate executed by the chief
financial officer of Midas and delivered in accordance with Section 6.1(c)
hereof. The Applicable ABR Margin shall be adjusted, if necessary, as of the
tenth day after the actual delivery date for the certificate referenced above;
provided, that if such certificate, together with the financial statements to
which such certificate relates, are not delivered within 15 days after the date
required for delivery of such certificate, then the Applicable ABR Margin shall
be equal to 1.65% for the relevant quarter. Until adjusted as described above
after the end of the fourth Fiscal Quarter in 2001 (and retroactive to October
15, 2001), the Applicable ABR Margin shall be equal to 1.25%.

     "Floating Rate" means, for any day, a rate per annum equal to (a) the
Alternate Base Rate for such date plus (b) the Applicable ABR Margin, in each
case changing when and as the Alternate Base Rate changes.

                                     - 4 -

<PAGE>

          "Swing Line Commitment" means the obligation of the Swing Line Lender
     to make Swing Line Loans up to a maximum principal amount of $5,000,000 at
     any one time outstanding.

          "Swing Line Lender" means Bank One or such other Lender which may
     succeed to its rights and obligations as Swing Line Lender pursuant to the
     terms of the Agreement.

          "Swing Line Loan" means a swing line loan made available to a Borrower
     by the Swing Line Lender pursuant to Section 2.19 hereof.

     (b) Clause (a) of Section 2.1.1 of the Credit Agreement is deleted in its
entirety and replaced with the following:

          (a) each Lender severally agrees to make Ratable Loans to the
     Borrowers in accordance with Section 2.2 in amounts not to exceed in the
     aggregate at any one time outstanding the amount of its Commitment less the
     amount of such Lender's pro-rata share of the sum of (i) the outstanding
     principal amount of all Competitive Bid Advances (regardless of which
     Lender or Lenders made such Competitive Bid Advances) exclusive of
     Competitive Bid Advances being repaid substantially contemporaneously with
     the making of any such Ratable Loans plus (ii) the outstanding amount of
     Facility Letter of Credit Obligations at such time plus (iii) the
     outstanding amount of all Swing Line Loans; and

     (c) Section 2.1.2 of the Credit Agreement is deleted in its entirety and
replaced with the following:

          2.1.2. Facility Amount. In no event may the sum of (a) the aggregate
                 ---------------
     principal amount of all outstanding Advances (including both the Ratable
     Advances and the Competitive Bid Advances) and Swing Line Loans plus (b)
     the outstanding amount of Facility Letter of Credit Obligations at any time
     exceed the Aggregate Commitment.

     (d) Section 2.8 of the Credit Agreement is deleted in its entirety and
replaced with the following:

          2.8. Mandatory Prepayments. If at any time the aggregate amount of the
               ---------------------
     sum of the Loans, the Swing Line Loans and the Facility Letter of Credit
     Obligations exceeds the Aggregate Commitment, the Borrowers shall repay
     immediately then outstanding Loans in such amount as may be necessary to
     eliminate such excess; provided, that if an excess remains after repayment
     of all outstanding Loans and Swing Line Loans, then the Borrowers shall
     cash collateralize the Facility Letter of Credit Obligations by depositing
     into the Letter of Credit Cash Collateral Account such amount as may be
     necessary to eliminate such excess.

                                     - 5 -

<PAGE>

     (e) Section 2.9 of the Credit Agreement is amended by deleting the term
"Alternate Base Rate" where it appears therein and replacing it with the term
"Floating Rate."

     (f) Section 2.11 of the Credit Agreement is amended by inserting the phrase
"and Swing Line Loans" following the phrase "except for repayments of
Competitive Bid Loans" appearing in the first sentence of such Section.

     (g) Section 2.18.1(b) is amended by deleting clause (ii) therefrom in its
entirety and replacing it with the following:

     (ii) the sum at any time of (A) the aggregate amount of Facility Letter of
     Credit Obligations, (B) the aggregate principal balance of outstanding
     Advances and (C) the aggregate principal balance of Swing Line Loans exceed
     the amount of the Aggregate Commitment;

     (h) Section 2.18.3 of the Credit Agreement is amended by deleting the term
"Alternate Base Rate" where it appears therein and replacing it with the term
"Floating Rate."

     (i) Article II of the Credit Agreement is amended by adding thereto the
following new Section 2.19:

     2.19. Swing Line Loans.
           ----------------

     2.19.1. Amount of Swing Line Loans. Upon the satisfaction of the conditions
             --------------------------
precedent set forth in Section 4.2 (assuming, for the purposes hereof, that a
Swing Line Loan is an Advance), at any time prior to the Facility Termination
Date, the Swing Line Lender agrees, on the terms and conditions set forth in
this Agreement, to make Swing Line Loans to the Borrowers from time to time in
an aggregate principal amount not to exceed the Swing Line Commitment, provided,
at no time shall the sum of (a) the aggregate principal amount of outstanding
Advances, plus (b) the aggregate amount of Facility Letter of Credit
Obligations, plus (c) the principal amount of outstanding Swing Line Loans
exceed the Aggregate Commitment; and provided, further, that at no time shall
the sum of (i) the Swing Line Lender's pro-rata share of the Swing Line Loans
plus (ii) the outstanding Ratable Loans made by the Swing Line Lender pursuant
to Section 2.2, exceed the Swing Line Lender's Commitment at such time. Subject
to the terms of this Agreement, the Borrowers may borrow, repay and reborrow
Swing Line Loans at any time prior to the Facility Termination Date.

     2.19.2. Borrowing Notice. The applicable Borrower shall deliver to the
             ----------------
Administrative Agent and the Swing Line Lender irrevocable notice (a "Swing Line
Borrowing Notice") not later than noon (Chicago time) on the Borrowing Date of
each Swing Line Loan, specifying (a) the applicable Borrowing Date (which date
shall be a Business Day), and (b) the aggregate amount of the requested Swing
Line Loan which shall be an amount not less than $100,000. The Swing Line Loans
shall bear interest at a rate to be agreed upon between the

                                      - 6 -

<PAGE>

applicable Borrower and the Swing Line Lender, consistent with other borrowing
alternatives under this Credit Agreement.

     2.19.3. Making of Swing Line Loans. Promptly after receipt of a Swing Line
             --------------------------
Borrowing Notice, the Administrative Agent shall notify the Swing Line Lender by
fax, or other similar form of transmission, of the requested Swing Line Loan.
Not later than 2:00 p.m. (Chicago time) on the applicable Borrowing Date, the
Swing Line Lender shall make available the Swing Line Loan, in funds immediately
available in Chicago, to the Administrative Agent at its address specified
pursuant to Article XV. The Administrative Agent will promptly make the funds so
received from the Swing Line Lender available to the applicable Borrower on the
Borrowing Date at the Administrative Agent's aforesaid address.

     2.19.4. Repayment of Swing Line Loans. The Borrowers may at any time pay,
             -----------------------------
without penalty or premium, all outstanding Swing Line Loans upon notice to the
Administrative Agent and the Swing Line Lender. Each Swing Line Loan shall be
paid in full by the applicable Borrower on or before the seventh (7th) Business
Day after the Borrowing Date for such Swing Line Loan. In addition, the Swing
Line Lender (a) may at any time in its sole discretion with respect to any
outstanding Swing Line Loan, or (b) shall on the seventh (7th) Business Day
after the Borrowing Date of any Swing Line Loan, require each Lender (including
the Swing Line Lender) to make a Ratable Loan pursuant to Section 2.2 hereof for
the purpose of repaying such Swing Line Loan. Not later than noon (Chicago time)
on the date of any notice received pursuant to this Section 2.19.4, each Lender
shall make available its required Ratable Loan, in funds immediately available
in Chicago to the Administrative Agent at its address specified pursuant to
Article XV. Unless a Lender shall have notified the Swing Line Lender, prior to
its making any Swing Line Loan, that any applicable condition precedent set
forth in Section 4.2 had not then been satisfied (assuming that a Swing Line
Loan is an Advance), such Lender's obligation to make Ratable Loans pursuant to
this Section 2.19.4 to repay Swing Line Loans shall be unconditional,
continuing, irrevocable and absolute and shall not be affected by any
circumstances, including, without limitation, (i) any set-off, counterclaim,
recoupment, defense or other right which such Lender may have against the
Administrative Agent, the Swing Line Lender or any other Person, (ii) the
occurrence or continuance of a Default or Unmatured Default, (iii) any adverse
change in the condition (financial or otherwise) of Midas and its Subsidiaries,
or (iv) any other circumstances, happening or event whatsoever. In the event
that any Lender fails to make payment to the Administrative Agent of any amount
due under this Section 2.19.4, the Administrative Agent shall be entitled to
receive, retain and apply against such obligation the principal and interest
otherwise payable to such Lender hereunder until the Administrative Agent
receives such payment from such Lender or such obligation is otherwise fully
satisfied. In addition to the foregoing, if for any reason any Lender fails to
make payment to the Administrative Agent of any amount due under this Section
2.19.4, such Lender shall be deemed, at the option of the Administrative Agent,
to have

                                     - 7 -

<PAGE>

unconditionally and irrevocably purchased from the Swing Line Lender, without
recourse or warranty, an undivided interest and participation in the applicable
Swing Line Loan in the amount of such Ratable Loan, and such interest and
participation may be recovered from such Lender together with interest thereon
at the Federal Funds Effective Rate for each day during the period commencing on
the date of demand and ending on the date such amount is received. On the
Facility Termination Date, the Borrowers shall repay in full the outstanding
principal balance of the Swing Line Loans.

     (j) Section 6.13(g) of the Credit Agreement is deleted in its entirety and
replaced with the following:

          (g) Purchases, so long as both before and after giving effect to such
     Purchase, no Default or Unmatured Default shall exist (determined, with
     respect to Section 6.18, on a pro forma basis based upon the financial
     statements of Midas and the Person whose assets or stock are being
     purchased, as reviewed or audited by a big five accounting firm as of the
     end of the preceding Fiscal Quarter, including with respect to EBITDA (for
     the preceding four Fiscal Quarters), Fixed Charges, and Indebtedness);
     provided, that to the extent that the aggregate consideration paid in
     respect of all Purchases made after November 9, 2001 exceeds $5,000,000,
     then in addition the Debt to EBITDA Ratio (determined as set forth above)
     shall be less than or equal to 2.75:1.0 after giving effect to each such
     Purchase.

     (k) Section 6.18.2 of the Credit Agreement is deleted in its entirety and
replaced with the following:

          6.18.2 Debt to EBITDA Ratio. As of the end of each Fiscal Quarter,
                 --------------------
     maintain a Debt to EBITDA Ratio not to exceed the ratio set forth below for
     the corresponding Fiscal Quarter:

<TABLE>
<CAPTION>
-------------------------------------------------------- -----------------------------------------------
                 Fiscal Quarter Ending                                        Ratio
-------------------------------------------------------- -----------------------------------------------
<S>                                                                          <C>
                   December 29, 2001                                         3.50:1.0
-------------------------------------------------------- -----------------------------------------------
                     March 30, 2002                                          3.50:1.0
-------------------------------------------------------- -----------------------------------------------
                     June 29, 2002                                           3.25:1.0
-------------------------------------------------------- -----------------------------------------------
   September 28, 2002 and each Fiscal Quarter ending                         2.75:1.0
                       thereafter
-------------------------------------------------------- -----------------------------------------------
</TABLE>

     (l) Section 8.1 of the Credit Agreement is amended by adding a reference to
"or Swing Line Loans" after each reference therein to "Loans".

     (m) Section 8.2 of the Credit Agreement is amended by adding the following
new sentence at the end thereof:

     No amendment of any provision of this Agreement relating to the Swing Line
     Lender or any Swing Line Loans shall be effective without the written
     consent of the Swing Line Lender.

                                     - 8 -

<PAGE>

     (n) The Credit Agreement is amended by adding thereto a new Schedule I in
the form of Schedule I attached hereto and made a part hereof.

     (o) The Credit Agreement is amended by adding thereto a new Exhibit I in
the form of Exhibit I attached hereto and made a part hereof.

     2. Representations and Warranties of the Borrowers. Each Borrower
        -----------------------------------------------
represents and warrants that:

     (a) The execution, delivery and performance by such Borrower of this
Amendment have been duly authorized by all necessary corporate action and that
this Amendment is a legal, valid and binding obligation of such Borrower
enforceable against such Borrower in accordance with its terms, except as the
enforcement thereof may be subject to (i) the effect of any applicable
bankruptcy, insolvency, reorganization, moratorium or similar law affecting
creditors' rights generally and (ii) general principles of equity (regardless of
whether such enforcement is sought in a proceeding in equity or at law);

     (b) Each of the representations and warranties contained in the Credit
Agreement is true and correct in all material respects on and as of the date
hereof as if made on the date hereof, except to the extent that any such
representation or warranty is stated to relate solely to an earlier date, in
which case such representation or warranty shall have been true and correct on
and as of such earlier date;

     (c) After giving effect to this Amendment, no Default or Unmatured Default
has occurred and is continuing.

     3. Effective Date. Section 1 of this Amendment shall become effective upon
        --------------  ---------
satisfaction of the following conditions:

     (a) Executed Amendment. Receipt by the Administrative Agent of duly
         ------------------
executed counterparts of this Amendment from the Administrative Agent, the
Borrowers and the Lenders.

     (b) Mandatory Prepayment. Receipt by the Administrative Agent of a
         --------------------
prepayment in the amount, if any, by which the sum of (i) the aggregate
principal amount of all outstanding Advances and (ii) all Facility Letter of
Credit Obligations exceeds the amount of the Aggregate Commitment, as reduced
hereby.

     (c) Amendment Fees. The Borrowers shall have paid to (i) the Administrative
         --------------
Agent, for the benefit of the Lenders party hereto (provided that such Lenders
execute and deliver counterparts of this Amendment to the Administrative Agent
prior to 5:00 p.m. (Chicago time) on November 9, 2001), an amendment fee in an
amount equal to 12.5 basis points on each such Lender's Commitment and (ii) the
Administrative Agent, for its own account, the fees agreed to by the Borrowers
and the Arranger pursuant to that certain letter agreement dated November 2,
2001.

                                     - 9 -

<PAGE>

     (d) Miscellaneous. Receipt by the Administrative Agent of such other
         -------------
documents, certificates, instruments and opinions as may reasonably be requested
in advance of the date hereof by it.

  4. Reference to and Effect Upon the Credit Agreement.
     -------------------------------------------------

     (a) Except as specifically amended above, the Credit Agreement and the
other Loan Documents shall remain in full force and effect and are hereby
ratified and confirmed.

     (b) The execution, delivery and effectiveness of this Amendment shall not
operate as a waiver of any right, power or remedy of the Administrative Agent or
any Lender under the Credit Agreement or any Loan Document, nor constitute a
waiver of any provision of the Credit Agreement or any Loan Document, except as
specifically set forth herein. Upon the effectiveness of this Amendment, each
reference in the Credit Agreement to "this Agreement," "hereunder," "hereof,"
"herein" or words of similar import shall mean and be a reference to the Credit
Agreement as amended hereby.

    5. Costs and Expenses. The Borrowers hereby affirm their joint and several
       ------------------
obligation under Section 9.6 of the Credit Agreement to reimburse the
Administrative Agent for all reasonable costs, internal charges and
out-of-pocket expenses paid or incurred by the Administrative Agent in
connection with the preparation, negotiation, execution and delivery of this
Amendment, including but not limited to the attorneys' fees and time charges of
attorneys for the Administrative Agent with respect thereto.

    6. GOVERNING LAW. THIS AMENDMENT SHALL BE GOVERNED BY AND CONSTRUED IN
       -------------
ACCORDANCE WITH THE INTERNAL LAWS (AS OPPOSED TO CONFLICTS OF LAWS PROVISIONS)
OF THE STATE OF ILLINOIS BUT GIVING EFFECT TO FEDERAL LAWS APPLICABLE TO
NATIONAL BANKS.

    7. Headings. Section headings in this Amendment are included herein for
       --------
convenience of reference only and shall not constitute a part of this Amendment
for any other purposes.

    8. Counterparts. This Amendment may be executed in any number of
       ------------
counterparts, each of which when so executed shall be deemed an original but all
such counterparts shall constitute one and the same instrument.

    9. Reaffirmation of Guaranty. Each of Midas and International hereby
       -------------------------
reaffirms its obligations under Article XIII and Article XIV, respectively, of
the Credit Agreement.

                            [signature pages follow]

                                     - 10 -

<PAGE>

     IN WITNESS WHEREOF, the parties have executed this Amendment as of the date
and year first above written.

                                   MIDAS, INC.

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

                                  MIDAS INTERNATIONAL CORPORATION

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

                                  BANK ONE, NA (formerly known as The First
                                  National Bank of Chicago), individually and as
                                  Administrative Agent

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

                                  CREDIT SUISSE FIRST BOSTON, individually
                                  and as Co-Agent

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

                                  ABN AMRO BANK N.V.

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

<PAGE>

                                  BANQUE NATIONALE DE PARIS - CHICAGO

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

                                  THE FUJI BANK, LIMITED

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

                                  THE NORTHERN TRUST COMPANY

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

                                  U.S. BANK NATIONAL ASSOCIATION (formerly known
                                  as Mercantile Bank National Association)

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

<PAGE>

                                   SCHEDULE I

                                  COMMITMENTS
                                  -----------

------------------------------------------------ --------------------------
                                Lender                  Commitment
------------------------------------------------ --------------------------
     Bank One, NA                                      $33,750,000
------------------------------------------------ --------------------------
     Credit Suisse First Boston                        $23,625,000
------------------------------------------------ --------------------------
     ABN AMRO Bank N.V.                                $16,875,000
------------------------------------------------ --------------------------
     Banque Nationale de Paris - Chicago               $16,875,000
------------------------------------------------ --------------------------
     The Fuji Bank, Limited                            $16,875,000
------------------------------------------------ --------------------------
     The Northern Trust Company                        $16,875,000
------------------------------------------------ --------------------------
     U.S. Bank National Association                    $10,125,000
------------------------------------------------ --------------------------
         Aggregate Commitment:                         $135,000,000
------------------------------------------------ --------------------------

<PAGE>

                                    EXHIBIT I

                             FORM OF SWING LINE NOTE
                             -----------------------

                                 SWING LINE NOTE

$5,000,000                                                      November 9, 2001

         Midas, Inc. and Midas International Corporation (collectively, the
"Borrower"), jointly and severally promise to pay to Bank One, NA (the "Swing
Line Lender") the lesser of the principal sum of Five Million Dollars
($5,000,000) or the aggregate unpaid principal amount of all Swing Line Loans
made by the Swing Line Lender to the Borrowers pursuant to Section 2.19 of the
Agreement (as hereinafter defined), in immediately available funds at the main
office of Bank One, NA in Chicago, Illinois, together with interest on the
unpaid principal amount hereof at the rates and on the dates set forth in the
Agreement.

         The Swing Line Lender shall, and is hereby authorized to, record on the
schedule attached hereto, or to otherwise record in accordance with its usual
practice, the date and amount of each Swing Line Loan and the date and amount of
each principal payment hereunder; provided, however, that neither the failure to
so record nor any error in this recordation shall affect the Borrowers'
obligations under this Note.

         This Note is one of the Swing Line Notes issued pursuant to, and is
entitled to the benefits of, the Credit Agreement, dated as of January 22, 1998
(as amended through the date hereof and as the same may be further amended,
modified, restated or supplemented and in effect from time to time, the
"Agreement"), among the Borrowers, the lenders party thereto, including the
Swing Line Lender, and Bank One, NA, as Administrative Agent, and Credit Suisse
First Boston, as Co-Agent, to which Agreement reference is hereby made for a
statement of the terms and conditions governing this Note, including the terms
and conditions under which this Note may be prepaid or its maturity date
accelerated. Capitalized terms used but not otherwise defined herein are used
with the meanings attributed to them in the Agreement.

                                  MIDAS, INC.

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

                                  MIDAS INTERNATIONAL CORPORATION

                                  By:
                                      -----------------------------------------
                                  Its:
                                       ----------------------------------------

<PAGE>

                   SCHEDULE OF LOANS AND PAYMENTS OF PRINCIPAL
                                       TO
                               SWING LINE NOTE OF
                                   MIDAS, INC.
                                       AND
                         MIDAS INTERNATIONAL CORPORATION
                             DATED NOVEMBER 9, 2001

                Principal     Maturity of Interest   Principal
Date         Amount of Loan          Period         Amount Paid   Unpaid Balance
----         --------------          ------         -----------   --------------<PAGE>
                                                                   Exhibit 10.11

                           CHANGE IN CONTROL AGREEMENT

This CHANGE IN CONTROL AGREEMENT dated as of _______________, (the "Effective
Date"), between MIDAS, INC., a Delaware corporation (the "Company"), and
________________ (the "Executive").

     WHEREAS, the Company's Board of Directors has determined that, in light of
the importance of the Executive's continued services to the stability and
continuity of management of the Company and its subsidiaries, it is appropriate
and in the best interests of the Company and of its shareholders to reinforce
and encourage the Executive's continued disinterested attention and undistracted
dedication to his duties in the potentially disturbing circumstances of a
possible change in control of the Company by providing some degree of personal
financial security;

     WHEREAS, in order to induce the Executive to remain in the employ of the
Company or a subsidiary of the Company (a "Subsidiary"), the Company's Board of
Directors has determined that it is desirable to pay the Executive the severance
compensation set forth below if the Executive's employment with the Company or a
Subsidiary terminates in one of the circumstances described below following a
Change in Control (as defined below);

     NOW, THEREFORE, in consideration of the premises and the mutual covenants
contained in this Agreement, the Company and the Executive agree as follows:

     1. Term of Agreement. (a) The term of this Agreement shall commence on the
        -----------------
Effective Date and shall terminate, except to the extent that any obligation of
the Company hereunder remains unpaid as of such time, on the earlier to occur of
the date on which the Executive reaches age 65 and the third anniversary of the
Effective Date, subject to extension as provided in Section 1(b) below;
provided, however, that this Agreement shall continue in effect until the
earlier to occur of the date on which the Executive reaches age 65 and the date
three years beyond the initial or any extended date of termination of this
Agreement if a Change in Control shall have occurred prior to such date of
termination of this Agreement (and shall continue for such additional period as
any obligation of the Company under this Agreement shall remain unpaid).

<PAGE>

     (b) Commencing on the date after the Effective Date and continuing on each
date thereafter (each such date being hereinafter referred to as a "Renewal
Date"), the term of this Agreement shall be automatically extended so as to
terminate three years thereafter, unless at least 60 days prior to a specified
Renewal Date the Company shall give written notice to the Executive that the
term of this Agreement shall not be so extended.

     2. Change in Control. No compensation shall be payable under this Agreement
        -----------------
unless and until (a) there shall have been a Change in Control while the
Executive is still an employee of the Company or a Subsidiary, and (b) the
Executive's employment by the Company or a Subsidiary thereafter shall have been
terminated in accordance with Section 3 of this Agreement.

For purposes of this Agreement, a "Change in Control" shall mean:

     (i) the acquisition by any individual, entity or group (a "Person"),
     including any "person" within the meaning of Section 13(d)(3) or 14(d)(2)
     of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), of
     beneficial ownership within the meaning of Rule 13d-3 promulgated under the
     Exchange Act, of 25% or more of either (A) the then outstanding shares of
     common stock of the Company (the "Outstanding Common Stock") or (B) the
     combined voting power of the then outstanding securities of the Company
     entitled to vote generally in the election of directors (the "Outstanding
     Voting Securities"); excluding, however, the following: (1) any acquisition
     directly from the Company (excluding any acquisition resulting from the
     exercise of an exercise, conversion or exchange privilege unless the
     security being so exercised, converted or exchanged was acquired directly
     from the Company), (2) any acquisition by the Company, (3) any acquisition
     by an employee benefit plan (or related trust) sponsored or maintained by
     the Company or any corporation controlled by the Company or (4) any
     acquisition by any corporation pursuant to a transaction which complies
     with clauses (A), (B) and (C) of clause (iii) in this definition of Change
     in Control;

     (ii) individuals who, as of the Effective Date, constitute the Board of
     Directors of the Company (the "Incumbent Board") cease for any reason to
     constitute at least a majority of such Board; provided that any individual
     who becomes a director of the Company subsequent to the Effective Date
     whose election, or nomination for election by the Company's shareholders,
     was approved by the vote of at least a majority of the directors then
     comprising the Incumbent Board shall be deemed a member of the Incumbent
     Board; and provided further, that any individual who was initially elected
     as a director of the Company as a result of an actual or threatened
     election contest, as such terms are used in Rule 14a-11 of Regulation 14A
     promulgated under the Exchange Act, or any other actual or threatened
     solicitation of proxies or consents by or on behalf of any Person other
     than the Board shall not be deemed a member of the Incumbent Board;

<PAGE>

     (iii) the consummation of a reorganization, merger or consolidation of the
     Company or sale or other disposition of all or substantially all of the
     assets of the Company (a "Corporate Transaction"); excluding, however, a
     Corporate Transaction pursuant to which (A) all or substantially all of the
     individuals or entities who are the beneficial owners, respectively, of the
     Outstanding Common Stock and the Outstanding Voting Securities immediately
     prior to such Corporate Transaction will beneficially own, directly or
     indirectly, more than 66-2/3% of, respectively, the outstanding shares of
     common stock, and the combined voting power of the outstanding securities
     of such corporation entitled to vote generally in the election of
     directors, as the case may be, of the corporation resulting from such
     Corporate Transaction (including, without limitation, a corporation which
     as a result of such transaction owns the Company or all or substantially
     all of the Company's assets either directly or indirectly) in substantially
     the same proportions relative to each other as their ownership, immediately
     prior to such Corporate Transaction, of the Outstanding Common Stock and
     the Outstanding Voting Securities, as the case may be, (B) no Person (other
     than: the Company; any employee benefit plan (or related trust) sponsored
     or maintained by the Company or any corporation controlled by the Company;
     the corporation resulting from such Corporate Transaction; and any Person
     which beneficially owned, immediately prior to such Corporate Transaction,
     directly or indirectly, 25% or more of the Outstanding Common Stock or the
     Outstanding Voting Securities, as the case may be) will beneficially own,
     directly or indirectly, 25% or more of, respectively, the outstanding
     shares of common stock of the corporation resulting from such Corporate
     Transaction or the combined voting power of the outstanding securities of
     such corporation entitled to vote generally in the election of directors
     and (C) individuals who were members of the Incumbent Board will constitute
     at least a majority of the members of the board of directors of the
     corporation resulting from such Corporate Transaction; or

     (iv) the consummation of a plan of complete liquidation or dissolution of
the Company.

     3. Termination Following Change in Control. (a) If a Change in Control
        ---------------------------------------
shall have occurred while the Executive is still an employee of the Company or a
Subsidiary, the Executive shall be entitled to the compensation provided in
Section 4 of this Agreement upon the subsequent termination of the Executive's
employment with the Company or Subsidiary within three years of the date upon
which the Change in Control shall have occurred, unless such termination is as a
result of (i) the Executive's death, (ii) the Executive's Disability (as defined
in Section 3(b) below), (iii) the Executive's Retirement (as defined in Section
3(c) below), (iv) the Executive's termination for Cause (as defined in Section
3(d) below), or (v) the Executive's decision to terminate employment other than
for Good Reason (as defined in Section 3(e) below). Notwithstanding anything to
the contrary in this Agreement, if a Change in Control occurs and if the
Executive's employment with the Company or a Subsidiary was terminated prior to
the date on which the Change in Control occurs, and if it is

<PAGE>

reasonably demonstrated by the Executive that such termination of employment (i)
was at the request of a third party who had taken steps reasonably calculated to
effect the Change in Control, or (ii) otherwise arose in connection with or
anticipation of the Change in Control, then for all purposes of this Agreement,
the termination of the Executive's employment shall be deemed to have occurred
immediately following the Change in Control.

     (b) Disability. If, as a result of the Executive's incapacity due to a
         ----------
medically determinable physical or mental illness which can be expected to be
permanent or of indefinite duration (as certified in writing by a physician
selected by the Company and reasonably acceptable to the Executive), the
Executive shall qualify for benefits under the long-term disability plan of the
Company or a Subsidiary and shall have been absent from his duties with the
Company or a Subsidiary on a full-time basis for a continuous period of six
months commencing with the date of the Change in Control or the first day of
such absence (whichever is later) the Company or such Subsidiary may terminate
the Executive's employment for "Disability" without the Executive being entitled
to the compensation provided in Section 4.

     (c) Retirement. The term "Retirement" as used in this Agreement shall mean
         ----------
termination by the Company or a Subsidiary or the Executive of the Executive's
employment based on the Executive having reached age 65 without the Executive
being entitled to the compensation provided in Section 4. Termination based on
"Retirement" shall not include, for purposes of this Agreement, the Executive's
taking of early retirement by reason of a termination by the Executive of his
employment for Good Reason.

     (d) Cause. The Company or a Subsidiary may terminate the Executive's
         -----
employment for Cause without the Executive being entitled to the compensation
provided in Section 4. For purposes of this Agreement, the Company or Subsidiary
shall have "Cause" to terminate the Executive's employment only on the basis of
(i) the Executive's willful and continued failure substantially to perform his
duties with the Company or Subsidiary (other than any such failure resulting
from his incapacity due to physical or mental illness or any such failure
resulting from the Executive's termination for Good Reason), after a written
demand for substantial performance is delivered to the Executive by the Chief
Executive Officer (or if the Executive is Chief Executive

<PAGE>

Officer, by the Board of Directors) which specifically identifies the manner in
which the Chief Executive Officer (or the Board of Directors if the Executive is
Chief Executive Officer) believes that the Executive has not substantially
performed his duties, or (ii) the Executive's willful engagement in gross
conduct materially and demonstrably injurious to the Company or a Subsidiary.
For purposes of this subsection, no act or failure to act on the Executive's
part shall be considered "willful" unless done, or omitted to be done, by the
Executive not in good faith and without reasonable belief that his action or
omission was in the best interest of the Company or a Subsidiary. The Executive
shall not be deemed to have been terminated for Cause unless and until there
shall have been delivered to the Executive a written statement of the Chief
Executive Officer (or if the Executive is Chief Executive Officer, a copy of a
resolution duly adopted by the affirmative vote of not less than two-thirds of
the entire membership of the Board of Directors at a duly convened meeting of
the Board of Directors), finding that in the good faith opinion of the Chief
Executive Officer (or the Board of Directors if the Executive is Chief Executive
Officer) the Executive was guilty of conduct set forth in clause (i) or (ii) of
the second sentence of this Section 3(d) and specifying the particulars thereof
in detail.

     (e) Good Reason. The Executive may terminate the Executive's employment
         -----------
with the Company or a Subsidiary for Good Reason within three years after a
Change in Control and during the term of this Agreement and become entitled to
the compensation provided in Section 4. For purposes of this Agreement, "Good
Reason" shall mean any of the following events, unless it occurs with the
Executive's express prior written consent:

     (i) the assignment to the Executive by the Company or a Subsidiary of any
     duties inconsistent with, or a diminution of, the Executive's position,
     duties, titles, offices, responsibilities or status with the Company or a
     Subsidiary immediately prior to a Change in Control, or any removal of the
     Executive from or any failure to reelect the Executive to any of such
     positions, except in connection with the termination of the Executive's
     employment for Disability, Retirement or Cause or as a result of the
     Executive's death or by the Executive other than for Good Reason;

     (ii) a reduction by the Company or a Subsidiary in the Executive's base
     salary as in effect on the date hereof or as the same may be increased from
     time to time during the term of this Agreement or the Company's or
     Subsidiary's failure to increase (within 15 months of the Executive's last
     increase in base salary) the Executive's base salary after a Change in
     Control in an amount which is substantially similar, on a percentage basis,
     to the average

<PAGE>

     percentage increase in base salary for all officers of the Company or the
     Subsidiary effected during the preceding 12 months, other than a reduction
     of the Executive's base salary pursuant to the terms of the short-term or
     long-term disability plans of the Company or a Subsidiary during a period
     in which the Executive is disabled (within the meaning of such plan or
     plans) and qualifies for benefits under such plan or plans;

     (iii) any failure by the Company or a Subsidiary to continue in effect any
     benefit plan or arrangement (including, without limitation, any pension or
     retirement plan, employee stock ownership plan, group life insurance plan,
     medical, dental, accident and disability plans and educational assistance
     reimbursement plan) in which the Executive is participating at the time of
     a Change in Control (or to substitute and continue other plans providing
     the Executive with substantially similar benefits) (hereinafter referred to
     as "Benefit Plans"), the taking of any action by the Company or a
     Subsidiary which would adversely affect the Executive's participation in or
     materially reduce the Executive's benefits under any such Benefit Plan or
     deprive the Executive of any material fringe benefit enjoyed by the
     Executive at the time of a Change in Control, or the failure by the Company
     or Subsidiary to provide the Executive with the number of paid vacation
     days to which the Executive is entitled in accordance with the vacation
     policies in effect at the time of a Change in Control;

     (iv) any failure by the Company or a Subsidiary to continue in effect any
     incentive plan or arrangement (including, without limitation, the Company's
     annual bonus and contingent bonus arrangements and credits and the right to
     receive performance awards and similar incentive compensation benefits) in
     which the Executive is participating at the time of a Change in Control (or
     to substitute and continue other plans or arrangements providing the
     Executive with substantially similar benefits) (hereinafter referred to as
     "Incentive Plans") or the taking of any action by the Company or a
     Subsidiary which would adversely affect the Executive's participation in
     any such Incentive Plan or reduce the Executive's benefits under any such
     Incentive Plan in an amount which is not substantially similar, on a
     percentage basis, to the average percentage reduction of benefits under any
     such Incentive Plan effected during the preceding 12 months for all
     officers of the Company or a Subsidiary participating in any such Incentive
     Plan;

     (v) any failure by the Company or a Subsidiary to continue in effect any
     plan or arrangement to receive securities of the Company or awards the
     value of which is derived from securities of the Company (including,
     without limitation, the Company's Stock Incentive Plan and any other plan
     or arrangement to receive and exercise stock options, stock appreciation
     rights, restricted stock, phantom stock or grants thereof or to acquire
     stock or other securities of the Company) in which the Executive is
     participating at the time of a Change in Control (or to substitute and
     continue plans or arrangements providing the Executive with substantially
     similar benefits) (hereinafter referred to as "Securities Plans") or the
     taking of any action by the Company or a Subsidiary which would adversely
     affect the Executive's participation in or materially reduce the
     Executive's benefits under any such Securities Plan;

     (vi) a relocation of the Company's principal executive offices or the
     Executive's relocation to any metropolitan area other than the metropolitan
     area in which the Executive performed the Executive's duties immediately
     prior to a Change in Control;

<PAGE>

     (vii) a substantial increase in the Executive's business travel obligations
     over such obligations as they existed at the time of a Change in Control;

     (viii) any material breach by the Company or a Subsidiary of any provision
     of this Agreement;

     (ix) any failure by the Company to obtain the assumption of this Agreement
     by any successor or assign of the Company pursuant to Section 8(a); or

     (x) any purported termination by the Company or a Subsidiary of the
     Executive's employment which is not effected pursuant to a Notice of
     Termination satisfying the requirements of Section 3(f), including any
     purported termination of employment under the circumstances described in
     the last sentence of Section 3(a); or

     (xi) a termination of employment by the Executive for any reason during the
     30 day period immediately following the first anniversary upon which the
     Change in Control shall have occurred.

     (f) Notice of Termination. Any termination of the Executive's employment by
         ---------------------
the Company or a Subsidiary pursuant to Section 3(b), 3(c) or 3(d) or by the
Executive pursuant to Section 3(e) shall be communicated to the other party by a
Notice of Termination. For purposes of this Agreement, a "Notice of Termination"
shall mean a written notice which shall indicate the specific termination
provision in this Agreement relied upon and which sets forth in reasonable
detail the facts and circumstances claimed to provide a basis for termination of
the Executive's employment under the provision so indicated. For purposes of
this Agreement, no such purported termination by the Company or Subsidiary shall
be effective without such Notice of Termination.

     (g) Date of Termination. "Date of Termination" shall mean (a) if the
         -------------------
Executive's employment is terminated by the Company or a Subsidiary for
Disability, 30 days after Notice of Termination is given to the Executive
(provided that the Executive shall not have returned to the performance of the
Executive's duties on a full-time basis during such 30-day period) or (b) if the
Executive's employment is terminated for any other reason, the date on which a
Notice of Termination is given.

    4. Severance Compensation upon Termination. (a) If the Executive's
       ---------------------------------------
employment by the Company or a Subsidiary is terminated (i) by the Company or
Subsidiary pursuant to Section 3(b), 3(c) or 3(d) or by reason of death or (ii)
by the Executive other than for Good Reason, the Executive

<PAGE>

shall not be entitled to any severance compensation under this Agreement, but
the absence of the Executive's entitlement to any benefits under this Agreement
shall not prejudice the Executive's right to the full realization of any and all
other benefits to which the Executive shall be entitled pursuant to the terms of
any employee benefit plans or other agreements or policies of the Company or a
Subsidiary in which the Executive is a participant or to which the Executive is
a party.

     (b) If the Executive's employment by the Company or a Subsidiary is
terminated (x) by the Company or such Subsidiary other than pursuant to Section
3(b), 3(c) or 3(d) or by reason of death or (y) by the Executive for Good
Reason, then the Executive shall be entitled to the severance compensation
provided below:

     (i) In lieu of any further salary or incentive payments to the Executive
     for periods subsequent to the Date of Termination, the Company shall pay in
     cash as severance compensation to the Executive at the time specified in
     subsection (ii) below, a lump-sum severance payment equal to three (3)
     times the Executive's Adjusted Annual Compensation. For purposes of this
     Agreement, "Adjusted Annual Compensation" shall mean the sum of (x) an
     amount equal to the highest level of the Executive's annual base salary in
     effect (calculated prior to any deferral of salary, qualified or
     nonqualified) between the time of the Change in Control and the Date of
     Termination, (y) an amount equal to the greater of the amounts earned by
     the Executive under the annual incentive compensation plan of the Company
     or a Subsidiary for the two preceding calendar years (calculated prior to
     any deferral of salary, qualified or nonqualified), or, if the Executive
     has participated in such plan for only one year, an amount equal to the
     amount earned under such plan for the preceding calendar year, and (z) an
     amount equal to one-third of the sum of the amounts of the current "Target"
     values for the Executive under any annual or long term incentive
     compensation plans of the Company or a Subsidiary, such Target values to be
     prorated from the beginning of the applicable measurement period for each
     such plan through the end of the month in which the Date of Termination
     occurs.

     (ii) The severance compensation provided for in subsection (i) above shall
     be paid not later than the 10th day following the Date of Termination;
     provided, however, that, if the amount of such compensation cannot be
     finally determined on or before such day, the Company shall pay to the
     Executive on such day an estimate, as determined in good faith by the
     Company, of the minimum amount of such compensation and shall pay the
     remainder of such compensation (together with interest at the rate provided
     in Section 1274(b)(2)(B) of the Internal Revenue Code of 1986, as amended
     (the "Code")) as soon as the amount thereof can be determined, but in no
     event later than the 30th day after the Date of Termination. In the event
     that the amount of the estimated payment exceeds the amount subsequently
     determined to have been payable, such excess shall constitute a loan by the
     Company to the Executive payable on the 30th day after demand by the
     Company

<PAGE>

     (together with interest at the rate provided in Section 1274(b)(2)(B) of
     the Code, commencing on the 31st day following such demand).

     (iii) The Company shall arrange to provide the Executive for a period of
     thirty-six (36) months following the Date of Termination or until the
     Executive's earlier death, with life, medical, dental, accident and
     disability insurance benefits and a package of "executive benefits",
     including to the extent applicable capital assessments and dues for
     pre-existing club memberships and the use of an automobile or an allowance
     therefor (collectively, "Employment Benefits"), substantially similar to
     those which the Executive was receiving immediately prior to the Date of
     Termination.

     (iv) During the term of this Agreement and through the period of thirty-six
     (36) months following the Date of Termination, all benefits under any
     pension or retirement plans, employee stock ownership plan or any other
     plan or agreement relating to retirement benefits (collectively,
     "Retirement Benefits") in which the Executive participates shall continue
     to accrue to the Executive, crediting of service of the Executive with
     respect to Retirement Benefits shall continue, and the Executive shall be
     entitled to receive all Retirement Benefits provided to the Executive as a
     fully vested participant under any such plan or agreement relating to
     retirement benefits. No contributions shall be required to be made by the
     Executive to any plan providing for employee contributions following the
     Date of Termination. To the extent that the amount of any Retirement
     Benefits are or would be payable from a nonqualified plan, the Company
     shall, as soon as practicable following the Date of Termination (but in no
     event later than the 30th day after the Date of Termination), pay directly
     to the Executive in one lump sum, cash in an amount equal to the additional
     benefits that would have been provided had such accrual or crediting been
     taken into account in calculating such Retirement Benefits. Such lump sum
     payment shall be calculated as provided in the relevant plan and, in the
     case of a defined contribution plan, shall include an amount equal to the
     gross amount of the maximum employer contributions.

     (v) The Company will be deemed to have forgiven and released an amount of
     the outstanding principal, if any, of the Promissory Note dated
     _____________ (the "Note") executed by the Executive in favor of the
     Company as part of the Company's Executive Stock Ownership Program (the
     "Program") equal to the excess of (a) such outstanding principal amount
     over (b) the product of (i) the number of shares of the Company's Common
     Stock acquired by the Executive pursuant to the Program in consideration of
     the Note (such number to be equitably adjusted for stock splits, stock
     dividends and the like) multiplied by (ii) the Fair Market Value (as
     defined below) of a share of Common Stock on the Measurement Date (as
     defined below). For purposes of this Agreement, the "Fair Market Value" of
     a share of Common Stock of the Company means, as of the date in question,
     the officially-quoted closing selling price of the stock (or if no selling
     price is quoted, the bid price) on the principal securities exchange on
     which the Common Stock is then listed for trading (including, for this
     purpose, the Nasdaq National Market) (the "Market") for the applicable
     trading day or, if the date in question is not a trading day, on the
     preceding trading day. Also for purposes of this Agreement, the
     "Measurement Date" is the Date of Termination or, if the Company's Common
     Stock is no longer traded in the Market, the last day on which such Common
     Stock was traded in the Market.

<PAGE>

     (c) In the event the severance compensation payable under this Section 4,
either alone or together with any other payments to the Executive from the
Company or a Subsidiary (including, but not limited to, payments under the
Company's Stock Incentive Plan or any agreement or award issued pursuant to such
Plan or any successor plan), would constitute a "parachute payment" (as defined
in Section 280G of the Code), and subject the Executive to the excise tax
imposed by Section 4999 of the Code, the Company shall pay the Executive, as
additional severance compensation hereunder and payable at the same time or
times as such severance compensation, the amount of such excise tax and any
additional taxes payable by the Executive by reason of such payment (on the
basis of a customary "gross-up" formula), as calculated by the Company. The
Company agrees to indemnify and hold harmless the Executive from and against any
liability for the payment of additional taxes arising from any deficiency in the
amount of such excise tax and any additional taxes thereon so calculated by the
Company, together with any interest or penalties applicable thereto; provided,
however, that it shall be a condition of this obligation to indemnify and hold
harmless the Executive that the Executive shall have timely notified the Company
of any proposed assessment relating to any claimed deficiency therein and
offered the Company the right to contest such assessment or participate in, at
the expense of the Company, any proceeding relating thereto.

     5. Payment of Taxes; Continuation of Employment.
        --------------------------------------------

Notwithstanding any other provision of this Agreement or the premises hereto, in
the event the Executive is entitled to receive compensation (whether in the form
of cash, securities or other form of compensation) under or pursuant to any plan
or agreement of or with the Company or a Subsidiary as the result of a Change in
Control, the Company shall pay to the Executive any applicable excise tax, and
any taxes thereon, and shall indemnify and hold harmless the Executive in
respect thereof, as provided in Section 4(c) above, regardless of whether the
employment of the Executive with the Company or a Subsidiary shall have
terminated.

     6. Certain Additional Payments by the Company. Notwithstanding any other
        ------------------------------------------
provision of this Agreement or the premises hereto, in the event the Executive
is entitled to receive compensation (whether in the form of cash, securities or
other form of compensation) under or

<PAGE>

pursuant to any plan or agreement of or with the Company or a Subsidiary as the
result of a Change in Control:

     (a) if, at the time of the Executive's termination, he is also entitled to
take early retirement under the Company retirement plan, the Company shall
provide the Executive with a lumpsum payment sufficient to compensate the
Executive for the difference between his normal early retirement benefit under
the Company retirement plan, and the amount to which the Executive would have
been entitled under the Company retirement plan if he had retired at age 65; and

     (b) if the Executive was relocated by the Company within the 12 months
immediately preceding a Change in Control, the Company will provide the
Executive with the same benefits for relocation back to his former metropolitan
area.

     7. No Obligation to Mitigate Damages; No Effect on other Contractual
        -----------------------------------------------------------------
Rights. (a) The Executive shall not be required to mitigate damages or the
------
amount of any payment provided for under this Agreement by seeking other
employment or otherwise, nor shall the amount of any payment provided for under
this Agreement be reduced by any compensation earned by the Executive after the
termination of the Executive's employment with the Company or a Subsidiary.

     (b) The provisions of this Agreement, and any payment provided for
hereunder, shall not reduce any amounts otherwise payable, or in any way
diminish the Executive's existing rights, or rights which would accrue solely as
a result of the passage of time, under any Benefit Plan, Incentive Plan or
Securities Plan, employment agreement or other contract, plan or arrangement of
the Company or any Subsidiary.

     8. Successor to the Company. (a) The Company will require any successor or
        ------------------------
assign (whether direct or indirect, by purchase, merger, consolidation or
otherwise) to all or substantially all the business and/or assets of the
Company, by agreement in form and substance satisfactory to the Executive,
expressly, absolutely and unconditionally to assume and agree to perform this
Agreement in the same manner and to the same extent that the Company would be
required to perform it if no such succession or assignment had taken place. Any
failure of the Company to obtain such agreement prior to the effectiveness of
any such succession or assignment shall be a material breach of this Agreement
and shall entitle the Executive to terminate the Executive's employment for Good
Reason.

<PAGE>

As used in this Agreement, "Company" shall mean the Company as hereinbefore
defined and any successor or assign to its business and/or assets as aforesaid
which executes and delivers the agreement provided for in this Section 8 or
which otherwise becomes bound by all the terms and provisions of this Agreement
by operation of law.

     (b) This Agreement shall inure to the benefit of and be enforceable by the
Executive's personal and legal representatives, executors, administrators,
successors, heirs, distributees, devisees and legatees. If the Executive should
die while any amounts are still payable to the Executive hereunder, all such
amounts, unless otherwise provided herein, shall be paid in accordance with the
terms of this Agreement to the Executive's devisees, legatees, or other
designees or, if there be no such designee, to the Executive's estate.

     9. Notices. For purposes of this Agreement, notices and all other
        -------
communications provided for in this Agreement shall be in writing and shall be
given by United States certified mail (return receipt requested, postage
prepaid), by personal delivery or by a nationally recognized express delivery
service, and shall be deemed to have been given when actually received, as
follows:

If to the Company:

               Midas, Inc.
               1300 Arlington Heights Road
               Itasca, Illinois 60143

               Attention of:  General Counsel

If to the Executive, to the Executive's home address as shown on the Company's
personnel records; or such other address as either party may have given to the
other in writing in accordance herewith.

     10. Miscellaneous. No provision of this Agreement may be modified, waived
         -------------
or discharged unless such modification, waiver or discharge is agreed to in
writing signed by the Executive and the Company. No waiver by either party
hereto at any time of any breach by the other party hereto of, or compliance
with, any condition or provision of this Agreement to be performed by such other
party shall be deemed a waiver of similar or dissimilar provisions or conditions
at the same or at any prior or subsequent time. No agreements or
representations, oral or otherwise, express

<PAGE>

or implied, with respect to the subject matter hereof have been made by either
party which are not set forth expressly in this Agreement. This Agreement shall
be governed by and construed in accordance with the laws of the State of
Illinois.

     11. Employment. The Executive agrees to be bound by the terms and
         ----------
conditions of this Agreement and to remain in the employ of the Company or a
Subsidiary during any period following any public announcement by any person of
any proposed transaction or transactions which, if effected, would result in a
Change in Control until a Change in Control has taken place or, in the opinion
of the Board of Directors, such person has abandoned or terminated its efforts
to effect a Change in Control. Subject to the foregoing and to the last sentence
of Section 3(a), nothing contained in this Agreement shall impair or interfere
in any way with the right of the Executive to terminate the Executive's
employment or the right of the Company or any Subsidiary to terminate the
employment of the Executive with or without cause prior to a Change in Control.
Nothing contained in this Agreement shall be construed as a contract of
employment between the Company or any Subsidiary and the Executive or as a right
of the Executive to continue in the employ of the Company or any Subsidiary, or
as a limitation of the right of the Company or any Subsidiary to discharge the
Executive with or without cause prior to a Change in Control.

     12. Validity. The invalidity or unenforceability of any provisions of this
         --------
Agreement shall not affect the validity or enforceability of any other provision
of this Agreement, which shall remain in full force and effect.

     13. Counterparts. This Agreement may be executed in two or more
         ------------
counterparts, each of which shall be deemed to be an original but all of which
together will constitute one and the same instrument.

     14. Legal Fees and Expenses. (a) The Company shall pay all legal fees and
         -----------------------
expenses which the Executive may incur as a result of the Company or a
Subsidiary contesting the validity, enforceability or the Executive's
interpretation of, or determinations under, this Agreement.

      (b) The Company shall pay all legal fees and expenses which the Executive
may incur by reason of the termination of the Executive's employment, other than
as a result of (i) the Executive's death, (ii) the Executive's Disability (as
defined in Section 3(b) above), (iii) the

<PAGE>

Executive's Retirement (as defined in Section 3(c) above), (iv) the Executive's
termination for Cause (as defined in Section 3(d) above), or (v) the Executive's
decision to terminate employment other than for Good Reason (as defined in
Section 3(e) above; such fees and expenses shall include, without limitation,
those incurred in contesting or disputing any such termination or in seeking to
obtain or enforce any right or benefit provided by this Agreement.

     (c) The Company shall pay all legal fees and expenses which the Executive
may incur as a result of any tax assessments or proceedings arising from
payments made by the Company pursuant to Section 4(c) or Section 5 above.

     (d) If the payment by the Company of any legal fees and expenses pursuant
to this Section 14 shall constitute compensation to the Executive, the Company
agrees, as a separate and independent undertaking, to pay to the Executive upon
demand any and all taxes, of whatever nature or description, applicable to such
payment, together with any taxes thereon (on the basis of a customary "gross-up"
formula).

     15. Confidentiality. The Executive shall retain in confidence any and all
         ---------------
confidential information known to the Executive concerning the Company and its
Subsidiaries and their business so long as such information is not otherwise
publicly disclosed.

     16. Effective Date of this Agreement and Termination of Prior Agreement(s).
         ----------------------------------------------------------------------
This Agreement shall become effective on the Effective Date.

     IN WITNESS WHEREOF, the parties have executed this Agreement as of the date
first above written.

                                        MIDAS, INC.

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

                                        EXECUTIVE

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

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