Document:

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                                                                   Exhibit 10.26

                      FOURTH AMENDMENT TO CREDIT AGREEMENT

     This FOURTH AMENDMENT TO CREDIT AGREEMENT (this "Amendment") is dated as of
October 1, 2001, and is entered into by and among Opinion Research Corporation,
a Delaware corporation ("Parent"), ORC Inc., a Delaware corporation ("ORC";
Parent and ORC are sometimes referred to individually as a "Borrower" and
collectively as the "Borrowers"), Heller Financial, Inc., individually as a
Lender and in its capacity as agent (in such capacity, "Agent") for the Lenders
party to the Credit Agreement described below, and the Lenders which are
signatories hereto.

     WHEREAS, Agent, Lenders and Borrowers are parties to a certain Credit
Agreement dated as of May 26, 1999 (as such agreement may from time to time be
amended, supplemented or otherwise modified, the "Credit Agreement"); and

     WHEREAS, the parties hereto desire to amend the Credit Agreement in certain
respects.

     NOW THEREFORE, in consideration of the mutual conditions and agreements set
forth in the Credit Agreement and this Amendment, and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereto hereby agree as follows:

     1.   Definitions. Capitalized terms used in this Amendment, unless
otherwise defined herein, shall have the meaning ascribed to such terms in the
Credit Agreement.

     2.   Amendments. Subject to the conditions set forth below, the definition
of "Earn-Out Reserve" set forth in Section 10.1 of the Credit Agreement shall be
amended by inserting the following sentence at the end of such definition:

          "With respect only to the calculation set forth in clause (b) of
     Section 1.1(B)(1) of this Agreement, the Earn-Out Reserve shall be deemed
     to be, for the period from October 1, 2001 through and including the date
     that is 10 Business Days after October 1, 2001, the amount of the Earn-Out
     Reserve then in effect less $2,200,000; provided, however, that at no time
     shall the Earn-Out Reserve be less than $0.00"

     3.   Conditions Precedent. The effectiveness of this Amendment is subject
to the following conditions precedent:

     (a)  Lenders and Borrowers shall have executed and delivered (and Borrowers
covenant to execute and deliver) this Amendment, and Borrowers and the other
Loan Parties shall have executed and delivered to Agent such other documents and
instruments as Agent may have reasonably required;

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     (b)  All proceedings taken in connection with the transactions contemplated
by this Amendment and all documents, instruments and other legal matters
incident thereto shall be satisfactory to Agent and its legal counsel;

     (c)  Both before and after giving effect to the transactions contemplated
in this Amendment, no Default or Event of Default shall have occurred and be
continuing which has not been previously disclosed to Agent; and

     (d)  There shall have occurred no material adverse change in the business,
operations, financial condition, profits or prospects of Borrowers and their
Subsidiaries, or in the Collateral since December 31, 2000.

     4.   Representations and Warranties. To induce Agent and Lenders to enter
into this Amendment, each Borrower represents and warrants to Agent and Lenders:

     (a)  that the execution, delivery and performance of this Amendment has
been duly authorized by all requisite corporate action on the part of each
Borrower and that this Amendment has been duly executed and delivered by each
Borrower; and

     (b)  that each of the representations and warranties set forth in the
Credit Agreement (other than those which, by their terms, specifically are made
as of certain date prior to the date hereof) and in each Loan Document are true
and correct in all material respects as of the date hereof.

     5.   Severability. Any provision of this Amendment held by a court of
competent jurisdiction to be invalid or unenforceable shall not impair or
invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

     6.   References. Any reference to the Credit Agreement contained in any
document, instrument or agreement executed in connection with the Credit
Agreement shall be deemed to be a reference to the Credit Agreement as modified
by this Amendment.

     7.   Counterparts. This Amendment may be executed in one or more
counterparts, each of which shall constitute an original, but all of which taken
together shall be one and the same instrument.

     8.   Ratification. The terms and provisions set forth in this Amendment
shall modify and supersede all inconsistent terms and provisions of the Credit
Agreement and shall not be deemed to be a consent to the modification or waiver
of any other term or condition of the Credit Agreement. Except as expressly
modified and superseded by this Amendment, the terms and provisions of the
Credit Agreement are ratified and confirmed and shall continue in full force and
effect. The execution, delivery and effectiveness of this Agreement shall not
operate as a waiver of any right, power or remedy of Agent or any Lender under
the Credit Agreement or any Loan Document to which Agent or such Lender is a
party nor constitute a waiver of any provision in or

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Event of Default (now or hereafter existing) under the terms of the Credit
Agreement or any Loan Document. Agent's and Lenders' agreement to the terms of
this Amendment shall not be deemed to establish or create a custom or course of
dealing among Borrowers, Agent and Lenders.

         [rest of page intentionally left blank; signature page follows]

                                        3

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     IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed under seal and delivered by their respective duly authorized
officers on the date first written above.

Heller Financial, Inc.,                 OPINION RESEARCH CORPORATION,
 as Agent and Lender                    a Delaware corporation

By:  /s/ Francois Delangle              By: /s/ Kevin P. Croke
   -----------------------------           -----------------------------------
Name:  Francois Delangle                Name:  Kevin P. Croke
     ---------------------------             ---------------------------------
Title: Vice President                   Title: EVP & Director of Finance
      --------------------------              --------------------------------

FIRST UNION NATIONAL BANK,              ORC INC.,
as a Lender                             a Delaware corporation

By:  /s/ John L. Thomas                 By: /s/ Kevin P. Croke
   -----------------------------           -----------------------------------
Name:  John L. Thomas                   Name:  Kevin P. Croke
     ---------------------------             ---------------------------------
Title: Vice President                   Title: President
      --------------------------             ---------------------------------

FLEET NATIONAL BANK                     FINOVA CAPITAL CORPORATION,
as a Lender                             as a Lender

By:  /s/ Thomas Hamilton                By:
   -----------------------------           -----------------------------------
Name:  Thomas Hamilton                  Name:
     ---------------------------             ----------------------------------
Title: Assistant Vic President          Title:
      --------------------------              --------------------------------

MERRILL LYNCH BUSINESS FINANCIAL SERVICES, INC.,
as a Lender

By:  /s/ Valerie Wilder Moore
   -----------------------------
Name:  Valerie Wilder Moore
     ---------------------------
Title: Sr. Relationship Manager
      --------------------------

Waiver and Fourth Amendment to Credit Agreement<PAGE>

                                                                   Exhibit 10.27

                       THIRD AMENDMENT TO CREDIT AGREEMENT

     This THIRD AMENDMENT TO CREDIT AGREEMENT ("Amendment") is dated as of
December 18, 2000, and is entered into by and between Opinion Research
Corporation ("Opinion Research") and ORC Inc. ("ORC" and, together with Opinion
Research, "Borrower"), Heller Financial, Inc., in its capacity as Agent for the
Lenders party to the Credit Agreement described below ("Agent"), and the Lenders
which are signatories hereto.

     WHEREAS, Agent, Lenders and Borrower are parties to a certain Credit
Agreement dated May 26, 1999 (as such agreement has from time to time been
amended, supplemented or otherwise modified, the "Agreement"); and

     WHEREAS, the parties desire to amend the Agreement as hereinafter set
forth.

     NOW THEREFORE, in consideration of the mutual conditions and agreements set
forth in the Agreement and this Amendment, and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the
parties hereto hereby agree as follows:

     1.   Definitions. Capitalized terms used in this Amendment, unless
otherwise defined herein, shall have the meaning ascribed to such terms in the
Agreement.

     2.   Amendments. Subject to the conditions set forth below, the Agreement
is amended as follows:

          (a)  Subsection 3.5 is amended by inserting the following new
paragraph immediately after paragraph (C)(v):

          (D)  Parent may acquire shares of its common stock on the open market
in connection with its employee stock purchase plan, provided that the net cash
expended shall not exceed $200,000 in any fiscal year.

          (b)  Subsection 4.1 is amended by deleting such subsection in its
entirety and replacing it with the following in lieu thereof:

          The  aggregate amount of all Capital Expenditures of Parent and its
Subsidiares will not exceed $5,000,000 in any fiscal year, but in no event in
excess of such lesser amount as may be permitted under the Subordinated Loan
Agreement (the "Capex Limit"). Notwithstanding the foregoing, and to the extent
permitted under the Subordinated Loan Agreement, in the event Parent and its
Subsidiaries do not expend the entire Capex Limit permitted in any fiscal year,
Parent and its Subsidiaries may carry forward to the immediately succeeding
fiscal year 50% of the unutilized portion of the Capex Limit. All Capital
Expenditures made by Parent and its Subsidiaries shall first be applied to
reduce the applicable Capex Limit and then to reduce the carry forward from the
previous fiscal year, if any. "Capital Expenditures" will be calculated as
illustrated on Exhibit 4.8(C).

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          (c)  Subsection 4.5(B) is amended by deleting such subsection in its
entirety and inserting the following in lieu thereof:

          Borrowers shall not permit Total Interest Coverage for any twelve (12)
month period ending on the last day of any calendar quarter ending on the date
set forth below to be less than the ratio set forth below for such period.

          Period Ending                                        Ratio
          -------------                                        -----
          December 31, 2000                                    2.50
          March 31, 2001                                       2.50
          June 30, 2001                                        2.50
          Last day of each calendar quarter thereafter         2.75

     3.   Conditions. The effectiveness of this Amendment is subject to the
following conditions precedent (unless specifically waived in writing by Agent):

          (a)  Borrower shall have executed and delivered this Amendment, and
such other documents and instruments as Agent may require shall have been
executed and/or delivered to Agent;

          (b)  All proceedings taken in connection with the transactions
contemplated by this Amendment and all documents, instruments and other legal
matters incident thereto shall be satisfactory to Agent and its legal counsel;
and

          (c)  No Default or Event of Default shall have occurred and be
continuing; and

          (d)  Borrower shall have paid Agent a documentation fee in the amount
of $500.

     4.   Representations and Warranties. To induce Agent and Lenders to enter
into this Amendment, Borrower represents and warrants to Agent and Lenders that
(a) the execution, delivery and performance of this Amendment has been duly
authorized by all requisite corporate action on the part of Borrower and that
this Amendment has been duly executed and delivered by Borrower and (b) each of
the representations and warranties set forth in Section 5 of the Agreement
(other than those which, by their terms, specifically are made as of certain
date prior to the date hereof) are true and correct in all material respects as
of the date hereof.

     5.   Severability. Any provision of this Amendment held by a court of
competent jurisdiction to be invalid or unenforceable shall not impair or
invalidate the remainder of this Amendment and the effect thereof shall be
confined to the provision so held to be invalid or unenforceable.

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     6.   References. Any reference to the Agreement contained in any document,
instrument or agreement executed in connection with the Agreement shall be
deemed to be a reference to the Agreement as modified by this Amendment.

     7.   Counterparts. This Amendment may be executed in one or more
counterparts, each of which shall constitute an original, but all of which taken
together shall be one and the same instrument.

     8.   Ratification. The terms and provisions set forth in this Amendment
shall modify and supersede all inconsistent terms and provisions of the
Agreement and shall not be deemed to be a consent to the modification or waiver
of any other term or condition of the Agreement. Except as expressly modified
and superseded by this Amendment, the terms and provisions of the Agreement are
ratified and confirmed and shall continue in full force and effect.

     IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be
duly executed under seal and delivered by their respective duly authorized
officers on the date first written above.

HELLER FINANCIAL, INC.,                      OPINION RESEARCH CORPORATION
as Agent and a Lender

By:     /s/ Francois Delangle                By:     /s/ Kevin P. Croke
       ------------------------------              -----------------------------
Title:  Vice President                       Title:  EVP & Director of Finance

                                             ORC, INC

                                            By:      /s/ Kevin P. Croke
                                                   -----------------------------
                                            Title:   President

                    [Signatures continued on following page]

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<PAGE>

SUMMIT BANK

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

MERRILL LYNCH BUSINESS
FINANCIAL SERVICES, INC.

By:      /s/ Valerie Wilder
        --------------------------------
Title:   AVP & Sr. Relationship Mgr.

FINOVA CAPITAL CORPORATION

By:      (illegible)
        --------------------------------
Title:   VP & Sr. Corp Credir Mgr.

FIRST UNION NATIONAL BANK

By:      /s/ Ellen Dodel
        --------------------------------
Title:   Vice President

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