Document:

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                                                                EXHIBIT 10.18.3

                 EIGHTH AMENDMENT TO LOAN AND SECURITY AGREEMENT

        This EIGHTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this "Amendment")
dated as of October 31, 2000 is by and between THE CREDIT STORE, INC., a
Delaware corporation (the "Borrower") and COAST BUSINESS CREDIT, a division of
Southern Pacific Bank, a California corporation ("Coast").

                             BACKGROUND INFORMATION

        The Borrower and Coast are parties to a Loan and Security Agreement
dated as of April 30, 1998, as amended by the Third Amendment to Loan and
Security Agreement dated as of April 27, 1999, the Fifth Amendment to Loan and
Security Agreement dated as of June 25, 1999, the Sixth Amendment to Loan and
Security Agreement dated as of December 6, 1999 and the Seventh Amendment to
Loan and Security Agreement dated as of May 31, 2000 (as heretofore amended, the
"Loan Agreement" and as amended by this Amendment, the "Amended Loan
Agreement"). To secure the payment of the Borrower's obligations under such
agreement, the Borrower has granted Coast a security interest in and lien upon
substantially all of its assets, including, without limitation, the Borrower's
right, title, and interest in Receivables (including the CSSI Receivables, as
defined below) and collections related thereto.

        The Borrower and Credit Store Services, Inc., a Delaware corporation
(the "Buyer"), have entered into an Account Purchase Agreement (the "Account
Purchase Agreement") of even date herewith and have entered into a Converted
Accounts/Receivables Sale Agreement of even date herewith (the "Converted
Accounts Agreement") pursuant to which, from time to time, the Borrower agrees
to, sell, assign, transfer, set-over, and otherwise convey to the Buyer, and the
Buyer agrees to acquire or purchase from the Borrower, all of the Borrower's
right, title, and interest in, to, and under the Conveyed Property, as defined
in each of the Account Purchase Agreement and the Converted Accounts Agreement
(such Conveyed Property referred to herein as the "CSSI Receivables").

        To finance the purchase of the CSSI Receivables under the Account
Purchase Agreement, the Buyer, the Borrower, as servicer, and The Varde Fund
IV-A, L.P., a Delaware limited partnership (the "Lender"), have entered into a
Master Loan and Servicing Agreement (the "Loan Agreement") of even date
herewith pursuant to which the Lender may extend one or more term loans to the
Buyer, which loans are to be secured by, among other things, a first priority
security interest in and lien upon the CSSI Receivables granted pursuant to a
Security Agreement of even date herewith made by the Buyer in favor of the
Lender.

        As a condition precedent to disbursing the term loans under the Loan
Agreement, the Lender requires the due execution and delivery of this Amendment
by the

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parties hereto. Therefore, the parties hereto wish to amend the Loan Agreement
to release Coast's right, title, and/or interest in, to, or under the CSSI
Receivables and to provide for certain other changes in circumstances and new
arrangements among themselves.

ACCORDINGLY, in consideration of the premises and for other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereto hereby agree as follows:

                                    ARTICLE I

                                   DEFINITIONS

        1.1 Loan Agreement Definitions. Terms defined in the Loan Agreement
shall have the same meaning when used herein unless otherwise indicated.

                                   ARTICLE II

                                   AMENDMENTS

        2.1 Amendment to Section 1 of the Loan Agreement.

        (a) Section 1 of the Loan Agreement is hereby amended by adding the
following definitions to such section:

                 "CSSI Receivables" means (i) any of the CSSI Receivables,
             whether now existing or hereafter arising, to be transferred by the
             Borrower to TCS Funding IV and associated with the unconverted
             charged off accounts receivable identified in the Borrower's
             records as Pool Identification Number 2000100 and (ii) any
             Converted Receivables (as defined in the CSSI Account Purchase
             Agreement) resulting from the conversion and balance transfer of
             any of the unconverted accounts listed in clause (i) above to a
             credit card account and any New Receivables (as defined in the CSSI
             Account Purchase Agreement) arising in connection with any such
             credit card account after the date of conversion and also
             identified in the Borrower's records as Pool Identification Number
             2000100.

                 "CSSI" means Credit Store Services, Inc., a Delaware
             corporation.

                 "CSSI Receivables" means the "Conveyed Property", as defined in
             the CSSI Account Purchase Agreement.

                 "CSSI Account Purchase Agreement" means, collectively, the
             Account Purchase Agreement dated as of October 31, 2000 by and
             between the Borrower, as seller, and CSSI, as purchaser and the
             Converted Accounts/Receivables Sale

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           Agreement dated as of October 31, 2000 by and between the Borrower
           and CSSI as such agreements may be amended from time to time.

        (b) The definitions of "General Intangibles" and "Receivables" stated in
Section 1 of the Loan Agreement are hereby amended by amending and restating
such definitions in their entirety to read as follows:

                 "General Intangibles" means all general intangibles of
             Borrower, whether now owned or hereafter created or acquired by
             Borrower, including, without limitation, all choses in action,
             causes of action, corporate or other business records, Deposit
             Accounts, investment property, inventions, designs, drawings,
             blueprints, patents, patent applications, trademarks and the
             goodwill of the business symbolized thereby, names, trade names,
             trade secrets, goodwill, copyrights, registrations, licenses,
             franchises, customer lists, security and other deposits, rights in
             all litigation presently or hereafter pending for any cause or
             claim (whether in contract, tort, or otherwise), and all judgments
             now or hereafter arising therefrom, all claims of Borrower against
             Coast, rights to purchase or sell real or personal property, rights
             as a licensor or licensee of any kind, royalties, telephone
             numbers, proprietary information, purchase orders, and all
             insurance policies and claims (including without limitation life
             insurance, key man insurance, credit insurance, liability
             insurance, property insurance and other insurance), tax refunds
             and-claims, computer programs, discs, tapes and tape files, claims
             under guaranties, security interests or other security held by or
             granted to Borrower, all rights to indemnification and all other
             intangible property or every kind and nature (other than
             Receivables) excluding, however, (i) the Initial Funding IV
             Receivables and (subject to the terms of Section 4.5 below) any
             Future Funding IV Receivables and (ii) the CSSI Receivables."

                 "Receivables" means all of Borrower's now owned and hereafter
             acquired accounts (whether or not earned by performance), letters
             or credit, contract rights, chattel paper, instruments, securities,
             documents, securities accounts, security entitlements, commodity
             contracts, commodity accounts, investment property and all other
             forms of obligations at any time owing to Borrower, all guaranties
             and other security therefor, all merchandise returned to or
             repossessed by Borrower, and all rights of stoppage in transit and
             all other rights or remedies of an unpaid vendor, lienor or secured
             party; excluding, however, (i) the Initial Funding IV Receivables
             and (subject to the terms of Section 4.5 below) any Future Funding
             IV Receivables and (ii) the CSSI Receivables."

        2.2 Amendment to Section 4 of the Loan Agreement.

            (a) Section 4.1 of the Loan Agreement is hereby amended by amending
the final parenthetical clause of such section to read as follows: "(all of the
foregoing, together with all other property in which Coast may now or in the
future be granted a lien or security interest, excluding, however, (i) the

                                       3
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Initial Funding IV Receivables and (subject to the terms of Section 4.5 below)
any Future Funding IV Receivables and (ii) the CSSI Receivables is referred to
herein, collectively, as the 'Collateral')."

            (b) The Loan Agreement is hereby further amended by adding the
following new section after Section 4.5 thereof:

                 4.6 Release of CSSI Receivables. Coast hereby (i) releases any
            and all right, title, and interest Coast may have or hereafter
            acquire in the CSSI Receivables and (ii) consents to any sale,
            assignment, transfer, or conveyance of, or granting of a security
            interest in, the CSSI Receivables by the Borrower to CSSI pursuant
            to the terms of the CSSI Account Purchase Agreement. On or before
            the initial date of transfer of any CSSI Receivables, Coast agrees
            to promptly take all further action, and to promptly execute and
            deliver any UCC releases, confirmatory letters, and/or any other
            document, reasonably required by the Borrower (at the Borrower's
            expense) to effect, evidence, complete, and/or confirm Coast's
            release of the CSSI Receivables.

        2.3 Amendment to Section 8.5(c) of the Loan Agreement. Section 8.5(c) of
the Loan Agreement is hereby amended by restating such subsection in its
entirety to read as follows:

                 "(c) make any investment, equity contribution, loan or other
            transfer to any subsidiary or any other affiliate except for
            dividends or distributions permitted under Section 8.5(k) hereof and
            except for (i) loans or capital contributions to Credit Store
            Capital Corp., (ii) loans or capital contributions to TCS Funding IV
            in connection with the Funding IV Receivables Purchase Agreement and
            (iii) loans or capital contributions to CSSI in connection with the
            CSSI Account Purchase Agreement; provided, however, Borrower may
            enter into joint ventures, reasonably acceptable to Coast, and may
            contribute services to joint ventures (or enter into service
            agreements with joint ventures), so long as Borrower does not make
            an investment equity contribution or commingle the collections of
            Receivables;"

        2.4 Addition of Annex E to the Loan Agreement. The Loan Agreement is
hereby Amended by adding Annex E to the Loan Agreement.

                                   ARTICLE III

                         REPRESENTATIONS AND WARRANTIES

        3.1 Representations and Warranties. Each of the parties hereto
represents and warrants to the other party that (a) it is duly organized and
existing in good standing under the laws of its jurisdiction of organization and
has full power and authority to make and deliver this Amendment, (b) the
execution, delivery, and performance of this Amendment have been duly authorized
by all necessary action and do not and will not violate the provisions of, or
constitute a default under, any presently applicable law or its organizational

                                       4
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documents or any agreement presently binding on it, (c) this Amendment has been
duly executed and delivered by its duly authorized attorney-in-fact, officer, or
member, as the case may be, and constitutes the lawful, binding, and legally
enforceable agreement and obligation of such party, and (d) the authorization,
execution, delivery, and performance of this Amendment do not require
notification to, registration with, or consent or approval by, any federal,
state, province, or local regulatory body or administrative agency.

                                   ARTICLE IV

                                  MISCELLANEOUS

        4.1 Ratification. The Amended Loan Agreement is hereby ratified,
approved, and confirmed in every respect, and shall remain in full force and
effect.

        4.2 Further Assurances. The parties hereto agree to do and perform, from
time to time, any and all acts and to execute any and all further instruments
required or reasonably requested by the other party to this Amendment to more
fully effect the purposes of this Amendment and the amendments and modifications
contained herein, including, without limitation, the execution of any financing
statements or continuation statements or releases or amendments to financing
statements or equivalent documents relating to the CSSI Receivables for filing
under the provisions of the Uniform Commercial Code as enacted in any applicable
jurisdiction or other laws of any applicable jurisdiction.

        4.3 Execution in Counterparts and by Facsimile. This Amendment may be
executed in any number of counterparts (including facsimile counterparts) and by
the different parties on separate counterparts, each of which when so executed
and delivered shall be deemed to be an original and all of which counterparts,
taken together, shall constitute but one and the same instrument.

        4.4 Costs and Expenses. The Borrower agrees to pay all costs and
expenses in connection with the negotiation, preparation, execution, delivery,
and administration of this Fifth Amendment and any and all other documents
furnished in connection with the execution and delivery of this Amendment,
including reasonable attorneys' fees and expenses.

        4.5 Governing Law. This Amendment shall be governed by, and construed in
accordance with, the internal laws (without regard to the conflict of laws
provisions) of the State of California.

                            (Signature Page Follows)

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<PAGE>

        IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their respective officers thereunto duly authorized, as of the
date first above written.

THE CREDIT STORE, INC.

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

COAST BUSINESS CREDIT,
a division of Southern Pacific Bank

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

     (Signature Page 1 of 1 to the Eighth Amendment to Coast Loan Agreement)

<PAGE>

                  IN WITNESS WHEREOF, the parties hereto have caused this
Amendment to be executed by their respective officers thereunto duly authorized,
as of the date first above written.

THE CREDIT STORE, INC.

By: /s/ Michael Philippe
   -------------------------------------
        Michael Philippe, CFO

COAST BUSINESS CREDIT, a division of Southern
Pacific Bank

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

     (Signature Page 1 of 1 to the Eighth Amendment to Coast Loan Agreement)<PAGE>

                                                                  EXECUTION COPY
                                                                  --------------

                 TENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT

         This TENTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this "Amendment")
dated as of May 1, 2001 is by and between THE CREDIT STORE, INC., a Delaware
corporation (the "Borrower") and COAST BUSINESS CREDIT, a division of Southern
Pacific Bank, a California corporation ("Coast").

                             BACKGROUND INFORMATION

         The Borrower and Coast are parties to a Loan and Security Agreement
dated as of April 30, 1998, as amended as of April 27, 1999, June 25, 1999,
December 6, 1999, May 31, 2000, October 31, 2000 and April 16, 2001 (as
heretofore amended, the "Loan Agreement" and as amended by this Amendment, the
"Amended Loan Agreement"). To secure the payment of the Borrower's obligations
under such agreement, the Borrower has granted Coast a security interest in and
lien upon substantially all of its assets, including, without limitation, the
Borrower's right, title, and interest in Receivables (including the TCS Funding
V Receivables, as defined below) and collections related thereto.

         The Borrower and TCS Funding V, Inc., a Delaware corporation (the
"Buyer"), have entered into a Receivables Purchase Agreement (the "Receivables
Purchase Agreement") of even date herewith pursuant to which, from time to time,
the Borrower agrees to, sell, assign, transfer, set-over, and otherwise convey
to the Buyer, and the Buyer agrees to purchase from the Borrower, all of the
Borrower's right, title, and interest in, to, and under the Conveyed Property,
as defined in the Receivables Purchase Agreement (such Conveyed Property
referred to herein as the "TCS Funding V Receivables").

         To finance the purchase of the TCS Funding V Receivables, the Buyer,
the Borrower, and Miller & Schroeder Investments Corporation, a Minnesota
corporation (the "Lender"), have entered into a Master Credit and Security
Agreement (the "Credit Agreement") of even date herewith pursuant to which the
Lender agrees to extend one or more term loans to the Buyer, which loan is to be
secured by, among other things, a first priority security interest in and lien
upon the TCS Funding V Receivables.

         As a condition precedent to disbursing the term loans under the Credit
Agreement, the Lender requires the due execution and delivery of this Seventh
Agreement by the parties hereto. Therefore, the parties hereto wish to amend the
Loan Agreement to release Coast's right, title, and/or interest in, to, or under
the TCS Funding V Receivables and to provide for certain other changes in
circumstances and new arrangements among themselves.

         ACCORDINGLY, in consideration of the premises and for other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged, the parties hereto hereby agree as follows:

<PAGE>

                                    ARTICLE I

                                   DEFINITIONS

         1.1 Loan Agreement Definitions. Terms defined in the Loan Agreement
shall have the same meaning when used herein unless otherwise indicated.

                                   ARTICLE II

                                   AMENDMENTS

         2.1 Amendment to Section 1 of the Loan Agreement.

         (a) Section 1 of the Loan Agreement is hereby amended by adding the
following definitions to such section:

                  "Funding V Receivables" means any of the Conveyed Property (as
         defined in the TCS Funding V Receivables Purchase Agreement), whether
         now existing or hereafter arising, to be transferred by the Borrower to
         TCS Funding V and associated with the credit card accounts marked on
         the records of TCSI with a permanent pool ID of 200l-004 and listed on
         the CD provided to Coast labeled "TCS Funding V Closing Account
         Schedule."

                  "TCS Funding V" means TCS Funding V, Inc., a Delaware
         corporation.

                  "TCS Funding V Receivables Purchase Agreement" means the
         Receivables Purchase Agreement dated as of May 1, 2001 by and between
         the Borrower, as seller, and TCS Funding V, as purchaser.

         (b) The definitions of "General Intangibles" and "Receivables" stated
in Section 1 of the Loan Agreement are hereby amended by amending and restating
such definitions in their entirety to read as follows:

                  "General Intangibles" means all general intangibles of
         Borrower, whether now owned or hereafter created or acquired by
         Borrower, including, without limitation, all choses in action, causes
         of action, corporate or other business records, Deposit Accounts,
         investment property, inventions, designs, drawings, blueprints,
         patents, patent applications, trademarks and the goodwill of the
         business symbolized thereby, names, trade names, trade secrets,
         goodwill, copyrights, registrations, licenses, franchises, customer
         lists, security and other deposits, rights in all litigation presently
         or hereafter pending for any cause or claim (whether in contract, tort,
         or otherwise), and all judgments now or hereafter arising therefrom,
         all claims of Borrower against Coast, rights to purchase or sell real
         or personal property, rights as a licensor or licensee of any kind,
         royalties, telephone numbers, proprietary information, purchase

                                       2
<PAGE>

         orders, and all insurance policies and claims (Including without
         limitation life insurance, key man insurance, credit insurance,
         liability insurance, property insurance and other insurance), tax
         refunds and claims, computer programs, discs, tapes and tape files,
         claims under guaranties, security interests or other security held by
         or granted to Borrower, all rights to indemnification and all other
         intangible property or every kind and nature (other than Receivables)
         excluding, however, (i) the Initial Funding IV Receivables and (subject
         to the terms of Section 45 below) any Future Funding IV Receivables,
         (ii) the CSSI Receivables and (iii) the TCS Funding V Receivables."

                  "Receivable" means all of Borrower's now owned and hereafter
         acquired accounts (whether or not earned by performance), letters or
         credit, contract rights, chattel paper, instruments, securities,
         documents, securities accounts, security entitlements, commodity
         contracts, commodity accounts, investment property and all other forms
         of obligations at any time owing to Borrower, all guaranties and other
         security therefor, all merchandise returned to or repossessed by
         Borrower, and all rights, of stoppage in transit and all other rights
         or remedies of an unpaid vendor, lienor or secured party; excluding,
         however, (i) the Initial Funding IV Receivables and (subject to the
         terms of Section 4.5 below) any Future Funding IV Receivables, (ii) the
         CSSI Receivables and (iii) the TCS Funding V Receivables."

         2.2 Amendment to Section 4 of the Loan Agreement.

         (a) Section 4.1 of the Loan Agreement is hereby amended by amending the
final parenthetical clause of such section to read as follows: "(all of the
foregoing, together with all other property in which Coast may now or in the
future be granted a lien or security interest, excluding, however, (i) the
Initial Funding IV Receivables and (subject to the terms of Section 4.5 below)
any Future Funding IV Receivables, (ii) the CSSI Receivables and (iii) the TCS
Funding V Receivables, is referred to herein, collectively, as the
'Collateral')."

         (b) The Loan Agreement is hereby further amended by adding the
following new Sections after Section 4.6 thereof:

                           4.7 Release Of TCS Funding V Receivables. Coast
                  hereby (i) releases any and all right, title, and interest
                  Coast may have or hereafter acquire in the TCS Funding V
                  Receivables and (ii) consents to any sale, assignment,
                  transfer, or conveyance of, or granting of a security interest
                  in, the TCS Funding V Receivables by the Borrower to TCS
                  Funding V pursuant to the terms of the Receivables Purchase
                  Agreement. On or before the date of transfer of TCS Funding V
                  Receivables, Coast agrees to promptly take all further action,
                  and to promptly execute and deliver any UCC releases,
                  confirmatory letters, and/or any other document, reasonably
                  required by the Borrower (at the Borrower's expense) to
                  effect, evidence, complete, and/or confirm Coast's release of
                  the TCS Funding V Receivables.

                                       3
<PAGE>

         2.3 Amendment to Section 8.5(c) of the Loan Agreement. Section 8.5(c)
of the Loan Agreement is hereby amended by restating such subsection in its
entirety to read as follows:

                  "(c) make any investment, equity contribution, loan or other
         transfer to any subsidiary or any other affiliate except for dividends
         or distributions permitted under Section 8.5(k) hereof and except for
         (i) loans or capital contributions to Credit Store Capital Corp.
         specifically related to the acquisition of portfolios, (ii) loans or
         capital contributions to TCS Funding IV in connection with the TCS
         Funding IV Receivables Purchase Agreement, (iii) loans or capital
         contributions to CSSI in connection with the CSSI Account Purchase
         Agreement and (iv) loans or capital contributions to TCS Funding V in
         connection with the TCS Funding V Receivables Purchase Agreement;
         provided, however, Borrower may enter into joint ventures, reasonably
         acceptable to Coast, and may contribute services to joint ventures (or
         enter into service agreements with joint ventures), so long as Borrower
         does not make an investment equity contribution or commingle the
         collections of Receivables;"

                                   ARTICLE III

                         REPRESENTATIONS AND WARRANTIES

         3.1 Representations And Warranties. Each of the parties hereto
represents and warrants to the other party that (a) it is duly organized and
existing in good standing under the laws of its jurisdiction of organization and
has full power and authority to make and deliver this Amendment, (b) the
execution, delivery, and the performance of this Amendment have been duly
authorized by all necessary action and do not and will not violate the
provisions of, or constitute a default under, any presently applicable law or
its organizational documents or any agreement presently binding on it, (c) this
Amendment has been duly executed and delivered by its duly authorized
attorney-in-fact, officer, or member as the case may be, and constitutes the
lawful, binding, and legally enforceable agreement and obligation of such party,
and (d) the authorization, execution, delivery, and performance of this
Amendment do not require notification to, registration with, or consent or
approval by, any federal, state, province, or local regulatory body or
administrative agency.

                                   ARTICLE IV

                                  MISCELLANEOUS

         4.1 Ratification. The Amended Loan Agreement is hereby ratified,
approved, and confirmed in every respect, and shall remain in full force and
effect.

         4.2 Further Assurances. The parties hereto agree to do and perform,
from time to time, any and all acts and to execute any and all further
instruments required or reasonably requested by the other party to this
Amendment to more fully effect the purposes of this Amendment and the amendments
and modifications contained herein, including, without

                                       4
<PAGE>

limitation, the execution of any financing statements or continuation statements
or releases or amendments to financing statements or equivalent documents
relating to the TCS Funding V Receivables for filing under the provisions of the
Uniform Commercial Code as enacted in any applicable jurisdiction or other laws
of any applicable jurisdiction.

         4.3. Execution in Counterparts and by Facsimile. This Amendment may be
executed in any number of counterparts (including facsimile counterparts) and by
the different parties on separate counterparts, each of which when so executed
and delivered shall be deemed to be an original and all of which counterparts,
taken together, shall constitute but one and the same instrument.

         4.4 Costs and Expenses. The Borrower agrees to pay all costs and
expenses in connection with the negotiation, preparation, execution, delivery,
and administration of this Fifth Amendment and any and all other documents
furnished in connection with the execution and delivery of this Amendment,
including reasonable attorneys' fees and expenses.

         4.5 Governing Law. This Amendment shall be governed by, and construed
in accordance with, the internal laws (without regard to the conflict of laws
provisions) of the State of California.

                            (Signature Page Follows)

                                       5
<PAGE>

        IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
executed by their respective officers thereunto duly authorized, as of the date
first above written.

THE CREDIT STORE, INC.

By: /s/ Charles A. Schultz
    ---------------------------
    Charles A. Schultz, Jr. VP

COAST BUSINESS CREDIT,
A division of Southern Pacific Bank

By: /s/ illegible, SVP
    ---------------------------

     (Signature Page 1 of 1 to the Tenth Amendment to Coast Loan Agreement)

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