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                                                               EXHIBIT 10.14(J)

                    AMENDMENT TO CHANGE OF CONTROL AGREEMENT

         This Amendment is entered into as of May 2, 2001 by and between
Resource Bancshares Mortgage Group, Inc., a Delaware corporation ("RBMG"), and
Douglas K. Freeman and amends that certain Change of Control Agreement dated as
of January 10, 2000, as it may have been previously amended (the "Change of
Control Agreement").

         1. Section 9 (g) of the Change of Control Agreement is hereby amended
by changing the date set forth therein to December 31, 2002.

         2. As amended hereby, the Change of Control Agreement shall be
unchanged and shall remain in full force and effect.

         In witness whereof, the parties have executed this Amendment to Change
of Control Agreement as of the date first above written.

                                    RESOURCE BANCSHARES MORTGAGE
                                      GROUP, INC.

                                    By       /s/ John Currie
                                      ---------------------------------------
                                             John Currie
                                             Secretary

                                             /s/ Douglas K. Freeman
                                      ---------------------------------------
                                             Douglas K. Freeman<PAGE>   1
                                                               EXHIBIT 10.14(K)

                    RESOURCE BANCSHARES MORTGAGE GROUP, INC.
                               7909 PARKLANE ROAD
                         COLUMBIA, SOUTH CAROLINA 29223

                                  June 25, 2001

Mr. Douglas K. Freeman, Chairman
  and Chief Executive Officer
Resource Bancshares Mortgage Group, Inc.
7909 Parklane Road
Columbia, SC  29223

Dear Doug:

Based upon your performance as Chief Executive Officer, Resource Bancshares
Mortgage Group, Inc. is pleased to amend your Employment Agreement dated January
10, 2000 to extend the term of your employment for one additional year.
Accordingly, the date "December 31, 2001" appearing in Section 3 thereof is
hereby amended to read "December 31, 2002." As amended hereby, the Employment
Agreement shall continue in full force and effect.

If you are in agreement with the amendment to your Employment Agreement set
forth above, please so indicate by signing this letter in the space provided
below and returning it to the undersigned.

Sincerely,

Resource Bancshares Mortgage Group, Inc.

By:   /s/ Stuart M. Cable
   ---------------------------------
     Stuart M. Cable
     Chairman Compensation Committee.

Agreed to and accepted:

       /s/ Douglas K. Freeman
------------------------------------
         Douglas K. Freeman<PAGE>   1
                                                               EXHIBIT 10.15(E)

         WHEREAS, Resource Bancshares Mortgage Group, Inc. (the "Corporation")
maintains the Resource Bancshares Mortgage Group, Inc. Employee Stock Ownership
Plan, effective January 1, 1994, (the "ESOP") for the benefit of the eligible
employees of the Corporation; and

         WHEREAS, in 1995, 1996, 1998 and 1999, the Corporation made a series of
loans to the ESOP in order for the ESOP to purchase shares of the Corporation to
provide benefits to the ESOP's participants (collectively referred to as the
"ESOP Loans"); and

         WHEREAS, the Board of Directors has been advised that there are
alternative benefit programs that are more easily understood by and more
beneficial to the participants than a leveraged employee stock ownership plan;
and

         WHEREAS, the Board of Directors has been informed that the existence of
the ESOP Loans (with a final maturity of July 1, 2007) prevents the immediate
distribution of benefits to the ESOP's participants upon the cessation of
contributions to the ESOP which, in turn, will delay the termination of the
ESOP; and

         WHEREAS, the Board of Directors desires to terminate the ESOP as soon
as practical in order to provide alternative benefits to the Corporation's
employees; and

         WHEREAS, in Section 10.1 of the ESOP, the Corporation reserved the
right by action of the Board of Directors to terminate the ESOP.

         NOW, THEREFORE, IT IS HEREBY

         RESOLVED, that the Corporation shall suspend further contributions to
the ESOP and that all participants in the ESOP (as of the date of this meeting)
shall vest one hundred percent (100%) in their respective account balances.

         RESOLVED, FURTHER, that the Chief Executive Officer of the Corporation
is hereby authorized and directed to take appropriate steps to accelerate the
date that the ESOP's assets can be distributed to the ESOP's participants
including but not limited to the step of causing the Corporation to purchase of
all the remaining shares of the Corporation held in the ESOP's suspense account
(and this authorization to purchase the shares in the suspense account shall be
in addition to any other authorizations to purchase shares of the Corporation).

<PAGE>   2

         RESOLVED, FURTHER, that pending the Corporation's acquisition of all of
the remaining shares of the Corporation held in the ESOP's suspense account, the
officers of the Corporation are hereby authorized to take appropriate actions
with respect to the ESOP Loans including but not limited to the extension of
payment dates and modification of the terms of the ESOP Loans.

         RESOLVED, FURTHER, that upon the determination that the assets may be
timely distributed to the ESOP's participants, the officers of the Corporation
are hereby authorized and directed to take such other actions as may be
necessary or appropriate to terminate the ESOP.

         RESOLVED, FURTHER, that the officers of the Corporation are hereby
authorized to direct the Corporation's legal counsel to apply for a
determination letter from the Internal Revenue Service with respect to the
ESOP's qualified status upon termination.

         RESOLVED, FURTHER, that the trustee is directed to distribute all
assets of the ESOP to plan participants as soon as practicable after the
Corporation receives a favorable determination from the Internal Revenue
Service.

         RESOLVED, FURTHER, that pending final distribution of plan assets to
plan participants, the Retirement Committee (as described in Section 7.1 of the
ESOP) is hereby vested with the necessary power to make whatever amendments to
the ESOP are necessary in order to maintain the ESOP's continued qualification
and proper administration.

         RESOLVED, FURTHER, that the officers of the Corporation are hereby
authorized to take such further action as may be necessary or appropriate to
carry out the purpose and intent of the foregoing resolutions.<PAGE>   1
                                                               EXHIBIT 10.20(E)

         RESOLVED, that the Committee hereby interprets Section 4.1(c) of the
         Plan to permit the exercise of options under a procedure whereby the
         optionholder is not required to deliver physical stock certificates if
         he or she certifies ownership of shares which qualify for use to pay
         the exercise price (thereby constructively tendering such shares) and
         receives upon exercise of the options an incremental number of shares
         equal to the difference between (a) the gross number of shares deemed
         to be so purchased upon such exercise and (b) the number of shares so
         certified as being owned and constructively tendered in payment of the
         exercise price.

         RESOLVED, FURTHER, that the Committee hereby confirms that shares of
         Common Stock may be used under Section 4.1(c) of the Plan to pay the
         purchase price of shares upon exercise of all options unless the
         resolutions awarding the options provide otherwise.

         RESOLVED, FURTHER, that Section 4.1(i) of the Plan is hereby amended by
         adding the following provisos at the end of the third sentence thereof:

                  ; provided, however, that if the optionee's employment is
                  terminated by the Company for any reason other than conduct
                  that in the judgment of the Committee involves dishonesty or
                  action by the optionee that is detrimental to the best
                  interest of the Company, then the optionee may at any time
                  within three months after termination of his or her employment
                  by the Company exercise his or her Reload Option; provided,
                  further, that, if the optionee's employment terminates on
                  account of total or permanent disability, then the optionee
                  may at any time within one year after termination of his or
                  her employment exercise his or her Reload Option; provided,
                  further, that, if the optionee dies while in the employ of the
                  Company, or within the three month or one year period
                  following termination of his or her employment as described in
                  the foregoing provisos, then his or her Reload Option may be
                  exercised at any time within one year following his or her
                  death by the person or persons to whom his or her rights under
                  the Reload Option shall pass by will or by the laws of descent
                  and distribution.

         RESOLVED, FURTHER, that each Reload Option shall be evidenced by an
         Option Agreement in the form of the Option Agreement previously
         approved for awards to officers generally under the Plan, with such
         modifications to such form as may be necessary or appropriate to
         reflect the terms of Reload Options under the Plan and to provide that
         they may be exercised, subject to the provisions of the Plan, in whole
         or in part at any time or from time to time after the one year period
         provided for in Section 4.1 (i) of the Plan.

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