Document:

<PAGE>

                                                                    EXHIBIT 4.11

                AMENDMENT NO. 5 AND WAIVER TO CREDIT AGREEMENT

        The Amendment No. 5 and Waiver to Credit Agreement (this "Amendment") is
entered into as of October 15, 2002, by and among Midas, Inc. and Midas
International Corporation (collectively, the "Borrowers" and individually, a
"Borrower"), the undersigned Lenders, Bank One, NA, 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, February 8, 1999
and November 9, 2001, 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 have requested that the Administrative Agent, the
Co-Agent and the Lenders further amend and grant certain waivers with respect to
the Credit Agreement.

        C.      The Administrative Agent, the Co-Agent and the undersigned
Lenders are willing to further amend and grant certain waivers with respect to
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. The Credit Agreement shall be
amended as follows:

                (a)     Section 6.1 of the Credit Agreement is hereby amended by
deleting clause(h) thereof in its entirety and replacing it with the following:

                (h)     On the first Business Day of each week, a 13-week cash
        flow plan for itself and its Subsidiaries representing management's good
        faith estimates of future cash flow performance based on historical
        performance and prepared on the same basis and in similar detail as that
        on which operating results are reported, which shall include (i) a
        statement of all of the material assumptions on which such plan is
        based, including plans for personnel, capital expenditures and
        facilities and (ii) a comparison of the plan for the immediately
        preceding week with the actual results for such week, together with a
        discussion of the material variances between such plan and actual
        results and the reasons therefor.

                (i)     On the first Business Day of each week, an accounts
        receivable aging report as of the end of the immediately preceding week
        with respect to Midas and its Subsidiaries, accompanied by such
        supporting detail and documentation as the Administrative Agent shall
        reasonably request.

<PAGE>

                (j)     On the first Business Day of each week, a summary of all
        developments in connection with the refinancing of the Obligations and
        any proposed or pending disposition of a material portion of the assets
        of Midas and its Subsidiaries.

                (k)     Such other information as the Administrative Agent or
        any Lender may from time to time reasonably request.

        2.      Waiver.

                (a)     Each of the undersigned Lenders hereby waives the
default by Midas in the observance of Section 6.18.2 of the Credit Agreement as
of September 28, 2002; provided, that (a) such waiver shall only be valid
through November 13, 2002 and (b) each Borrower, by its signature below,
acknowledges and agrees that, without further action by the Required Lenders,
such waiver shall not constitute a waiver of such Default for the purposes of
Section 4.2(a) of the Credit Agreement for the purpose of making Advances or
Swing Line Loans or issuing Facility Letters of Credit which would cause the
aggregate amount of all outstanding Obligations to exceed $87,500,000.

                (b)     In consideration of waivers provided for in this
Amendment, absent further action by the Required Lenders, from and after the
date hereof (i) all future Advances shall be made as Alternate Base Rate
Advances, (ii) the Applicable ABR Margin and the Applicable Eurodollar Margin
shall be equal to 1.25% and 2.50%, respectively, until adjusted in accordance
with the definitions thereof, which adjustment, if any, shall be retroactive to
the date hereof, (iii) all Eurodollar Advances shall be automatically converted
to Alternate Base Rate Advances at the end of their current Interest Periods and
(iv) all Advances (which for purposes hereof shall include Swing Line Loans)
shall bear interest at the default rate specified in Section 2.10 of the Credit
Agreement and all Facility Letter of Credit fees shall be computed at the
default rate specified in Section 2.18.6 of the Credit Agreement.

        3.      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; and

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

                                        2

<PAGE>

        4.      Effective Date. This Amendment shall become effective as of the
date first set forth above 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 Required Lenders.

                (b)     Amendment Fee. The Borrowers shall have paid to 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 1:00 p.m. (Chicago time) on October 22, 2002), an
amendment fee in an amount equal to ten (10) basis points on each such Lender's
Commitment.

        5.      Reference to and Effect Upon the Credit Agreement.

                (a)     Except as specifically provided in this Amendment, the
Credit Agreement and the other Loan Documents shall remain in full force and
effect, and the execution, delivery and effectiveness of this Amendment shall
not operate as a waiver or forbearance of any Default or Unmatured Default or
any right, power or remedy of the Administrative Agent or any Lender under the
Credit Agreement or any of the other Loan Documents, or constitute a consent,
waiver or modification with respect to any provision of the Credit Agreement or
any of the other Loan Documents, and each Borrower hereby fully ratifies and
affirms each Loan Document to which it is a party.

                (b)     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.

        6.      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.

        7.      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.

        8.      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.

        9.      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.

                                        3

<PAGE>

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

        11.     Acknowledgment. Each Borrower hereby waives, discharges and
forever releases the Administrative Agent, the Arranger, the Co-Agent and each
of the Lenders, and each of their respective employees, officers, directors,
attorneys, stockholders and successors and assigns, from and of any and all
claims, causes of action, allegations or assertions that such Borrower has or
may have had at any time through (and including) the date of this Amendment,
against any or all of the foregoing, regardless of whether any such claims,
causes of action, allegations or assertions are known to any Borrower or whether
any such claims, causes of action, allegations or assertions arose as a result
of the Administrative Agent's, the Arranger's, the Co-Agent's or any Lender's
actions or omissions in connection with the Credit Agreement or the other Loan
Documents, including any amendments or modifications thereto, or otherwise.

                            [signature pages follow]

                                        4

<PAGE>

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

                                              MIDAS, INC.

                                              By: /s/ [ILLEGIBLE]
                                                 -------------------------------
                                              Its: SVP/CFO
                                                  ------------------------------

                                              MIDAS INTERNATIONAL
                                              CORPORATION

                                              By: /s/ [ILLEGIBLE]
                                                 -------------------------------
                                              Its: SVP/CFO
                                                  -----------------------------

                                              BANK ONE, NA, individually and as
                                              Administrative Agent

                                              By: /s/ Jacqueline P. Yardley
                                                 -------------------------------
                                              Its: Senior Vice President
                                                  ------------------------------

                                              CREDIT SUISSE FIRST BOSTON,
                                              Individually and as Co-Agent

                                              By: /s/ Mark E. Gleason
                                                 -------------------------------
                                              Its: DIRECTOR
                                                  ------------------------------

                                              By: /s/ Cassandra Droogan
                                                 -------------------------------
                                              Its: ASSOCIATE
                                                  ------------------------------

                                              ABN AMRO BANK N.V.

                                              By: /s/ Steven C. Wimpenny
                                                 -------------------------------
                                              Its: GROUP SENIOR VICE PRESIDENT
                                                  ------------------------------

                                              By: /s/ Clifford S. Blasberg
                                                 -------------------------------
                                              Its: GROUP VICE PRESIDENT
                                                  ------------------------------

                           Signature Page to Amendment
                      No. 5 and Waiver to Credit Agreement

<PAGE>

                                              BNP PARIBAS

                                              By: /s/ Bosalie C. Hauley
                                                 -------------------------------
                                              Its: Director
                                                  ------------------------------

                                              By: /s/ Peter Labrie
                                                 -------------------------------
                                              Its: Central Region Manager
                                                  ------------------------------

                                              MIZUHO CORPORATE BANK, LTD.

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

                                              THE NORTHERN TRUST COMPANY

                                              By: /s/ Christopher L. Mckean
                                                 -------------------------------
                                              Its: SECOND VICE PRESIDENT
                                                  ------------------------------

                                              U.S. BANK NATIONAL ASSOCIATION

                                              By: /s/ R. Michael Newton
                                                 -------------------------------
                                              Its: Vice President
                                                  ------------------------------

                           Signature Page to Amendment
                      No. 5 and Waiver to Credit Agreement<PAGE>

                                                                   EXHIBIT  4.13

                       AMENDMENT NO. 7 TO CREDIT AGREEMENT

      This Amendment No.7 to Credit Agreement (this "Amendment") is entered into
as of January 21, 2003, by and among Midas, Inc. and Midas International
Corporation (collectively, the "Borrowers" and individually, a "Borrower"), the
Lenders, Bank One, NA, 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,
February 8, 1999, November 9, 2001, October 15, 2002 and November 12, 2002, 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 have requested that the Administrative Agent, the
Co-Agent and the Lenders further amend the Credit Agreement.

      C.    The Administrative Agent, the Co-Agent and the Lenders are willing
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. The Credit Agreement shall be
amended as follows:

            (a)   Article I of the Credit Agreement is hereby amended by
restating the definition of "Facility Termination Date" as follows:

            ""Facility Termination Date" means March 31, 2003 or any earlier
      date on which the Aggregate Commitment is reduced to zero or otherwise
      terminated pursuant to the terms hereof."

            (b)   Article I of the Credit Agreement is hereby amended, effective
as of December 27, 2002, by restating the definition of "EBITDA" as follows:

            ""EBITDA" means, as of the last day of any fiscal quarter,
      Consolidated Net Income for the four fiscal quarters ending on such date,
      plus all amounts deducted in the computation of such Consolidated Net
      Income on account of (i) Consolidated Interest Expense, (ii) depreciation
      and amortization expenses, (iii) non-cash charges, (iv) cash charges not
      in excess of $31,000,000 relating to Midas's previously disclosed
      restructuring plan, and (v) income, profit and franchise taxes, all
      determined on a consolidated basis in accordance with GAAP.

<PAGE>

      All capitalized terms used in this definition shall have the meanings
      given thereto in the Note Agreement, as in effect as of December 27, 2002
      and as further amended by Amendment No.3 thereto."

            (c)   Section 6.18.2 of the Credit Agreement is hereby amended,
effective as of December 27, 2002, by deleting it in its entirety and
substituting therefor the following:

            "6.18.2 Consolidated Indebtedness to EBITDA Ratio. As of December
      28, 2002, maintain the ratio of Consolidated Indebtedness (as such
      capitalized term is defined in the Note Agreement, as in effect as of
      December 27, 2002 and as further amended by Amendment No. 3 thereto) to
      EBITDA not to exceed 4.25:1.00."

            (d)   Notwithstanding any provision of the Credit Agreement to the
contrary, each Facility Letter of Credit may have, as an expiry date or a final
date for the payment of drafts presented thereunder, any date prior to April 1,
2003.

      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; and

            (c)   no Default or Unmatured Default has occurred and is
continuing.

      3.    Effectiveness.

            (a)   The amendments set forth in Section 1(a) and (d) of this
Amendment shall become effective as of the date first set forth above upon
satisfaction of the following conditions:

                  (i)   Executed Amendment. Receipt by the Administrative Agent
            of duly executed counterparts of this Amendment from the
            Administrative Agent, the Borrowers and each Lender.

                  (ii)  Amendment Fee. The Borrowers shall have paid to the
            Administrative Agent, for the benefit of each of the Lenders, a
            non-refundable amendment fee in an amount equal to sixty (60) basis
            points on each Lender's

                                       -2-

<PAGE>

            Commitment, provided, that, so long as the refinancing of the
            Obligations occurs on or before March 31, 2003, an amount equal to
            forty (40) basis points times such Lender's Commitment shall be
            credited against any fee payable to such Lender's Commitment shall
            be credited against any fee payable to such Lenders in connection
            with such refinancing.

            (b)   The amendments set fourth in Sections 1(b) and (c) of this
Amendment shall become effective upon (i) satisfaction of the conditions set
forth in Section 3(a) of this Amendment and (ii) the Administrative Agent's
receipt of an executed amendment to the Note Agreement reflecting modifications
to such Note Agreement corresponding to the amendments set forth in Section 1(b)
of this Amendment, in form and substance acceptable to the Administrative Agent;
provided that if such condition is not satisfied, then the remaining provisions
of this Amendment shall continue to be effective.

      4.    Reference to and Effect Upon the Credit Agreement.

            (a)   Except as specifically provided in this Amendment, the Credit
Agreement and the other Loan Documents shall remain in full force and effect,
and the execution, delivery and effectiveness of this Amendment shall not
operate as a waiver or forbearance of any Default or Unmatured Default or any
right, power or remedy of the Administrative Agent or any Lender under the
Credit Agreement or any of the other Loan Documents, or constitute a consent,
waiver or modification with respect to any provision of the Credit Agreement or
any of the other Loan Documents, and each Borrower hereby fully ratifies and
affirms each Loan Document to which it is a party.

            (b)   Upon the effectiveness of this Amendment, each reference in
the Credit Agreement to "this Agreement, "hereunder," "hereof" 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 reasonable fees and expenses 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.

                                       -3-

<PAGE>

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

      10.   Acknowledgement. Each Borrower hereby waives, discharges and forever
releases the Administrative Agent, the Arranger, the Co-Agent and each of the
Lenders, and each of their respective employees, officers, directors, attorneys,
stockholders and successors and assigns, from and of any and all claims, causes
of action, allegations or assertions that such Borrower has or may have had at
any time through (and including) the date of this Amendment, against any or all
of the foregoing, regardless of whether any such claims, causes of action,
allegations or assertions are known to any Borrower a whether any such claims,
causes of action, allegations or assertions arose as a result of the
Administrative Agent's, the Arranger's, the Co-Agent's or any Lender's actions
or omissions in connection with the Credit Agreement or the other Loan
Documents, including any amendments or modifications thereto, or otherwise.

                            [signature pages follow]

                                       -4-

<PAGE>

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

                                              MIDAS, INC.

                                              By: /s/ [ILLEGIBLE]
                                                 -------------------------------
                                              Its: SVP/CFO
                                                  ------------------------------

                                              MIDAS INTERNATIONAL CORPORATION

                                              By: [ILLEGIBLE]
                                                 -------------------------------
                                              Its: SVP/CFO
                                                  ------------------------------

                                              BANK ONE, NA, individually and as
                                              Administrative Agent

                                              By: /s/ Jacqueline P Yardley
                                                 -------------------------------
                                              Its: SENIOR VICE PRESIDENT
                                                  ------------------------------

                                              CREDIT SUISSE FIRST BOSTON,
                                              individually and as Co-Agent

                                              By: /s/ [ILLEGIBLE]
                                                 -------------------------------
                                              Its: MANAGING DIRECTOR
                                                  ------------------------------

                                              By: /s/ [ILLEGIBLE]
                                                 -------------------------------
                                              Its: DIRECTOR
                                                  ------------------------------

                                              ABN AMRO BANK N.V.

                                              By: /s/ Steven C. Wimpenny
                                                 -------------------------------
                                              Its: GROUP SENIOR VICE PRESIDENT
                                                  ------------------------------

                                              By: /s/ Cliford S. Blasberg
                                                 -------------------------------
                                              Its: GROUP VICE PRESIDENT
                                                  ------------------------------

                           Signature Page to Amendment
                            No. 7 to Credit Agreement

<PAGE>

                                              BNP PARIBAS

                                              By: /s/ Peter Labrie
                                                 -------------------------------
                                              Name:  Peter Labrie
                                              Title: MANAGING DIRECTOR
                                                     CENTRAL REGION MANAGER

                                              By : /s/ Timothy J. Devane
                                                 -------------------------------
                                              Name:  Timothy J. Devane
                                              Title: VICE PRESIDENT

                                              MIZUHO CORPORATE BANK, LTD.

                                              By : /s/ John S. Sneed
                                                 -------------------------------
                                              Its:   SENIOR VICE PRESIDENT
                                                  ------------------------------

                                              THE NORTHERN TRUST COMPANY

                                              By : /s/ F.H. Burian
                                                 -------------------------------
                                              Its:   SENIOR VICE PRESIDENT
                                                  ------------------------------

                                              U.S. BANK NATIONAL ASSOCIATION

                                              By : /s/ [ILLEGIBLE]
                                                 -------------------------------
                                              Its:   VICE PRESIDENT
                                                  ------------------------------

                           Signature Page to Amendment

                            No. 7 to Credit Agreement

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