Document:

<PAGE>

                                                                    Exhibit 10.1

                                                              Contract Order No.
                                       Master Services Agreement No CM011467KSS.

                                 CONTRACT ORDER
                                       TO
                            MASTER SERVICES AGREEMENT
                                     BETWEEN
                        SPRINT/UNITED MANAGEMENT COMPANY
                                       AND
                             RMH TELESERVICES, INC.

THIS CONTRACT ORDER NO. B0000 ("Contract Order") effective January 1st, 2002
("Effective Date") in accordance with MASTER SERVICES AGREEMENT NO. CM011467KSS
("Agreement") is between Sprint/United Management Company ("Sprint'), a Kansas
corporation, and RMH Teleservices, Inc. ("RMH"), a Pennsylvania corporation.

Pursuant to this Contract Order and the terms of the Agreement, RMH agrees to
supply and perform certain services related to the project as set out more fully
below, in consideration of the payment by Sprint at the rates set out below.

This Contract Order is for a specific project within the market defined by
Sprint as the Long Distance Division (LDD). The Services RMH will provide for
this market concentration is verification on the sale of Sprint's
telecommunication services.

1.   Term. The term of this Cotract Order shall commence as of the effective
     ----
     date of this Contract Order and end on December 31st, 2002 ("Initial
     Term"). This Contract Order and all its terms and conditions will be
     automatically renewed on a year-to-year basis, unless either party gives
     notice of its intent not to renew at least 60days before the expiration of
     the Initial Term or the then current term.

2.   RMH Responsibilities. On and subject to the terms and conditions of this
     --------------------
     Contract Order, RMH shall provide the following verification Services to
     Sprint according to the following terms:

     2.1  RMH shall act as an independent contractor for Sprint performing
          verification contacts on the sale of Sprint's telecommunications
          services. Verification contacts, defined as verbal communication with
          the responsible billing party (the "Customer") originating the
          agreement (also referred to as an "Order") to allow Sprint to provide
          defined telecommunications services as defined in the Order ("Ordered
          Services"), will be initiated from RMH facilities in Thunder Bay,
          Ontario.

     2.2  RMH shall receive the data on all new Orders to be verified through
          Sprint's order entry system, by mail, fax, e-mail or the Internet.
          Sprint shall make its order entry system available to RMH, and shall
          assist RMH in making RMH's system compatible and functional with
          Sprint's order entry system.

     2.3  RMH shall initiate verification by making verbal communication with
          the Customer to allow Sprint to provide Ordered Services.

     2.4  Such verbal communication shall verify the Customer's authorization to
          allow Sprint to provide the Ordered Services and to switch service as
          necessary. If Customer does not authorize Sprint to provide the
          Ordered Services, RMH shall terminate the call, and note call
          disposition status in the appropriate on-line system. If Customer
          authorizes Sprint to provide the Ordered Services, RMH shall:

                         Sprint Proprietary Information

                                        1

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                                                              Contract Order No.
                                       Master Services Agreement No CM011467KSS.

               2.4.1    Verify the Customer's demographic information.

               2.4.2    Confirm the Ordered Services.

               2.4.3    Adhere to scripts provided by Sprint to comply with
                        FCC and State regulations.

               2.4.4    Provide outbound/inbound services from 8:00 a.m. CST
                        to 11:00 p.m. CST Monday through Sunday for most
                        sales channels. In addition, provide services from
                        11:00 p.m. to 8:00 a.m. for PCS sales channels, or as
                        otherwise requested by Sprint to meet the needs of
                        the business and agreed to by RMH. Hours beyond those
                        indicated will be negotiated between Sprint and RMH.

      2.5      The completion of the above requirements in sections 2.4.1
               through 2.4.4 above, and the subsequent disposition of the
               call outcome by RMH shall constitute a "Completed Verification
               Contact".

      2.6      In performing the Services under this Contract Order, RMH
               shall adhere to the following procedures:

               2.6.1    RMH will list the appropriate Sprint assigned Group
                        Code to each order verified for tracking, reporting
                        and compensation purposes. "Group Code" is defined as
                        a unique Sprint numeric identifier assigned by Sprint
                        to its internal divisions or departments.

               2.6.2    Verification of Orders for on-line customers
                        transferred by the sales agent conferencing the
                        Customer on via an 800 number(s) terminating at the
                        verification facility.

               2.6.3    If on-line verification is not achieved under Section
                        2.6.1 above, RMH must place an outbound call.

               2.6.4    If the Customer cannot be reached within the 48-Hour
                        Period, Sprint agrees to send the customer a call
                        back letter that includes a toll free number to
                        confirm the sale.

               2.6.5    RMH shall fully support the inbound toll free calls
                        described in Section 2.6.4 in accordance with Section
                        2.7 below.

               2.6.6    With respect to orders handled by RMH, RMH shall
                        maintain on-going sign-on and targeting maintenance
                        in Sprint's order entry systems. Targeting is the
                        management of the presentation of Orders to be worked
                        to RMH's Verification Service Representatives
                        ("VSRs") for the purpose of verifications. RMH must
                        also assign group codes to all VSR's Amos sign-on's.
                        RMH will only be compensated for orders with the RMH
                        group code.

               2.6.7    RMH shall audio record all third party verification
                        calls processed. RMH shall first gain the customer's
                        approval for the audio recording and upon approval
                        record each call. RMH shall meet the following
                        requirements in regard to the audio recording
                        process.

                        2.6.7.1  The ability to retrieve the audio recording
                                 for a particular customer.

                        2.6.7.2  The ability to retrieve by the customer's
                                 working telephone number ("WTN") that is
                                                            ---
                                 being switched to Sprint within 48 hours (2
                                 business days).

                         Sprint Proprietary Information

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                                                              Contract Order No.
                                       Master Services Agreement No CM011467KSS.

                2.6.7.3  Capability of transferring the audio recording to a
                         wave file that can be sent to Sprint via electronic
                         mail when Sprint has the capability to read a wave
                         file. The wave file must be sent to Sprint within 24
                         hours of the request. This is Sprint's preferred method
                         of retrieval.

                2.6.7.4  Capability of mailing a hard copy of the recording
                         to Sprint upon request. The hard copy must be sent to
                         Sprint within 48 hours of the request.

                2.6.7.5  RMH must maintain all audio recordings for a period
                         of 2 years 6 months from the verification date.

                2.6.7.6  If Sprint and RMH terminate this Contract Order, all
                         audio recordings created under this Contract Order will
                         still be provided to Sprint by RMH for a period of 2
                         years 6 months from the date of the verification, and
                         in the same format, at no additional cost to Sprint.

                2.6.7.7  When requesting a copy of an RMH audio recording,
                         Sprint agrees to supply the Customer's WTN upon
                         request. If RMH can not locate the recording with the
                         WTN only, upon notification by RMH within 24 hours,
                         Sprint agrees to provide the following information: the
                         date and time of the sale, the date and time of the
                         verification and the ASG number for the VSR confirming
                         the call so that it can be determined to be a valid RMH
                         audio recording.

                2.6.7.8  For every valid RMH Audio Recording that can not be
                         produced by RMH, RMH will reimburse Sprint for the
                         charges associated with settlement of each slamming
                         charge and for all operational costs incurred by Sprint
                         to prepare for the settlement case. Voluntary
                         contributions, as negotiated by Sprint and the
                         appropriate regulatory agency, will be made by RMH to
                         the US Treasury (or appropriate legal entity) in
                         settlement of Slamming disputes and fines imposed by
                         Federal, State, or Local regulatory bodies that are
                         incurred by Sprint due to RMH's failure to retrieve a
                         valid RMH audio recording due to the negligence of RMH
                                                              ----------
                         personnel. RMH's liability under this Section 2.6.7.8
                         will be limited to [REDACTED DUE TO REQUEST FOR
                         CONFIDENTIAL TREATMENT] per occurrence, with a contract
                         year limitation of liability of [REDACTED DUE TO
                         REQUEST FOR CONFIDENTIAL TREATMENT]. RMH shall not be
                         penalized if the recording cannot be located due to a
                         technological issue. RMH agrees to notify Sprint in
                         writing within 24 hours of identification of any
                         problem that could adversely affect the audio recording
                         process. Additionally, RMH agrees to maintain a log of
                         technological issues identified related to audio
                         recordings.

                2.6.7.9  RMH will provide monthly wave files to Sprint for
                         audio recordings requested by Sprint. RMH will also
                         convert to wave files a random sampling of 50-70 audio
                         recordings performed in connection with this Contract
                         Order on a monthly basis that will be logged and stored
                         in a dedicated computer for Sprint's retrieval and
                         review at its option and at its chosen time and date.

                         Sprint Proprietary Information

                                        3

<PAGE>

                                                              Contract Order No.
                                       Master Services Agreement No CM011467KSS.

         2.7      Performance Standards. In performing the services under this
                  Contract Order, RMH shall, subject to the terms hereof,
                  achieve Performance Standards described in this Section 2.8 on
                  a monthly basis unless stated otherwise on the specific sales
                  channels designated by Sprint which are supported by RMH.

                  2.7.1    [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT]
                           of all residential Orders to be verified are to have
                           Completed Verification Contacts within the 48 -Hour
                           Period.

                  2.7.2    No more than [REDACTED DUE TO REQUEST FOR
                           CONFIDENTIAL TREATMENT] of the residential Orders
                           will be sent the call back letter.

                  2.7.3    [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT]
                           of all commercial Orders to be verified are to have
                           Completed Verification Contacts within the 48-Hour
                           period.

                  2.7.4    No more than [REDACTED DUE TO REQUEST FOR
                           CONFIDENTIAL TREATMENT] of the commercial Orders will
                           be sent the call back letter.

                  2.7.5    No more than [REDACTED DUE TO REQUEST FOR
                           CONFIDENTIAL TREATMENT] of residential Orders will be
                           pending weekly.

                  2.7.6    No more than [REDACTED DUE TO REQUEST FOR
                           CONFIDENTIAL TREATMENT] of commercial Orders will be
                           pending weekly.

                  2.7.7    A minimum of [REDACTED DUE TO REQUEST FOR
                           CONFIDENTIAL TREATMENT] of all inbound calls will be
                           answered daily.

                  2.7.8    A minimum of [REDACTED DUE TO REQUEST FOR
                           CONFIDENTIAL TREATMENT] of all inbound calls will be
                           answered within 11 seconds daily.

                  2.7.9    If due to the act, omission to act, or fault of
                           Sprint, RMH does not have necessary access to data or
                           is unable to receive data, including if due to slow
                           system response time (greater than forty-five (45)
                           seconds between screens), in a timely manner
                           necessary to meet performance standards, RMH will be
                           deemed to have met the performance standards during
                           the access problem time period. The Sprint
                           verification team must be notified in writing within
                           1 hour of the occurrence. Such notification will
                           include: system(s) impacted by the problem, number of
                           orders impacted by the problem, and the documentation
                           by RMH in working with Sprint to resolve the issue.

                  2.7.10   RMH shall meet Quality Assurance measurements as
                           mutually agreed upon in writing by both parties. RMH
                           shall perform monitoring on [REDACTED DUE TO REQUEST
                           FOR CONFIDENTIAL TREATMENT] of total orders processed
                           per VSR per month.

         2.8      Staffing

                  2.8.1    RMH agrees to provide sufficient staff within three
                           (3) weeks (two weeks for hiring and one week for
                           training) of RMH's receipt of an increase staffing
                           notification from Sprint based on increased sales
                           budget. The three-week period may be extended as
                           mutually agreed upon in writing by RMH and Sprint if
                           training needs to be longer than one (1) week, which
                           agreement shall not be unreasonably withheld by
                           either party.

                  2.8.2    RMH shall provide at no additional charge to Sprint:

                           a.   [REDACTED DUE TO REQUEST FOR CONFIDENTIAL
                                TREATMENT]
                           b.   [REDACTED DUE TO REQUEST FOR CONFIDENTIAL
                                TREATMENT]
                           c.   [REDACTED DUE TO REQUEST FOR CONFIDENTIAL
                                TREATMENT]
                           d.   [REDACTED DUE TO REQUEST FOR CONFIDENTIAL
                                TREATMENT]
                           e.   [REDACTED DUE TO REQUEST FOR CONFIDENTIAL
                                TREATMENT]

                  2.8.3    RMH shall provide training on the Sprint verification
                           process, hereunder by trainers employed by RMH who
                           have been certified by RMH on Sprint's program.

                         Sprint Proprietary Information

                                       4

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                                                              Contract Order No.
                                        Master Service Agreement No CM011467KSS.

               2.8.4  RMH shall provide up to one week of Sprint training for
                      all new RMH employees, to be performed by RMH trainer.

               2.8.5  RMH agrees to provide at least one full-time supervisor
                      fluent in Spanish at no additional charge to Sprint, if
                      Sprint business requires 5 or more Spanish speaking VSRs.
                      The Supervisor will be considered a working "VSR".

               2.8.6  VSR focus group feedback will be made available to the
                      Sprint Account Manager on a weekly basis in a format
                      agreed upon by Sprint and RMH.

          2.9  Reporting

               2.9.1  RMH shall produce, at its own expense, a monthly review
                      deck using a mutually agreed upon format for reports and
                      supporting documentation depicting results of the required
                      Performance Standards.

               2.9.2  RMH managers or supervisors supporting the Sprint TPV
                      Services will participate in daily Sprint "huddles" and
                      meetings via conference calls.

               2.9.3  RMH shall monitor daily reports generated by Sprint and/or
                      RMH to overall manage the Services.

               2.9.4  RMH shall provide its standard ACD reporting depicting:
                      inbound calls taken by 800# (DNIS), average speed of
                      answer, abandon rate and number of agents on the phones by
                      half-hour.

               2.9.5  RMH shall provide a weekly and monthly consolidation of
                      ACD reporting.

               2.9.6  RMH agrees to report unusual or sub-standard activity as
                      related to verification services within two (2) days of
                      identification.

               2.9.7  RMH agrees to provide monthly operational reviews to
                      Sprint management at a designated and active RMH facility.

               2.9.8  RMH agrees to provide a monthly report of the number of
                      customer inquiries received.

               2.9.9  Sprint agrees to provide accurate reporting to RMH within
                      10 business days of the end of the calendar month which
                      details the inbound and outbound confirmed calls for all
                      environments supported by RMH.

               2.9.10 RMH will perform root cause analysis for unconfirmed
                      orders and provide those results to Sprint upon request.

          2.10 Hardware/Equipment

               2.10.1 RMH shall provision and support all VSR workstation
                      hardware for connection to Sprint owned AS400 controllers.

               2.10.2 RMH shall bear all costs associated with the purchase and
                      operation of the VSR workstations. Such workstations shall
                      be connected in a local area network ("LAN") with
                      sufficient security to prevent unauthorized access to
                      Sprint information. All stations will have at least the
                      following characteristics:

                         Sprint Proprietary Information

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                                                              Contract Order No.
                                       Master Services Agreement No CM011467KSS.

                  a.              Pentium III Processor, 500 MHZ
                  b.              256 Megabyte RAM
                  c.              3 Gigabyte hard drive
                  d.              IBM Token Ring or Ethernet card
                  e.              17" Color Monitor
                  f.              101/102 Enhanced Keyboard
                  g.              Mouse
                  h.              Windows NT

         2.10.3   RMH shall provide a dedicated Printer (Hewlett Packard or H/P
                  emulated) for daily / weekly / monthly reporting assigned to
                  Sprint's AS400 system.

         2.10.4   RMH shall be responsible for the cost of all VSR workstation
                  telephone hardware and software. Sprint shall provide T1's
                  and CSU's/DSU's. The CSU/DSU will be the Sprint Demarc.

         2.10.5   RMH shall be responsible for all voice connections and
                  equipment from the CSU/DSU to RMH' facility.

         2.10.6   RMH will provide a comprehensive Disaster Recovery plan to
                  Sprint. The plan shall include the timeframes for notification
                  of system downtime, the parties to be notified, including
                  escalation points of contact. RMH and Sprint to determine if a
                  second site for redundancy is needed.

         2.10.7   RMH shall provide compatibility with Sprint's current network
                  routing product for acceptance of inbound overflow calls.

         2.10.8   All other hardware and software costs necessary to meet Sprint
                  operational requirements will be negotiated

2.11     Invoicing

         2.11.1   RMH agrees to provide [REDACTED DUE TO REQUEST FOR
                  CONFIDENTIAL TREATMENT] invoices detailing all agreed upon
                  charges in accordance with Section 2.4 of the Agreement by the
                  [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT]. To meet
                  the agreed upon date in this Section 2.11.1, Sprint must
                  provide RMH with the proper reports necessary to complete the
                  invoices no later than the [REDACTED DUE TO REQUEST FOR
                  CONFIDENTIAL TREATMENT].

         2.11.2   RMH's monthly invoice will be broken down by each Sprint sales
                  channel supported (i.e., BSG and CSG sales channels).

         2.11.3   Payment of invoices is expected within [REDACTED DUE TO
                  REQUEST FOR CONFIDENTIAL TREATMENT] days of the date of issue
                  as indicated on the invoice. RMH will invoice monthly for the
                  Services performed by RMH. Invoices will reference Contract
                  Order No. B0000____ and be distributed as follows by the
                  [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT] business
                  day of the following month:

                  Sprint:         Sprint Supplier Disbursements
                                  6860 W. 115/th/ Street
                                  Mailstop:  KSOPKD0101
                                  Overland Park, KS 66211
                                  Phone: (888) 283-4636 (INFO)
                                  Fax: (913) 433-1941

                         Sprint Proprietary Information

                                        6

<PAGE>

                                                              Contract Order No.
                                       Master Services Agreement No CM011467KSS.

                           Copy:            Sprint
                                            Keith Rose
                                            903 E. 104/th/ Street
                                            Mailstop: MOKCMW0906
                                            Kansas City, MO 64131
                                            Phone: (816)854-7904
                                            Fax:   (816)854-7055

         2.12     General

                  2.12.1   RMH agrees to provide Sprint management with
                           temporary shared workspace within the operating
                           location. This space will be equipped with analog
                           line for modem hook-up and telephone with
                           inbound/outbound calling ability; both connected to
                           the Sprint dedicated T1.

                  2.12.2   To the extent legally permitted, RMH agrees to allow
                           Sprint employees to remote monitor VSRs working under
                           the terms of this Contract Order. RMH shall provide
                           unassisted monitoring capability via phone from
                           anywhere in the United States.

                  2.12.3   In the event Sprint receives a complaint from a
                           customer or regulatory agency, Sprint will so notify
                           RMH and RMH must resolve the complaint as soon as
                           reasonably practicable after actual receipt of
                           notification. Under all circumstances RMH agrees to
                           provide complaint resolution status within 48 hours
                           in writing to Sprint and every 48 hours thereafter
                           until the complaint is resolved to Sprint's
                           satisfaction. RMH shall follow Sprint's accepted
                           resolution process.

                  2.12.4   The identities (including but not limited to the
                           name, address and telephone number) of the persons
                           contacted as customers or potential customers for
                           Sprint by RMH during the term of this Contract Order
                           are trade secrets belonging to Sprint. RMH shall not
                           sell, release or otherwise disclose the identities of
                           such person it has contacted, or any other trade
                           secrets of Sprint, to any third party at any time.

                  2.12.5   RMH shall provision to provide DNIS routing and
                           display within five (5) days of receipt by RMH of
                           Sprint's written routing request.
                           RMH shall respond to Sprint within twenty-four (24)
                           hours of receipt of electronic mail messages.

                  2.12.6   If Supplier has more than 1 major infraction or
                           escalation as determined by Sprit during the term of
                           this Contract Order, Sprint may, at its sole
                           decision, require RMH to increase monitoring to
                           [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT]

3.       Sprint Responsibilities.
         -----------------------

         3.1      Sprint shall provide access to all databases required to
                  perform the verification function and other duties hereunder.
                  Database access can be modified at any time and is controlled
                  solely by Sprint management. Sprint will not modify or
                  restrict database in any manner that would result in
                  non-performance by RMH or would otherwise hinder RMH's
                  performance hereunder.

                        Sprint Proprietary Information

                                       7

<PAGE>

                                                              Contract Order No.
                                       Master Services Agreement No CM011467KSS.

         3.2      Sprint shall provide the data circuits and controllers
                  necessary to support connection to Sprint's AS400 computer.

         3.3      Sprint shall provide access to any necessary training and
                  other materials relating to new products, promotions, etc.

         3.4      Sprint shall provide notice of all sales efforts and
                  promotions that may impact RMH's job requirements and
                  performance, sufficiently far in advance so as to enable RMH
                  to meet its job requirements and performance.

         3.5      Sprint shall provide, at Sprint's expense, an Account Manager
                  who will act as the primary Sprint contact and who will have
                  primary responsibility for assuring compliance with the terms
                  of this Contract Order.

         3.6      Sprint shall provide written notification to RMH two weeks
                  prior to a holiday, when holiday coverage is needed. Holidays
                  are defined as: New Year's Day, Memorial Day, Independence
                  Day, Labor Day, Thanksgiving Day, Christmas Day. Notification
                  is to include projection by language and hours of operation.

   4.    Compensation.  RMH shall be paid for the Services performed  in
         ------------
         accordance with the terms of this Contract Order at thefollowing rates:

         4.1      RMH's agreed upon rate with Sprint is [REDACTED DUE TO REQUEST
                  FOR CONFIDENTIAL TREATMENT] per "Completed Verification
                  Contact". The [REDACTED DUE TO REQUEST FOR CONFIDENTIAL
                  TREATMENT] is inclusive of all telecommunication charges. (A
                  "Completed Verification Contact" is described in sections
                  2.4.1 through 2.4.4).

                  4.2      RMH's agreed upon rate with Sprint for all overnight
                           (12:00am-7:59am) hours will be [REDACTED DUE TO
                           REQUEST FOR CONFIDENTIAL TREATMENT].
                  4.3      RMH agreed upon rate with Sprint for all Spanish
                           hours will be [REDACTED DUE TO REQUEST FOR
                           CONFIDENTIAL TREATMENT] per complete from
                           8:00am-7:59pm.
                           The agreed upon rate from 8:00pm-7:59am will be
                           [REDACTED DUE TO REQUEST FOR CONFIDENTIAL
                           TREATMENT].

         4.5      Application Development. Upon written request by Sprint,
                  detailing requirements for new application or database setup,
                  RMH shall develop a formal detailed cost estimate within five
                  business days after receipt of request. RMH's agreed upon
                  development rate with Sprint is [REDACTED DUE TO REQUEST FOR
                  CONFIDENTIAL TREATMENT]. In all cases where RMH prepares a
                  formal estimate, Sprint and RMH shall review the estimate, and
                  shall agree on a firm price basis for the work, either as an
                  hourly rate, or a firm unit price, prior to any such work
                  being done by RMH.

         4.3      Dispute Resolution/Arbitration. For purposes of section 16.1
                  of the Agreement both parties agree to give the other party
                  notice of any dispute not resolved in the normal course of
                  business by contacting the following parties:

                         Sprint Proprietary Information

                                        8

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                                                              Contract Order No.
                                       Master Services Agreement No CM011467KSS.

<TABLE>
<S>                                                         <C>
                  Sprint:  Group Manager                   RMH:  Vice President
                           Todd Muscari                          Michael Politz
                           6360 Sprint Pkwy, Bldg 5              40 Morris Avenue
                           Overland Park, KS 66251               Bryn Mawr, PA  19010
                           Mailstop:  KSPOHE0410-4B426           Phone: (800) 367-5733
                           Phone:  (913)762-2107                 Fax:   (610) 526-9091
                           Fax:    (913)762-0510

                           Director                              Senior Vice President
                           Jeff Balagna                          Jim McGrath
                           903 E. 104/th/ Street                 40 Morris Avenue
                           Mailstop:  MOKCMW0906                 Bryn Mawr, PA  19010
                           Kansas City, MO  64131                Phone: (800) 367-5733
                           Phone:  (816)854-7506                 Fax:   (610) 520-9091
                           Fax:    (816)854-7392

                           Vice-President                        COO
                           Gary R. Owens                         Bob Berwanger
                           6330 Sprint Parkway, Bldg. 1          40 Morris Avenue
                           Mailstop: KSOPHA0306-3A851            Bryn Mawr, PA 19010
                           Overland Park, KS  66251              Phone: (800) 367- 5733
                           Phone:  (913) 762-4548                Fax:   (610) 520-5354
                           Fax:    (913) 762-0123
</TABLE>

         4.4      Changes or Amendments. The terms and conditions of this
                  Contract Order may be not amended or changed unless agreed to
                  by both parties in writing or as may be allowed in the terms
                  of the Agreement.

         4.5      Incorporation of Terms of Master Agreement. This Contract
                  ------------------------------------------
                  Order is entered into by the parties pursuant to the
                  Agreement. All of the terms, provisions and conditions of the
                  Agreement are hereby incorporated herein and made a part
                  hereof as if such terms, provisions and conditions were fully
                  set forth in this Contract Order. By their execution and
                  delivery of this Contract Order, the parties hereby reaffirm,
                  and agree to be bound by, all of the terms, provisions and
                  conditions of the Agreement.

SIGNED

SPKNT/UNITED MANAGEMENT                            RMH TELESERVICES, INC.

/s/ Kathleen Sherrer                               /s/ Paul J. Burkitt
---------------------------                        -----------------------------
(Signature)                                        (Signature)

    Kathleen Sherrer                                   Paul J. Burkitt
---------------------------                        -----------------------------
(Print Name)                                       (Print Name)

Assoc. Negotiator                                  EVP Sales & Marketing
---------------------------                        -----------------------------
(Title)                                            (Title)

     12/14/01                                              12/10/01
---------------------------                        -----------------------------
(Date)                                             (Date)

                         Sprint Proprietary Information

                                       9<PAGE>

                                                                    Exhibit 10.2

                        TELEMARKETING SERVICES AGREEMENT
                        --------------------------------

         This Agreement is effective as of January 1, 2002, between Citicorp
                                           ---------
Credit Services, Inc., having a place of business at One Court Square, Long
Island City, New York 11120 ("CCSI") and RMH, Inc. having a place of business at
40 Morris Avenue, Bryn Mawr, PA 19010 ("Vendor"). The Agreement sets forth the
terms and conditions governing the services that Vendor shall provide to CCSI.

ARTICLE 1.  VENDOR RESPONSIBILITIES
            -----------------------

1.1      Vendor shall provide to CCSI the outbound telemarketing services
         described in the attached Exhibit 1 ("Services") pursuant to the
                                   ---------
         provisions of this Agreement. Performance, quality and employee
         security standards, and Service fees (with applicable taxes separately
         itemized) are set forth in Exhibit 1. If additional services are to be
                                    ---------
         covered by this Agreement, Vendor and CCSI shall prepare additional
         sequentially numbered Exhibits signed by both parties.

1.2      CCSI shall retain Vendor, on a non-exclusive basis, from time to
         time, at CCSI's sole discretion, in connection with the Services
         recited herein.

1.3      Vendor may not assign any part of the Services without CCSI's prior
         written approval. Notwithstanding such approval, Vendor shall remain
         responsible for all obligations under this Agreement and for the acts
         or omissions of its agents or subcontractors.

1.4      To the extent Vendor performs Services on the premises of CCSI or its
         corporate affiliates, Vendor shall observe the working hours and
         policies, security measures and holiday schedules of CCSI.

1.5      While this Agreement is in effect, and for a period of six (6) months
         after the termination of this Agreement, neither party shall hire or
         solicit the employment of any person whom the other party employed
         during the period of this Agreement or the six-month period preceding
         this Agreement's effective date. The obligations of this Article 1.5
         shall survive the termination of this Agreement.

1.6      Vendor agrees to maintain a "Do Not Call" process at its facilities.
         Vendor shall send prospects or cardholders "Do Not Call" requests to
         CCSI or its designee on a weekly basis in a format mutually agreed
         upon.

1.7      Vendor shall: (a) comply with all applicable laws while performing
         Services (including, without limitation, federal and state
         telemarketing sales laws and regulations); (b) obtain all necessary
         consents and authorizations, and comply with any licensing requirements
         with respect to its business prior to providing Services; (c) ensure
         that none of the Services will infringe on the proprietary or ownership
         rights of any party; (d) calculate, report, and remit all sales, use,
         excise, or similar taxes related to its performance of Services; and
         (e) be solely liable for any taxes, penalties, or interest which may be
         imposed due to Vendor's failure to timely file returns or deposit
         appropriate taxes of any nature whatsoever. Vendor shall provide to
         CCSI, at least once each calendar year upon request, Vendor's
         certification of compliance and supporting compliance manual relating
         to the Services.

<PAGE>

1.8      Vendor shall obtain CCSI's prior written approval of all scripts,
         screens and other training/guidance materials to be used in connection
         with the Services.

1.9      Vendor shall comply with the Data Security Requirements for Vendors,
         subject of Exhibit 2.
                    ---------

ARTICLE 2.  CCSI RESPONSIBILITIES
            ---------------------

2.1      In consideration of the Services to be performed, CCSI shall pay Vendor
         the fees set forth in Exhibit 1. In accordance with the provisions of
                               ---------
         this Agreement, CCSI shall reimburse Vendor for reasonable and
         necessary out-of-pocket expenses that Vendor incurs while performing
         Services. Vendor shall obtain CCSI's approval in writing prior to
         incurring such additional expenses.

2.2      From time to time, CCSI shall instruct Vendor how to submit itemized
         invoices or other expense documentation. In the event of Vendor's (a)
         failure to comply with such instruction or (b) submission for
         reimbursement of expenses that are questionable or inadequately
         documented, CCSI may withhold payment of any such invoices or expenses.
         Pending resolution of any disputed amount, such non-payment will not
         constitute CCSI's breach of this Agreement. CCSI shall reimburse
         authorized expenses submitted up to thirty (30) days after the
         termination of this Agreement. Upon termination of this Agreement, CCSI
         shall pay Vendor for any sums owed for Services that Vendor performed
         prior to the termination date if such sums are not in dispute.

2.3      CCSI shall: (a) comply with all applicable laws while performing its
         responsibilities;  and (b) obtain all necessary consents and
         authorizations prior to performing its responsibilities.

ARTICLE 3.  VENDOR'S EMPLOYEES
            ------------------

3.1.     Vendor agrees to conduct such through investigations of all employees
         who provide Services hereunder, in accordance with CCSI guidelines set
         forth herein, and conduct any additional investigations or interviews
         deemed reasonably necessary by CCSI.

3.2.     Each employee of Vendor who works on Services and who has or will have
         access to sensitive Information (as defined hereinafter) must have a
         background check completed for crimes of fraud and breach of trust. If
         it is determined that any employee has been convicted of either of
         these crimes, such employee may not work perform work related to the
         Services. In lieu of such background checks, Vendor may elect to have
         its employees work in a strictly penless and paperless environment,
         provided such policy is strictly enforced and communicated clearly to
         all employees. Under these circumstances, employees shall not be
         permitted to have access to paper and pens or other writing implements
         at their work stations, whether in their personal belongings or
         otherwise.

3.3.     Vendor shall promptly replace any employee who fails to comply with the
         procedures and policies established by CCSI with respect to its
         Services, including without limitation those pertaining to
         confidentiality and telemarketing. CCSI shall have the right to require
         Vendor to replace any employee CCSI shall identify as failing to comply
         with any of the procedures and policies established pursuant to this
         Agreement with respect to the Programs.

<PAGE>

3.4.     Vendor shall ensure that all employees who provide Services shall be
         advised of the obligations set forth in Article 3 of this Agreement and
         sign a statement of understanding, in a form satisfactory to CCSI, in
         which each such employee agrees to be bound by the terms thereof.

3.5.     Vendor shall maintain a sufficient number of employees to support all
         services required to be performed hereunder in compliance with the
         terms of this Agreement, including, without limitation, information
         systems support staff and account management staff. Vendor shall use
         its best efforts not to transfer employees dedicated to provide
         Services to other unrelated areas to ensure continuity of Services.
         Vendor shall notify CCSI of any termination of any employee who has
         violated any legal requirements associated with the provision of
         Services within 24 hours following the notice of such termination.

3.6.     Vendor shall obtain CCSI's written approval, not unreasonably withheld
         or delayed, prior to launch of the Program, in order to offer
         incentives or other variable compensation to its telemarketing
         representatives based on number of sales in connection with the
         Program.

ARTICLE 4.  WORK PRODUCT
            ------------

Vendor agrees that any Work Product it produces at the request of and funded by
CCSI pursuant to this Agreement, or any pre-existing work product that it
modifies exclusively for CCSI, at CCSI's expense, in the course of providing
Services, excluding any Work Product pertaining to system interfaces, shall be
considered "work for hire" and the property of CCSI, unless otherwise agreed to
in writing. If and to the extent that the Work Product is a "work made for
hire," Vendor hereby assigns all rights, title and interest in the Work Product,
including but not limited to the copyright, to CCSI. Vendor shall not use such
work for hire for the benefit of any party other than CCSI or its corporate
affiliates. The term "Work Product" shall mean all marketing materials,
proposals, plans, film, tapes, recordings, telemarketing scripts, training
materials, documents, research materials and any other new or unique materials
designed or created by Vendor exclusively for or at the request of CCSI. The
provisions of this Article 4 shall survive the termination of this Agreement.

ARTICLE 5.  QUALITY ASSURANCE; SERVICE LEVELS
            ---------------------------------

5.1.     Vendor, on behalf of CCSI, shall audio record [REDACTED DUE TO REQUEST
         FOR CONFIDENTIAL TREATMENT] of the sale portion of all telemarketing
         calls made by customers and verify [REDACTED DUE TO REQUEST FOR
         CONFIDENTIAL TREATMENT] of all sales resulting from such calls. Vendor
         shall use all reasonable efforts to correct any problems identified by
         CCSI within [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT]
         following receipt of notice in writing from CCSI or, within such
         [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT] period, advise
         CCSI of the status of any such problem and request an extension of time
         or obtain direction from CCSI if any problem cannot reasonably be
         corrected with [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT].
         Audio recordings shall be stored by Vendor or a third party chosen by
         Vendor for a period of seven (7) years. If the Vendor utilizes a third
         party for the storage of audio recordings CCSI will be notified in
         writing.

5.2.     Vendor shall monitor each employee engaged in providing Services and
         evaluate each such employee's performance in a written format approved
         by CCSI. Upon CCSI's request, Vendor shall provide such evaluations to
         CCSI for its review. CCSI shall have the right to conduct scheduled and
         unscheduled remote monitoring of all such employees coordinated through
         Vendor's Quality Assurance Department. CCSI shall be entitled from time
         to time, with prior notice and at its option and expense, to send a
         representative to inspect the facility(ies) at which telemarketing
         calls are being conducted.

<PAGE>

5.3.     All data entry services performed with respect to the Services shall
         meet an accuracy standard of [REDACTED DUE TO REQUEST FOR CONFIDENTIAL
         TREATMENT]. Quality reports are generated by CCSI on a calendar month
         basis. CCSI shall provide Vendor with a report on data quality within
         [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT] following any data
         quality sampling and evaluation by CCSI to enable Vendor to remedy any
         problems identified in such report in an expeditious manner. Vendor
         shall have [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT] from
         receipt of such report to present CCSI its plan to cure any such
         problem and the remainder of the month in which such problem was
         identified to effectuate such cure. In the event the Vendor fails to
         cure any such problem within the foregoing period, then for each
         [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT] below the
         [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT] standard, the
         Vendor will rebate/reimburse CCSI [REDACTED DUE TO REQUEST FOR
         CONFIDENTIAL TREATMENT] of calling that month on the programs covered
         under the quality report.

5.4.     If, during any telemarketing campaign, Vendor materially deviates from
         Citibank or CCSI standards and procedures as provided to Vendor by CCSI
         for each campaign or appended to this Agreement as Exhibit 3, without
                                                            ---------
         CCSI's written authorization, or deviates from such standards and
         procedures in any manner which has an adverse impact on CCSI or any
         Cardholder, CCSI shall notify Vendor immediately following detection of
         any deviation and Vendor shall have [REDACTED DUE TO REQUEST FOR
         CONFIDENTIAL TREATMENT] from receipt of notification to present CCSI
         with its plan to cure such deviation and [REDACTED DUE TO REQUEST FOR
         CONFIDENTIAL TREATMENT] to effectuate such cure to the satisfaction of
         CCSI. In the event that the Vendor fails to cure such deviation within
         such [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT], the
         telemarketing fees payable by CCSI to Company for such campaign shall
         be reduced by [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT] for
         a maximum period of [REDACTED DUE TO REQUEST FOR CONFIDENTIAL
         TREATMENT].

5.5.     In the event Vendor, or any subcontractor and agent authorized to
         perform services hereunder, during the course of telemarketing
         solicitations (i) fails to obtain verification of a customer's
         agreement to enroll in the Program; or (ii) enrolls a customer in a
         Program notwithstanding the fact that the customer either did not
         indicate a desire to be enrolled or indicated a desire not to be
         enrolled in such program, then, for each such event Vendor shall pay
         Bank [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT] as a penalty;
         in the event the amount of failures exceeds [REDACTED DUE TO REQUEST
         FOR CONFIDENTIAL TREATMENT] during a one-year period, Vendor shall pay
         Bank [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT] for each such
         failure exceeding [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT].
         Any such payment will be in addition to (not in lieu of) any other
         rights, damages or remedies that Bank is entitled to under the terms of
         this Agreement or any applicable law.

ARTICLE 6.  CONFIDENTIALITY
            ---------------

6.1.     In performing Services, Vendor will have access to information that is
         confidential and proprietary to CCSI and CCSI may have access to
         information that is confidential and proprietary to Vendor
         ("Information"). Information, which may be oral or in
         written/electronic form, may include, without limitation: (a) names,
         addresses, telephone numbers, and demographic, behavioral, and credit
         information relating to Citibank or affiliated cardmembers or potential
         cardmembers; (b) marketing strategies, targeting methods, pricing,
         product lines, and other CCSI business objectives; and (c) marketing
         strategies, business methods and other proprietary information
         pertaining to Vendor. Vendor shall use Information only for the purpose
         of providing Services and not for any other purpose. Neither CCSI nor
         Vendor shall accumulate in any way or make use of Information of the
         other party for any purpose other than as necessary to facilitate their
         business relationship in accordance with the terms of this Agreement.
         Vendor shall ensure that only its employees, authorized agents, or
         subcontractors who need to know Information to perform Services will
         receive Information and that such persons agree in writing to be bound
         by the provisions of this Article 3. Without the other party's prior
         written consent, neither party may disclose Information of the other
         party to any

<PAGE>

          unauthorized party. Each party shall treat Information of the other
          party with at least the same degree of care that it treats its own
          confidential information and shall prevent disclosure of such
          Information to unauthorized parties. Each party shall notify the other
          party immediately of any loss or unauthorized disclosure or use of
          Information of the other party that comes to its attention.

6.2.      The obligations with respect to Information shall not apply to
          Information that: (a) either party already knew; (b) either party
          received from a third party which had the right to make such
          disclosure: (c) either party specifically authorizes the other party
          to disclose; (d) either party developed independently; (e) is in or
          becomes part of the public domain through no fault of either party; or
          (f) a party is ordered to disclose by law or regulation or by a court
          or agency with appropriate jurisdiction; provided that the party so
                                                   -------- ----
          ordered to disclose provides satisfactory evidence of any such basis
          for exclusion from the obligations governing Information.

6.3.      CCSI and Vendor agree that their use of Information shall comply
          with applicable law and the stated privacy and compliance policies of
          CCSI or its affiliate, Citigroup Inc.

6.4.      Each party agrees that any unauthorized use or disclosure of
          Information of the other party may cause immediate and irreparable
          harm to such other party for which money damages may not constitute an
          adequate remedy. In that event, each party agrees that injunctive
          relief may be appropriate.

6.5.      Upon demand, or upon the termination of this Agreement, each party
          shall comply with the other party's instructions regarding the
          disposition of Information in its possession or control.

6.6.      Unless necessary for the performance of Services or required by the
          rules of any stock exchange, Vendor shall not use CCSI's name or the
          name of a CCSI affiliate in any sales publication or advertisement or
          make any public statement relating to CCSI or its affiliates without
          obtaining CCSI's prior written consent, which consent shall not be
          unreasonably withheld. CCSI may, in its discretion, share general
          information about Vendor's performance under this Agreement with its
          agents and affiliates. Vendor recognizes that it has no right, title,
          interest, proprietary or otherwise, in or to any name, logo,
          copyright, service mark or trademark owned by CCSI or its affiliates.

6.7.      The obligations of this Article 6 shall survive the termination of
          this Agreement.

ARTICLE 7.  CONTINGENCY AND DISASTER RECOVERY PLANS
            ---------------------------------------

In order to ensure that there is no disruption of operations with respect to the
Services, Vendor agrees to have in place and implement, when necessary, a
contingency plan, approved by CCSI, that will enable Vendor to continue
operations in the event of a significant disturbance in its normal operations
and disaster recovery plan to ensure that duplicate copies of all data relating
to the Programs are stored in a secure manner and can be retrieved in the event
that a disaster disrupts Vendor's operations. In this regard, CCSI has
requested, and Vendor has agreed that the recovery plan will include a plan
whereby Vendor will continue to provide Services in its various facilities, as
well as have a second shared facility available for additional Services for
continuation of business ("COB") as well as for additional growth. Copies of the
contingency plan and disaster recovery plan are appended to this Agreement as

<PAGE>

Exhibit 4. Vendor agrees to conduct full tests of the approved plans at least
---------
once each year during the term of this Agreement.

ARTICLE 8.   INSURANCE
             ---------

While this Agreement is in effect, Vendor shall obtain and maintain all
insurance coverage required by federal or state law, including, without
limitation, workers' compensation and disability insurance. Vendor shall also
maintain the following minimum insurance coverage: (a) comprehensive general
liability insurance for bodily injury, death, and property damage with a per
occurrence limit of at least [REDACTED DUE TO REQUEST FOR CONFIDENTIAL
TREATMENT], with such policy to include broad form contractual liability,
advertisers liability, and personal injury coverage; and (b) worker's
compensation and employer's liability coverage of at least [REDACTED DUE TO
REQUEST FOR CONFIDENTIAL TREATMENT]. At CCSI's request, Vendor shall promptly
provide to CCSI certificates from its insurers indicating the amount of
insurance coverage, nature of such coverage, and expiration date of each
applicable policy. Vendor shall name CCSI an additional insured on all
certificates of such insurance and shall require its insurers to provide CCSI
with at least 30 days prior notice of any change in the coverage required
hereunder.

ARTICLE 9.   AUDITS
             ------

9.1.     In order to verify Vendor's compliance with this Agreement, CCSI shall
         have the right to conduct quarterly reviews of Vendor's performance
         hereunder ("Audit"). CCSI shall give Vendor reasonable advance notice
         of any Audit, and the parties shall schedule a mutually convenient time
         for any Audit. Notwithstanding the above, CCSI may conduct an Audit on
         24 hours' prior written or telephonic notice to Vendor if CCSI
         reasonably believes that Information has been or is about to be
         disclosed in an unauthorized manner.

9.2.     An Audit may include, without limitation, inspection and review of all
         aspects of Vendor's business practices related to Vendor's performance
         of Services provided to CCSI. Vendor shall cooperate fully with CCSI in
         any Audit and shall give CCSI and its auditors access to its premises
         for conducting an Audit. Any authorized representative of CCSI may
         conduct an Audit.

9.3.     If an Audit leads CCSI to conclude that Vendor breached the provisions
         of this Agreement or that any of Vendor's business practices related to
         its performance of Services present a risk of unauthorized disclosure
         of Information, Vendor shall use its best efforts to change such
         business practices as soon as possible to the reasonable satisfaction
         of CCSI. At its option, CCSI may terminate this Agreement upon 30 days
         prior notice if Section 9.3 becomes operative.

9.4.     Vendor agrees that any regulatory authority with jurisdiction over
         CCSI's activities, including, without limitation, the Office of the
         Comptroller of the Currency, shall have the right at any time during
         Vendor's normal business hours to conduct audits of Vendor's books,
         records and operations pertaining to the Services.

ARTICLE 10.  INDEMNIFICATION
             ---------------

10.1     Vendor shall hold CCSI, its corporate affiliates, and their directors,
         officers, employees and agents harmless form and indemnify them against
         any and all claims, suits or proceedings,

<PAGE>

         liabilities, losses, damages and expenses whatsoever, including
         reasonable outside attorneys' and experts' fees (collectively,
         "Losses") arising out of or in connection with:

         (i)   Any claim by a third party, including but not limited to,
               cardmembers or any other individuals with whom Vendor's employees
               and agents speak with respect to Vendor's provision of the
               Services, including, without limitation, any material deviation
               from materials of scripts provided to Vendor by CCSI, violates
               any right or property interest of a third party, including,
               without limitation, any such right or property interest based
               upon copyright, defamation, privacy, plagiarism, privacy,
               trademark or trade secret;

         (ii)  A breach by Vendor of any representation, warranty or covenant,
               including, but not limited to, those herein, made by Vendor to
               cardmembers or potential cardmembers or CCSI; and

         (iii) Any violation by Vendor or any agent of federal, state or local
               laws or regulations applicable to Vendor's activities under this
               Agreement.

10.2     CCSI shall hold Vendor, its directors, officers, employees and agents
         harmless form and indemnify them against any and all Losses arising out
         of or in connection with any claim that a script provided by CCSI
         violates any right or property interest of any third party including,
         without limitation, any such right based upon copyrights, defamation,
         privacy, plagiarism, piracy, trademark or trade secret.

10.3     Each party shall afford the indemnified party the opportunity to defend
         or participate in the defense of an indemnified claim and shall make no
         settlement of such claim specifically naming or directly affecting the
         indemnified party without CCSI's written approval.

10.4     Additionally, Vendor shall reimburse CCSI for any out of pocket
         expenses incurred as a direct result of Vendor's negligence, misconduct
         or error in performing the Services, including costs of CCSI adjusting
         Cardmembers' account balances, refunding charges or otherwise
         duplicating the agreed Services.

10.5     The provisions of this Article 10 shall survive the termination or
         expiration of this Agreement.

ARTICLE 11.  REPRESENTATIONS, WARRANTIES AND COVENANTS
             -----------------------------------------

Vendor represents, warrants and covenants that:

         (i)   During the term of this Agreement, the Services shall conform at
               all times to the description of and level of program standards
               set forth in Exhibit 1 appended hereto;
                            ---------

         (ii)  It is duly authorized to enter into this Agreement and to perform
               its obligations hereunder; and

         (iii) Its performance and that of its agents under this Agreement
               shall at all times be in compliance with all relevant federal,
               state and local laws and regulations.

ARTICLE 12.  TERM AND TERMINATION OF AGREEMENT
             ---------------------------------

12.1     This Agreement is effective on the date first written above and will
         remain in effect for 24 months thereafter or unless otherwise
         terminated as set forth herein. Either party may terminate this
         Agreement for breach by the other party upon providing written notice
         of termination. However, not withstanding the foregoing, either party
         may terminate this

<PAGE>

         Agreement at any time, with or without cause, upon providing 90 days'
         prior written notice to the other.

12.2     Breach of this Agreement by either party includes, without limitation,
         the following circumstances: (a) failure to perform any material
         obligation hereunder that remains uncured after 30 days' prior written
         notice; (b) the admission in writing of the inability to pay debts
         generally as they become due or the taking of any corporate action
         tantamount to such admission; (c) ceasing to do business as a going
         concern; (d) making any assignment for the benefit of creditors; (e)
         selling all or substantially all of its stock or assets; or (f) having
         such stock or assets acquired by or transferred to any third party.

12.3     If bankruptcy proceedings are commenced with respect to either party
         ("Debtor") and if this Agreement has not otherwise terminated, then
         the other party may suspend all further performance of this Agreement
         until Debtor assumes or rejects this Agreement pursuant to Article ss.
         365 of the Bankruptcy Code or any similar or successor provision. The
         other party's suspension of further performance pending Debtor's
         assumption or rejection will not be a breach of this Agreement and
         will not affect the other party's right to pursue any of its rights
         under this Agreement.

12.4     The rights of the parties to terminate this Agreement are not exclusive
         of any other rights and remedies they may have at law for damages or
         otherwise, except the right specifically precluded in Article 13 below.

ARTICLE 13.  JURISDICTION AND WAIVER OF JURY TRIAL
             -------------------------------------

This Agreement and the respective rights and obligations of the parties shall be
governed by the laws of the State of New York. VENDOR AND CCSI HEREBY WAIVE THE
RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING OR LITIGATION BROUGHT AGAINST THE
OTHER WITH RESPECT TO THIS AGREEMENT OR VENDOR'S PERFORMANCE OF SERVICES.

ARTICLE 14.  INDEPENDENT CONTRACTOR
             ----------------------

Vendor shall perform the Services as an independent contractor, and nothing
contained in this Agreement or otherwise shall be deemed to create any
employment, partnership, or joint venture between Vendor and CCSI. Vendor
acknowledges that Services performed are solely within its control, and neither
Vendor nor any of its employees will hold itself out as anything but an
independent contractor to CCSI.

ARTICLE 15.  NOTICES
             -------

Any notice or communication required under this Agreement will be effective when
received and sufficient if given in writing and delivered by certified mail,
registered mail, or by an overnight delivery service of general commercial use
(such as UPS, Federal Express, or Airborne) addressed as follows:

To CCSI:    Citicorp Credit Services, Inc.
            One Court Square
            Long Island City, NY 11120
            Attention: Linda Goldstein, Vice President

<PAGE>

To Vendor:  RMH, Inc.
            40 Morris Avenue
            Bryn Mawr, PA 19010
            Attention: Paul Burkit , EVP Sales and Marketing

ARTICLE 16.  ENTIRE AGREEMENT; AMENDMENT; ASSIGNMENT
             ---------------------------------------

16.1     This Agreement, together with any attached Exhibits, shall constitute
         the entire Agreement between CCSI and Vendor with respect to Services
         and shall supersede all prior agreements respecting those Services.

16.2     This Agreement is and shall be binding upon and inure to the benefit of
         both parties and their respective legal representatives, successors,
         and permitted assigns and may not be changed or modified except in a
         writing signed by both parties.

16.3     This Agreement and its obligations may not be assigned by either party
         except upon written consent of the other party. However, CCSI may
         assign any of its rights or obligations under this Agreement to a
         corporate affiliate with the necessary resources to perform this
         Agreement upon providing written notice to Vendor.

ARTICLE 17.  WAIVER; SEVERABILITY
             --------------------

17.1     A failure or delay of either party to enforce any of the provisions of
         this Agreement may in no way be construed to be a waiver of such
         provision.

17.2     Any provision of this Agreement that is invalid, illegal, or
         unenforceable for any reason shall be ineffective only to the extent of
         such invalidity, illegality, or unenforceability, without affecting in
         any way the remaining provisions or rendering any other provision of
         this Agreement invalid, illegal, or unenforceable.

IN WITNESS WHEREOF, each of the parties hereto has caused this Agreement to be
signed as of the date first written above.

CITICORP CREDIT SERVICES, INC.

By: /s/ [ILLEGIBLE]                        By: /s/ Paul J. Burkitt
    -------------------------------            ---------------------------------
Name: _____________________________        Name:   Paul J. Burkitt
                                                 -------------------------------
Title: ____________________________        Title:  EVP Sales & Marketing
                                                 -------------------------------
Date:  ____________________________        Date:   1-14-02
                                                 -------------------------------

<PAGE>

                              SERVICES AND PRICING

              [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT]

<PAGE>

                                                                       EXHIBIT 2
                                                                       ---------

                     DATA SECURITY REQUIREMENTS FOR VENDORS

To ensure the confidentiality pursuant to the Agreement and proprietary control
by CCSI, Vendor must have the following controls in place:

1.   System access controls (e.g., user ID's and passwords) to CCSI data must be
     in place and shall address on-site data, remote/dial-in access, and backup
     data, as applicable.

2.   Magnetic media (e.g., tapes and cartridges) must be labeled as proprietary,
     confidential information of CCSI, both on the physical media and within
     data files (e.g., header records).

3.   Magnetic media labeled as containing CCSI data must be used solely and
     exclusively for CCSI purposes; media containing CCSI data shall not be used
     for third party purposes (other customers, etc.), even on a temporary
     basis, unless authorized in writing by CCSI.

4.   Responsibilities for media library management shall be assigned to specific
     employees of Vendor. Physical access to the media library shall be
     restricted only to those Vendor personnel who require access to perform
     assigned duties.

5.   Third parties (e.g., Vendor visitors) must never have unnecessary physical
     access to CCSI media except to the extent required by law, emergency/fire,
     etc. Vendor shall take appropriate control measures to ensure media do not
     depart Vendor premises except as designated by CCSI.

6.   Media library inventory records must be maintained systematically and
     current. Periodic physical inventories shall be performed by Vendor and
     discrepancies remedied in a timely manner. Any unresolved discrepancies
     involving CCSI data must be communicated immediately to CCSI.

7.   Retention requirements for media must be established to coincide with the
     useful life of CCSI data being retained; data must not be retained beyond a
     reasonable period after the useful life has expired.

8.   When CCSI data or media/hardware containing CCSI data is no longer required
     by Vendor, proper data destruction (e.g., "scratch") procedures must be
     employed.

9.   Vendor responsibilities as outlined above must be communicated in writing
     to applicable employees of Vendor (e.g., through written procedures or
     through employee confidentiality agreements) and shall state appropriate
     penalties for non-compliance.

* * * * *

<PAGE>

                 CITIBANK TELEMARKETING STANDARDS AND PRACTICES
                 ----------------------------------------------

                                  As of 10/9/01

              [REDACTED DUE TO REQUEST FOR CONFIDENTIAL TREATMENT]

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