Exhibit 10.47





EXECUTION COPY





FIRST AMENDMENT


TO


LOAN AGREEMENT





THIS FIRST AMENDMENT (this First Amendment) is made and entered into as of November 4, 2002 by and between RMH
TELESERVICES, INC., a Pennsylvania corporation (the Borrower) and FOOTHILL CAPITAL CORPORATION, a California corporation (Lender).





W I T N E S S E T H:





WHEREAS, the Borrower and the Lender are parties to that certain Loan Agreement (the Loan Agreement), dated as of September 4, 2002;





WHEREAS, the Borrower and the Lender wish to further amend the Loan Agreement as herein provided.





NOW, THEREFORE, in consideration of the agreements and provisions herein contained, the parties hereto do hereby agree as follows:





Section 1.Definitions.  Any capitalized term used but not otherwise
defined herein shall have the meanings ascribed to such terms in the Loan Agreement.





Section
2.Amendments to Loan Agreement.  The Loan Agreement is hereby amended, effective as of the date this First Amendment becomes effective in accordance with Section 4 hereof, as follows:





2.01Amendments to Section 1.1.





(a) The definition of Eligible Billed Accounts is hereby amended by deleting subsection (i) in its entirety and
inserting the following new subsection (i) in replacement thereof:





(i) Accounts with
respect to an Account Debtor whose total obligations owing to Borrower exceed 10% (such percentage as applied to a particular Account Debtor being subject to reduction by Lender in its Permitted Discretion if the creditworthiness of such Account
Debtor deteriorates) of all Eligible Accounts, to the extent of the obligations owing by such Account Debtor in excess of such percentage; provided, however, that subject to Lenders ability to adjust such percentage limitations
in its Permitted Discretion, (a) as to the following Account Debtors, the percentage limitation of 15% (in lieu of 10%)






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shall apply for purposes hereof: Citicorp, Inc., Nextel Communications and Aegon
USA, Inc., and (b) as to the following Account Debtors, the percentage limitation of 20% (in lieu of 10%) shall apply for purposes hereof: Microsoft Corporation, AT&T Corp. and United Parcel Service of America, Inc.





(b) The definition of Eligible Unbilled Accounts is hereby amended by deleting subsection (i) in its
entirety and inserting the following new subsection (i) in replacement thereof:





(i)
Accounts with respect to an Account Debtor whose total obligations owing to Borrower exceed 10% (such percentage as applied to a particular Account Debtor being subject to reduction by Lender in its Permitted Discretion if the creditworthiness of
such Account Debtor deteriorates) of all Eligible Accounts, to the extent of the obligations owing by such Account Debtor in excess of such percentage; provided, however, that subject to Lenders ability to adjust such percentage
limitations in its Permitted Discretion, (a) as to the following Account Debtors, the percentage limitation of 15% (in lieu of 10%) shall apply for purposes hereof: Citicorp, Inc., Nextel Communications and Aegon USA, Inc., and (b) as to the
following Account Debtors, the percentage limitation of 20% (in lieu of 10%) shall apply for purposes hereof: Microsoft Corporation, AT&T Corp. and United Parcel Service of America, Inc.





Section 3.Representations and Warranties.  In order to induce the Lender to enter into this First
Amendment, the Borrower hereby represents and warrants that:





3.01No
Default.  At and as of the date of this First Amendment and at and as of the Effective Date and both prior to and after giving effect to this First Amendment, no Default or Event of Default exists and is continuing.





3.02Representations and Warranties True and Correct.  At and as of the
date of this First Amendment and at and as of the Effective Date and both prior to and after giving effect to this First Amendment, each of the representations and warranties contained in the Loan Agreement and the other Loan Documents is true and
correct in all material respects.





3.03Corporate Power,
Etc.  The Borrower (i) has all requisite corporate power and authority to execute and deliver this First Amendment and to consummate the transactions contemplated hereby and (ii) has taken all action, corporate or
otherwise, necessary to authorize the execution and delivery of this First Amendment and the consummation of the transactions contemplated hereby.





3.04No Conflict.  Neither the execution and delivery of this First Amendment nor consummation of the transactions contemplated hereby will (i)
conflict with or result in any breach or violation of any provision of the certificate of incorporation or by-laws of the Borrower, (ii) result in any breach or violation of, or constitute a default (or an event which, with notice or lapse of time
or both, would constitute a default) under, or result in the termination of, or accelerate the performance required by, or result in the creation of a Lien upon any of the properties or assets of the Borrower under, any of the terms, conditions or
provisions of any note,




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bond, mortgage, indenture, deed of trust, license, lease agreement or other instrument or obligation to
which the Borrower is a party or to which any of its properties or assets are subject, (iii) require any consent, approval, authorization or permit of, or filing with or notification to, any third party or any Governmental Authority, or (iv) violate
any order, writ, injunction, decree, judgment, ruling, law, statute, rule or regulation of any Governmental Authority.





3.05Binding Effect.  This First Amendment has been duly executed and delivered by the Borrower and constitutes the legal, valid and binding obligation of the Borrower,
enforceable against the Borrower in accordance with its terms, except as such enforceability may be limited by (i) applicable bankruptcy, insolvency, reorganization, moratorium or other similar laws, now or hereafter in effect, relating to or
affecting the enforcement of creditors rights generally, and (ii) the application of general principles of equity (regardless of whether such enforceability is considered in a proceeding in equity or at law).





Section 4.Conditions.  This First Amendment shall be effective as of October
, 2002 (the Effective Date) upon the fulfillment by the Borrower, in a manner satisfactory to the Lender, of all of the following conditions precedent set forth in this
Section 4:





4.01Execution of the First Amendment.  Each of
the parties hereto shall have executed and delivered an original counterpart of this First Amendment.





4.02Delivery of Other Documents.  The Lender shall have received all other such instruments, documents and agreements as the Lender may reasonably request, duly executed and
dated the date hereof, in form and substance reasonably satisfactory to the Lender.:





4.03Representations and Warranties.  As of the Effective Date, the representations and warranties set forth in Section 3 hereof shall be true and correct.





4.04[Intentionally Omitted].





4.05Compliance with Terms.  The Borrower shall have complied in all respects with the terms hereof and of any
other agreement, document, instrument or other writing to be delivered by the Borrower in connection herewith.





|Section |  | 5.General Confirmations and Amendments.
|------- |  | ---------------------------------------




5.01Continuing Effect.  Except as specifically provided herein, the Loan Agreement and the other Loan Documents
shall remain in full force and effect in accordance with their respective terms and are hereby ratified and confirmed in all respects.





5.02No Waiver.  This First Amendment is limited as specified and the execution, delivery and effectiveness of this First Amendment shall not operate as a modification,
acceptance or waiver of any provision of the Loan Agreement or any other Loan Document, except as specifically set forth herein.





5.03References.




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(a) From and after the Effective Date, (i) the Loan Agreement, the other Loan
Documents and all agreements, instruments and documents executed and delivered in connection with any of the foregoing shall each be deemed amended hereby to the extent necessary, if any, to give effect to the provisions of this First Amendment and
(ii) all of the terms and provisions of this First Amendment are hereby incorporated by reference into the Loan Agreement as if such terms and provisions were set forth in full therein, as applicable.





(b) From and after the Effective Date, (i) all references in the Loan Agreement to this Agreement, hereto,
hereof, hereunder or words of like import referring to the Loan Agreement shall mean the Loan Agreement as amended hereby and (ii) all references in the Loan Agreement, the other Loan Documents or any other agreement,
instrument or document executed and delivered in connection therewith to Loan Agreement, thereto, thereof, thereunder or words of like import referring to the Loan Agreement shall mean the Loan
Agreement as amended hereby.





Section 6.Miscellaneous.





6.01Governing Law.  THIS FIRST AMENDMENT SHALL BE GOVERNED BY, AND CONSTRUED IN
ACCORDANCE WITH, THE LAWS OF THE STATE OF NEW YORK.





6.02Severability.  The provisions of this First Amendment are severable, and if any clause or provision shall be held invalid or unenforceable in whole or in part in any
jurisdiction, then such invalidity or unenforceability shall affect only such clause or provision, or part thereof, in such jurisdiction and shall not in any manner affect such clause or provision in any other jurisdiction, or any other clause or
provision in this First Amendment in any jurisdiction.





6.03Counterparts.This First Amendment may be executed in any number of counterparts, each of which counterparts when executed and delivered shall be an original, but all of
which shall together constitute one and the same instrument. A complete set of counterparts shall be lodged with the Borrower and the Lender.





6.04Headings.Section headings in this First Amendment are included herein for convenience of reference only and shall not constitute a part of
this First Amendment for any other purpose.





6.05Binding Effect;
Assignment.  This First Amendment shall be binding upon and inure to the benefit of the Borrower and the Lender and their respective successors and assigns; provided, however, that the rights and obligations of the
Borrower under this First Amendment shall not be assigned or delegated without the prior written consent of the Lender.





6.06Expenses.  The Borrower agrees to pay the Lender upon demand for all reasonable expenses, including reasonable fees of attorneys and paralegals for the Lender (who may be
employees of the Lender), incurred by the Lender in connection with the preparation, negotiation and execution of this First Amendment and any document required to be furnished herewith.




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[Signature pages follow]




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








BORROWER:  RMH TELESERVICES, INC.By:

/s/    J. Scot BrunkeName:    J. Scot Brunke Title:    Chief
Financial Officer





LENDER:  FOOTHILL CAPITAL CORPORATIONBy:

/s/    Andrew I. Furlong IIIName:    Andrew I. Furlong III Title:    Vice President




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