Document:

<PAGE>
                                                                    Exhibit 4.14

                       AMENDMENT NO. 8 TO CREDIT AGREEMENT

         This Amendment No. 8 to Credit Agreement (this "Amendment") is entered
into as of March 18, 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, November 12, 2002 and
January 21, 2003, 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. Amendment to Credit Agreement. Section 6.18.1 of the Credit
Agreement is hereby amended, effective as of December 28, 2002, by deleting it
in its entirety and substituting therefor the following:

            "6.18.1. Minimum Net Worth. At all times after the date hereof,
     maintain a minimum Net Worth at least equal to the sum of (a) 75% of Net
     Worth as of the date on which substantially all of the transactions
     comprising the Distribution have been consummated (after giving effect to
     the consummation of the Closing Transactions and the Distribution) plus (b)
     50% of positive Net Income, if any, for each Fiscal Quarter ending after
     the Closing Date and on or prior to the date of determination, plus (c)
     100% of the amount of Net Available Proceeds realized by Midas or any
     Subsidiary from the issuance of equity securities after the Closing Date,
     less (d) cash charges not in excess of $31,000,000 relating to Midas's
     previously disclosed restructuring plan and non-cash charges, less (e) the
     aggregate consideration paid by Midas to repurchase or redeem its capital
     stock after December 26, 1998, in an amount not to exceed $34 million;
     provided, that, at the time of determination, the number of shares
     repurchased or redeemed is less than or equal to the number of shares in
     respect of which employees, officers and directors of Midas have exercised
     stock options after such date."

<PAGE>

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

         3. Effective Date. 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 Required Lenders.

           (b) Amendment to Note Agreement. Receipt by the Administrative Agent
of an executed amendment to the Note Agreement reflecting modifications to such
Note Agreement corresponding to the amendment set forth in Section 1 of this
Amendment, in form and substance acceptable to the Administrative Agent.

         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," "herein" or words
of similar import shall mean and be a reference to the Credit Agreement as
amended hereby.

                                     - 2 -

<PAGE>

     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.

     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. 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]

                                     - 3 -

<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, individually and as
                                       Administrative Agent

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

                                       CREDIT SUISSE FIRST BOSTON,
                                       individually and as Co-Agent

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

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

                                       ABN AMRO BANK N.V.

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

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

                          Signature Page to Amendment
                           No. 8 to Credit Agreement

<PAGE>

                                       BNP PARIBAS

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

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

                                       MIZUHO CORPORATE BANK, LTD.

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

                                       THE NORTHERN TRUST COMPANY

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

                                       U.S. BANK NATIONAL ASSOCIATION

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

                           Signature Page to Amendment
                            No. 8 to Credit Agreement<PAGE>

                                                                    Exhibit 4.15

                                                                  EXECUTION COPY

                        Midas International Corporation.
                           1300 Arlington Heights Road
                             Itasca, Illinois 60143

                                                            New York, New York
                                                            As of March 22, 2002

          Re:  Amendment No. 1 to Note and Guarantee Agreement,
               dated as of April 15, 1998

To the Holders of the Notes
 Referred to Below

Ladies and Gentlemen:

     Reference is made to the Note and Guarantee Agreement dated as of April 15,
1998 (as in effect on the date hereof, the "Agreement") among Midas
International Corporation, a Delaware corporation (the "Company"), Midas, Inc.,
a Delaware corporation (the "Guarantor" and, together with the Company, the
"Obligors") and the purchasers whose names appear in the acceptance form at the
end thereof (each, a "Purchaser" and, collectively, the "Purchasers"), pursuant
to which the Purchasers purchased $75,000,000 aggregate principal amount of the
Company's 6.89% Guaranteed Senior Notes due 2005 (the "Notes").

     The Company has requested that the holders of the Notes agree, and the
holders of the Notes party hereto are willing, to amend Section 10.6 of the
Agreement as provided herein, all on the terms and conditions of this Amendment.

     Accordingly, in consideration of the premises and the mutual agreements
contained herein, and for other good and valuable consideration, the receipt and
sufficiency of which are hereby acknowledged, the parties hereto agree as
follows:

     (S)1. Definitions. Unless otherwise defined herein, all terms used herein
that are defined in the Agreement (as amended hereby) shall have their
respective meanings as therein defined.

     (S)2. Amendment to Agreement. Subject to the satisfaction of the condition
to effectiveness specified in (S)4 below, but with effect on and after the date
hereof, Section 10.6 of the Agreement shall be amended and restated to read in
its entirety as follows:

          "Section 10.6 Consolidated Indebtedness Ratio. The Guarantor will not
     permit the ratio of Consolidated Indebtedness to EBITDA to exceed (i) 4 to
     1 as at the end of the fiscal quarter of the Guarantor ending March 30,
     2002 and (ii) 3.5 to 1 as at the end of any other fiscal quarter of the
     Guarantor."

     (S)3. Representations and Warranties of the Obligors. The Company and the
Guarantor jointly and severally represent and warrant to the holders of the
Notes as follows (and the parties hereto agree that the following
representations and warranties shall be deemed to have been made pursuant to the
Agreement for all relevant purposes thereof):

     3.1. Power and Authority. Each Obligor has the corporate power and
authority to execute and deliver this Amendment and to perform the Agreement as
amended hereby (the "Amended Agreement").

<PAGE>

     3.2. Authorization, etc. This Amendment has been duly authorized by all
necessary corporate action on the part of each Obligor, and has been duly
executed and delivered by each Obligor, and the Amended Agreement constitutes a
legal, valid and binding obligation of each Obligor, enforceable against such
Obligor, in accordance with its terms, except as such enforcement may be
limited by (i) applicable bankruptcy, insolvency, reorganization, moratorium or
other similar laws affecting the enforcement of creditors' rights generally and
(ii) general principles of equity (regardless of whether such enforceability is
considered in a proceeding in equity or at law).

     3.3. No Conflicts. The execution, delivery and performance by the Obligors
of this Amendment and of the Amended Agreement will not (i) contravene, result
in any breach of, or constitute a default under, or result in the creation of
any Lien in respect of any property of either Obligor or any Subsidiary under,
any indenture, mortgage, deed of trust, loan, purchase or credit agreement,
lease, corporate charter or by-laws, or any other agreement or instrument to
which either Obligor or any Subsidiary is bound or by which either Obligor or
any Subsidiary or any of their respective properties may be bound or affected,
(ii) conflict with or result in a breach of any of the terms, conditions or
provisions of any order, judgment, decree, or ruling of any court, arbitrator or
Governmental Authority applicable to either Obligor or any Subsidiary or (iii)
violate any provision of any statute or other rule or regulation of any
Governmental Authority applicable to either Obligor or any Subsidiary.

     3.4. No Defaults. Both immediately prior and after giving effect to this
Amendment, no Default or Event of Default has occurred and is continuing.

     (S)4. Condition to Effectiveness. The amendment to the Agreement set forth
in (S)2 shall become effective, as of the date hereof, upon the execution and
delivery of this Amendment by the Obligors and the Required Holders.

     (S)5. Miscellaneous.

     5.1. Costs and Expenses. As provided in Section 16.1 of the Agreement, the
Obligors agree to pay on demand all costs and expenses (including reasonable
attorney's fees of a single special counsel and, if reasonably required, local
or other counsel) of the holders of the Notes in connection with the
negotiation, preparation, execution and delivery of this Amendment and any
documents executed pursuant hereto.

     5.2. Ratification; Waiver. The Agreement, except as amended pursuant
hereto, is in all respects ratified and confirmed, and the terms, covenants and
agreements thereof shall remain in full force and effect.

     5.3. References to Agreement and Notes. From and after the date hereof, all
references to the Agreement in the Agreement, the Notes, the Guarantee and all
documents and instruments incident to the transactions contemplated by the
Agreement, shall be deemed to be references to the Agreement as amended by this
Amendment.

     5.4. Governing Law. This Amendment shall be construed and enforced in
accordance with, and the rights of the parties shall be governed by, the law of
the State of New York excluding choice-of-law principles of the law of such
State that would require the application of the laws of a jurisdiction other
than such State.

     5.5. Execution in Counterparts. This Amendment may be executed in
counterparts, each of which shall be deemed an original but all of which
together shall constitute one and the same instrument.

                            [SIGNATURE PAGES FOLLOW]

                                        2

<PAGE>

     If you are in agreement with the foregoing, please sign the form of
acceptance in the space provided below whereupon this Amendment shall become a
binding agreement between you and the Obligors.

                                      Very truly yours,

                                      MIDAS INTERNATIONAL CORPORATION

                                      By: /s/ William M. Guzik
                                         ------------------------------
                                         Name:  William M. Guzik
                                         Title: Senior Vice President
                                                Chief Financial Officer

                                      MIDAS, INC.

                                      By: /s/ William M. Guzik
                                         ------------------------------
                                         Name:  William M. Guzik
                                         Title: Senior Vice President
                                                Chief Financial Officer

<PAGE>

ACCEPTED AND AGREED:

CONNECTICUT GENERAL LIFE INSURANCE
 COMPANY

By CIGNA Investments, Inc.

     By /s/ Stephen H. Wilson
       --------------------------
       Name:  STEPHEN H. WILSON
       Title: MANAGING DIRECTOR

CONNECTICUT GENERAL LIFE INSURANCE
 COMPANY ON BEHALF OF ONE OR MORE
 SEPARATE ACCOUNTS

 By CIGNA Investments, Inc.

     By /s/ Stephen H. Wilson
       --------------------------
       Name:  STEPHEN H. WILSON
       Title: MANAGING DIRECTOR

CANADA LIFE INSURANCE
 COMPANY OF AMERICA

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

CANADA LIFE INSURANCE
 COMPANY OF NEW YORK

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

SOUTHERN FARM BUREAU LIFE
 INSURANCE COMPANY

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

AMERICAN GENERAL LIFE
 INSURANCE COMPANY, and
THE UNITED STATES LIFE INSURANCE
 COMPANY IN THE CITY OF NEW YORK

By: AIG Global Investment Corp.

By
  ------------------------
  Name:  Gregg Hammer
  Title: Vice President

<PAGE>

ACCEPTED AND AGREED:

CONNECTICUT GENERAL LIFE INSURANCE
 COMPANY

By CIGNA Investments, Inc.

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

CONNECTICUT GENERAL LIFE INSURANCE
 COMPANY ON BEHALF OF ONE OR MORE
 SEPARATE ACCOUNTS

By CIGNA Investments, Inc.

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

CANADA LIFE INSURANCE
 COMPANY OF AMERICA

By /s/ C. Paul English
  --------------------------
  Name:  C. PAUL ENGLISH
  Title: ASSISTANT TREASURER

CANADA LIFE INSURANCE
  COMPANY OF NEW YORK

By /s/ C. Paul English
  --------------------------
  Name:  C. PAUL ENGLISH
  Title: ASSISTANT TREASURER

SOUTHERN FARM BUREAU LIFE
 INSURANCE COMPANY

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

AMERICAN GENERAL LIFE
 INSURANCE COMPANY, and
THE UNITED STATES LIFE INSURANCE
 COMPANY IN THE CITY OF NEW YORK

By: AIG Global Investment Corp.

By
  ----------------------------
  Name:  Gregg Hammer
  Title: Vice President

<PAGE>

ACCEPTED AND AGREED:

CONNECTICUT GENERAL LIFE INSURANCE
 COMPANY

By CIGNA Investments, Inc.

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

CONNECTICUT GENERAL LIFE INSURANCE
 COMPANY ON BEHALF OF ONE OR MORE
 SEPARATE ACCOUNTS

By CIGNA Investments, Inc.

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

CANADA LIFE INSURANCE
 COMPANY OF AMERICA

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

CANADA LIFE INSURANCE
 COMPANY OF NEW YORK

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

SOUTHERN FARM BUREAU LIFE
 INSURANCE COMPANY

By /s/ Carol Robertson, CFA
  --------------------------
  Name:  CAROL ROBERTSON, CFA
  Title: PORTFOLIO MANAGER, FIXED INCOME

AMERICAN GENERAL LIFE
 INSURANCE COMPANY, and
THE UNITED STATES LIFE INSURANCE
 COMPANY IN THE CITY OF NEW YORK

By: AIG Global Investment Corp.

By
  --------------------------------
Name:  Gregg Hammer
Title: Vice President

<PAGE>

ACCEPTED AND AGREED:

CONNECTICUT GENERAL LIFE INSURANCE
 COMPANY

By CIGNA Investments, Inc.

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

CONNECTICUT GENERAL LIFE INSURANCE
 COMPANY ON BEHALF OF ONE OR MORE
 SEPARATE ACCOUNTS

By CIGNA Investments, Inc.

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

CANADA LIFE INSURANCE
 COMPANY OF AMERICA

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

CANADA LIFE INSURANCE
 COMPANY OF NEW YORK

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

SOUTHERN FARM BUREAU LIFE
 INSURANCE COMPANY

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

AMERICAN GENERAL LIFE
 INSURANCE COMPANY, and
THE UNITED STATES LIFE INSURANCE
 COMPANY IN THE CITY OF NEW YORK

By: AIG Global Investment Corp.

By  /s/ Gregg Hammer
  -----------------------
  Name:  Gregg Hammer
  Title: Vice President

<PAGE>

THE TRAVELERS INSURANCE COMPANY

By /s/ Matthew J. McInerny
  -------------------------
  Name:  MATTHEW J. MCINERNY
  Title: ASSISTANT INVESTMENT OFFICER

FIRST TRENTON INDEMNITY COMPANY

By /s/ Matthew J. McInerny
  -------------------------
  Name:  MATTHEW J. MCINERNY
  Title: ASSISTANT INVESTMENT OFFICER

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