Document:

Option to Purchase Agreement

 Exhibit 10(yyyyy) 
 OPTION TO PURCHASE AGREEMENT 
 THIS OPTION TO PURCHASE AGREEMENT (the
“Agreement”) is made as of the 17th day of January, 2008 by and between Access Worldwide (AWWC) Philippines, Inc., (the “Company”) and E*TRADE Information Services, LLC, a Delaware
limited liability company (“E*TRADE”). 
 RECITALS 
 WHEREAS, E*TRADE shall purchase a certain number shares of common stock, par value $0.01 (the “Common Stock”) in Access Worldwide
Communications, Inc., a Delaware corporation (“Parent”) pursuant to a common stock purchase agreement of even date (“Common Stock Purchase Agreement”) and is entering into a voting agreement
(“Voting Agreement”) (collectively, the “Transaction”); and 
 WHEREAS, as a condition
to the execution and delivery of the Common Stock Purchase Agreement, E*TRADE and Parent have requested that E*TRADE and Company enter into this Agreement. 
 NOW, THEREFORE, in consideration of the mutual promises set forth herein, the parties agree as follows: 
 1.
Definitions. The words and phrases set forth below shall have the following meanings when used in this Agreement: 
 a.
“Affiliate” means any Person that, directly or indirectly, Controls, is Controlled by, or is under common Control with or of, such entity. The term “Control” (including, with correlative meaning, the
terms “Controlled by” and “under common Control with”), as used with respect to any entity, means the possession, directly or indirectly, of the power to direct or cause the direction of the management
and policies of such entity, whether through the ownership of voting securities, by contract or otherwise. 
 b. “Assets” means the assets of the Company identified in Exhibit A hereto which shall include that certain lease agreement by and between the Company and RCBC Realty Corporation, dated
April 1, 2005 (which currently covers solely the 18th floor of the leased premises) and any other equipment, software, hardware, or other assets from
time to time purchased by the Company which are used to provide services exclusively to E*TRADE. Exhibit A may be updated by the Parties on a quarterly basis to reflect the assets that are being used or to be used to provide services exclusively to
E*TRADE in the Philippines. The purchase price shall be updated as the asset list is updated and shall be calculated in accordance with Section 4d below. 
 c. “Bankruptcy Event” means (i) the Parent or Company files a voluntary petition in bankruptcy or for similar relief; (ii) an involuntary petition in bankruptcy is filed against the
Parent or Company and is not dismissed within sixty (60) days of filing; (iii) a 

 
receiver is appointed for the Parent or Company, and if involuntarily appointed is not dismissed within sixty (60) days; or (iv) the Parent or
Company makes an assignment for the benefit of creditors. 
 d. “Encumber” means grant, agree to, or permit to exist,
any liens, pledges, security interests, mortgages, and other possessory interests, conditional sale or other title retention agreements, assessments, easements, rights-of-way, covenants, restrictions, rights of first refusal, encroachments, and
other burdens, options or encumbrances of any kind. 
 e. “Encumbrances” means any liens, pledges, security
interests, mortgages, and other possessory interests, conditional sale or other title retention agreements, assessments, easements, rights-of-way, covenants, restrictions, rights of first refusal, encroachments, and other burdens, options or
encumbrances of any kind. 
 f. “Person” means an individual, corporation, partnership, limited liability company,
governmental authority, association, trust, unincorporated organization or other entity. 
 g. “Purchase Event” means
(i) the Parent is in default or breach under the Voting Agreement; (ii) the Parent experiences a Bankruptcy Event, or the (iii) Company experiences a Bankruptcy Event. 
 2. Transfers of Assets. Except as set forth in Schedule 2.1 to this Agreement, Company agrees that it shall not sell, assign, gift, pledge or
otherwise Encumber, transfer or otherwise dispose of any of the Assets, with or without consideration, except as expressly provided in this Agreement. 
 3. Permitted Transfers. The restriction on transfer set forth in Section 2 shall not apply to the: (i) transfer, sale or disposition of any Asset in the ordinary course of business, provided it is
replaced, if necessary, with an Asset or Assets or equal or greater value or (ii) transfer of the Assets to an Affiliate of Parent provided that such Affiliate has, prior to the transfer, agreed in writing to be bound by the terms of this
Agreement. 
 4. Option to Purchase Assets. 
 a. If Parent or Company becomes subject to a Purchase Event, Company agrees to give to E*TRADE prompt notice upon learning of the occurrence of any Purchase Event, or, if no such notice is given, E*TRADE may provide
notice to Company of a Purchase Event (the “Event Notice”). For a period of ninety (90) days after the date of the Event Notice, E*TRADE shall have the right, but not the obligation, to purchase from the Company, and the
Company shall upon the exercise of such right be obligated to sell to E*TRADE, at the purchase price and on the terms set forth in this Agreement, the Assets. 
 b. E*TRADE may exercise its right to purchase such Assets by giving notice to the Company stating that it will purchase the Assets. 

 c. If E*TRADE fails to exercise the Option to Purchase, within such forty-five (45) day period (or,
having exercised such right, fail to settle in a timely manner), the Company, may retain the Assets and such Assets shall remain subject to this Agreement, provided that if E*TRADE fails to exercise its Option to Purchase within such period with
respect to a Purchase Event set forth 1(g)(ii) or 1(g)(iii), then its right to exercise with respect to solely the applicable Purchase Event shall be deemed waived. 
 d. The purchase price for the Assets purchased pursuant to this Section 4 shall be the price set forth on Exhibit A, which shall be the value of such assets on the Company or Parent’s balance sheet
immediately prior to the Closing Date (as defined below), as applicable, determined in accordance with GAAP, consistently applied (“Purchase Price Balance Sheet”). Ten (10) days prior to the Closing Date, the Company
will provide to E*TRADE the Purchase Price Balance Sheet with the Company’s proposed purchase price. Within five (5) days of receipt of the Purchase Price Balance Sheet, E*TRADE will propose to the Company in writing any changes to such
Purchase Price Balance Sheet (and in the event no such changes are proposed in writing to the Company within such time period, E*TRADE will be deemed to have agreed to, and accepted, the Purchase Price Balance Sheet). E*TRADE and the Company will
endeavor in good faith to resolve any differences with respect to the Purchase Price Balance Sheet within three days of receipt of E*TRADE’s proposed change. If E*TRADE notifies the Company of any proposed changes to purchase price, and E*TRADE
and the Company have acted in good faith to resolve any differences with respect to items on the Purchase Price Balance Sheet and within the three (3) business day period are unable to resolve their differences, then the Closing Date shall be
postponed until the purchase price can be determined and any remaining disputed matters will be finally and conclusively determined by
[                    ] (the “Arbiter”). Promptly, but not later than thirty (30) days after its
acceptance of appointment hereunder, the Arbiter will (i) determine (based solely on presentations by the Company and E*TRADE and not by independent review whether as to those matters in dispute the Purchase Price Balance Sheet proposed by the
Company and, to the extent it determines the Purchase Price Balance Sheet is not reasonable as to those matters shall modify such Purchase Price Balance Sheet solely to the extent necessary in order to cause it to be reasonable as to such matters
and (ii) provide a written report as to its conclusions and the resulting allocation of the Purchase Price, which report shall be conclusive and binding upon the parties. Any expenses of the Arbiter will be borne equally by E*TRADE and the
Company. 
 e. Except as set forth in Section 4(d) above, settlement for the purchase of the Assets made pursuant to this Section 4
shall be made on such date as may be mutually agreed upon by the Company and E*TRADE (“Closing Date”) but in no event shall it be later than one hundred twenty (120) days after the date of exercise by E*TRADE. On such
Closing Date: 
 (i) the Company shall make available to E*TRADE the Assets, free and clear of any Encumbrances and shall provide a bill of
sale, assignment (or consent to assignment) and transfer agreement, such other documentation as E*TRADE may from time to time request to evidence the transfer of all rights, title and interest in and to the Assets to E*TRADE; 

 (ii) the Company shall cause, to the extent reasonably possible, each of the employees whose employment
is related to the Assets (and subject to the consent of E*TRADE) to enter into an employment relationship with E*TRADE; 
 (iii) the Company
shall obtain all necessary consents, provide all notices and take all actions necessary to transfer of all rights, title and interest in and to the Assets to E*TRADE; and 
 (iv) Subject to Section 4(f) below, E*TRADE shall deliver to the Company in immediately available funds the amount of the purchase price for such
Assets. 
 (v) In connection with the sale of the Assets, E*Trade shall also pay to the Company and its Parent any and all accounts
receivable owed by E*Trade or any affiliate of E*Trade to the Company or to its Parent—without offset, deduction or reduction. 
 f.
E*TRADE acknowledges that the Company has collaterally assigned to Manufacturers and Traders Trust Company all of the Company’s rights to the purchase price payable hereunder for the Assets, pursuant to the Collateral Assignment, attached
hereto as Exhibit B. Unless and until E*TRADE receives notice from Manufacturers and Traders Trust Company that such collateral assignment has been terminated, E*TRADE agrees to deliver the purchase price for the Assets in immediately available
funds to Manufacturers and Traders Trust Company. 
 5. Representations and Warranties. Company represents and warrants to
E*TRADE as follows: 
 a. Company has all necessary power and authority, and the full legal capacity, to enter into this Agreement, to carry
out each of its obligations hereunder and to consummate the transactions contemplated hereby. This Agreement constitutes the legal, valid and binding obligation of the Company. 
 b. The Company is a corporation duly organized, validly existing and in good standing under the laws of the Philippines and has all necessary power and
authority to enter into this Agreement, to carry out its obligations hereunder and to consummate the transactions contemplated hereby. The execution and delivery of this Agreement by the Company hereby have been duly authorized by all requisite
action. 
 c. There are no outstanding contractual obligations of the Company to transfer, sell, lease or otherwise transfer any rights with
respect to the Assets. 
 d. The execution, delivery and performance of this Agreement by the Company do not and will not (i) violate,
conflict with or result in the breach of any provision of the Certificate of Incorporation or By-laws of the Company, (ii) conflict with or violate (or cause an event which would have a Effect as a result of) any law or governmental order
applicable to the Company any of its assets, properties or businesses, or (iii) conflict with, result in any breach of, constitute a default (or event which with the giving of notice or 

 
lapse of time, or both, would become a default) under, require any consent under, or give to others any rights of termination, amendment, acceleration,
suspension, revocation or cancellation of, or result in the creation of any Encumbrance on the Assets; (i) conflict with or violate any law or governmental order applicable to the Company or (ii) conflict with, result in any breach of,
constitute a default (or event which with the giving of notice or the lapse of time, or both, would become a default) under, require any consent under, or give to any rights of termination, amendment, acceleration, suspension, revocation, or
cancellation of any agreement to which the Company is a party. 
 e. Except as set forth in Schedule 2.1, the Company owns the Assets free
and clear of any Encumbrances. 
 6. Affirmative Covenants. Unless waived in writing by E*TRADE, Company shall: 
 a. At all times cause to be done all things necessary to maintain, preserve and renew its corporate existence and all material licenses, authorizations
and permits necessary to the conduct of its businesses. 
 b. Retain its capital structure as it exists as of the date of this Agreement, and
refrain from issuing any shares of stock, options, warrants, or other securities exercisable for, convertible into or exchangeable for such shares of any kind, or entering into any agreement with respect to the sale of any equity interest in it.

 c. Maintain and keep the Assets in good repair, working order and condition, and from time to time make all necessary or desirable
repairs, renewals and replacements, so that its businesses may be properly and advantageously conducted at all times. 
 d. Pay and discharge
when payable all taxes, assessments and governmental charges imposed upon its properties or upon the income or profits therefrom (in each case before the same becomes delinquent and before penalties accrue thereon) and all claims for labor,
materials or supplies which if unpaid might become a lien upon any of its Assets, unless and to the extent that the same are being contested in good faith and by appropriate proceedings and adequate reserves (as determined in accordance with
generally accepted accounting principles, consistently applied) have been established on its books with respect thereto. 
 e. Comply with
all other material obligations which it incurs pursuant to any contract or agreement, whether oral or written, express or implied, as such obligations become due unless and to the extent that the same are being contested in good faith and by
appropriate proceedings and adequate reserves (as determined in accordance with generally accepted accounting principles, consistently applied) have been established on its books with respect thereto. 
 f. Comply with all applicable laws, rules and regulations of all governmental authorities, the violation of which might reasonably be expected to have a
material adverse effect upon the financial condition, operating results, operations, assets or business prospects of the Company. 

 g. Maintain proper books of record and account which fairly present its financial condition and results
of operations and make provisions on its financial statements for all such proper reserves as in each case are required in accordance with generally accepted accounting principles, consistently applied. 
 7. Duration. This Agreement shall remain in full force and effect until the earlier of (i) all of the Assets are owned by E*TRADE or
(ii) E*TRADE is no longer a shareholder in Parent of at least 2,200,000 shares of Parent’s common stock, par value $0.01. 
 8.
Notices. No notice, request, consent, approval, waiver or other communication which may be or is required or permitted to be given under this Agreement shall be effective unless the same is in writing and is delivered in person or sent
by registered or certified mail, return receipt requested, first-class postage prepaid, 
  

			
	If to E*TRADE to:	  	E*TRADE Information Services, LLC
		  	671 N. Glebe Road
		  	Arlington, Virginia 22203
		  	Attention: Lori Sher, Director, Associate General Counsel
		  	Facsimile No: 571-227-7576
		
	If to Company, to:	  	Access Worldwide Communications Inc.
		  	Attn: Mark Wright, General Counsel
		  	301 Yamato Road
		  	Suite 2110
		  	Boca Raton, FL 33431
		  	P: 571-438-6061
		  	F: 800-569-1587
		  	mwright@accessww.com

 Such notices, if sent by registered or certified mail, shall be deemed to have been given at the
time of mailing. 
 9. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the
State of Delaware, without regard to its principles of conflicts of laws. 
 10. Waiver. No waiver by any party hereto of any
breach of any covenant, condition or agreement hereof on the part of the parties hereto to be kept and performed shall be considered to constitute a waiver of any such covenant, condition or provision, or of any subsequent breach thereof.

 11. Headings. The section headings contained in this Agreement are inserted solely for
convenience of reference and shall not constitute a part of this Agreement, nor shall they affect its meaning, construction or effect. 
 12.
Counterparts. This Agreement may be executed in one or more counterparts and all such counterparts shall constitute originals and all such counterparts shall constitute a single agreement. 
 13. Modification. This Agreement may be modified, and any obligation of any party hereto may be waived, only by a written instrument signed
by the Parties to this Agreement. 
 14. Specific Enforcement. The Company agrees that a remedy at law alone will be inadequate
in the event that their covenants and agreements set forth herein are breached. The Company agrees that E*TRADE shall be entitled to an injunction to prevent any such breach, in addition to all other remedies to which it may be entitled, at law or
in equity. 
 15. Miscellaneous. Unless the context otherwise requires as used herein, words in the singular shall include
words in the plural and vice versa, words in one gender shall include words in the other gender and the word “person” shall include natural persons, trusts, estates, partnerships, corporations and other business entities.

 IN WITNESS WHEREOF, the parties have executed this Agreement as of the date and year first above written. 
 ACCESS WORLDWIDE (AWWC) PHILIPPINES, INC. 

			
		
	 By:
	 	 /s/ Richard Lyew

	 Name:
	 	Richard Lyew
	 Title:
	 	Executive Vice President and Chief Financial Officer
	
	E*TRADE INFORMATION SERVICES, LLC
		
	 By:
	 	  

	 Name:
	 	  

	 Title:Master Services Agreement

 Exhibit 10(zzzzz) 
 MASTER SERVICES AGREEMENT 
 This Master Service Agreement (the “Agreement”) effective
June 1, 2005 (the “Effective Date”) is entered into by and between Access Worldwide Communications, Inc., a Delaware corporation with its principal offices at 4950 Communication Avenue, Suite 300, Boca Raton, FL 33431
(“ACCESS”) and E*TRADE Financial Corporation, 671 North Glebe Road, Arlington, Virginia 22203 (“COMPANY”). 
 ACCESS and COMPANY shall be referred to individually as the party and collectively as the parties. 
 RECITALS 
 WHEREAS, COMPANY is willing to appoint, upon the terms and conditions of this Agreement, ACCESS as a non-exclusive representative to provide the
Services, defined in Section 1.3 below, and 
 WHEREAS, ACCESS desires to accept such appointment, upon the terms and conditions of this
Agreement, and 
 WHEREAS, ACCESS hereby agrees to perform any and all Services (defined below) set forth in any Scope of Work (defined
below). 
 NOW, THEREFORE, in consideration of the mutual promises herein, and intending to be legally bound hereby, the parties agree
as follows: 
 1. DEFINITIONS. 
 1.1 Customers. “Customers” means all commercial and residential users of any products or services provided by Customer. 
 1.2 Price. “Price” means the price for the Services as set forth in a Scope of Work. 
 1.3 Scope of Work. “Scope of Work” means any document signed by both parties and identified to the Agreement, describing Services to be
performed hereunder. Any Scope of Work entered into by the parties shall constitute a separate and distinct contract between the parties, it being understood and agreed, however, that the terms and conditions of the Agreement shall be deemed
incorporated by reference into this, and any additional Scope of Work, and shall take precedence over any contrary or inconsistent terms and conditions appearing or referred to in any such Scope of Work, unless the Scope of Work explicitly states
otherwise. No such contrary or inconsistent terms and conditions, nor any contrary, inconsistent or additional terms in any document issued by either party shall become part of any such contract unless accepted in writing by the parties. 

 1.4 Services. “Services” shall mean the services described in Exhibit A,
the Scope of Work, attached hereto, and any additional Scope of Work issued from time to time during the term of the Agreement. Each such Scope of Work shall constitute a separate and distinct contract between the parties, it being understood and
agreed, however, that the terms and conditions of this Agreement shall be deemed incorporated by reference into each such Scope of Work and shall take precedence over any contrary or inconsistent terms and conditions appearing or referred to in any
such Scope of Work, unless the Scope of Work explicitly states otherwise. No such contrary or inconsistent terms and conditions, nor any contrary, inconsistent or additional terms in any document issued by either party shall become part of any such
contract unless accepted in writing by the parties. Scopes of Work will not be effective unless and until signed by authorized representatives of each party. 
 2. APPOINTMENT. 
 2.1 COMPANY hereby appoints ACCESS as a non-exclusive representative to
provide the Services. 
 2.2 ACCESS acknowledges and agrees that COMPANY may enter into arrangements with other entities to provide the
Services under this Agreement. 
 3. TERM. 
 3.1 The initial term of this Agreement shall commence on June 1, 2005 and, unless sooner terminated as provided herein, shall terminate twelve (12) month(s) later on June 9, 2006 (“Initial
Term”). This Agreement shall be automatically renewed for additional twelve (12) month term(s) (each a “Renewal Term”) unless (a) either party gives the other written notice of its intent not to renew at least thirty
(30) days prior to the expiration of the initial or any renewal term or (b) this Agreement is otherwise terminated in accordance with its terms. COMPANY may terminate this Agreement upon thirty (30) days prior written notice with or
without cause during the Initial Term or any Renewal Term. Except as otherwise set forth in the applicable Scope of Work, said Scope of Work shall terminate upon the expiration or termination of this Agreement. 
 4. OBLIGATIONS OF ACCESS. 
 4.1
ACCESS represents and warrants that (a) in providing the Services, ACCESS shall act in accordance, in all material respects, with all laws, statutes, and ordinances and all rules, regulations, and orders of courts of competent jurisdiction and
regulatory and other governmental authorities (including, but not limited to the Telephone Consumer Protection Act, Telemarketing Sales Rule and any other individual state telemarketing and/or “Do Not Call” Regulations) to the extent such
laws, statutes, ordinances, orders, rules and regulations are applicable to the Services; (b) ACCESS shall further comply with all reasonable requirements, rules and guidelines of COMPANY, provided such requirements, rules and guidelines are
provided to ACCESS in writing and with advance notice but only to the extent they are applicable to the activities of ACCESS under the Agreement; (c) ACCESS shall act in a lawful, ethical and honest manner at all times in promoting, marketing
or soliciting orders, or procuring subscriptions from, Customers for the Services; ACCESS will perform all Services in the United States unless COMPANY agrees otherwise in writing to another 

 
arrangement; other than by engaging in the activities described in any Scope of Work, ACCESS, its affiliates, employees, agents and sub-contractors will not
(i) recommend or endorse specific securities or banking products; (ii) become involved in the financial services offered by COMPANY, including, without limitation, by: (A) opening, approving, maintaining, administering, or closing
Customer accounts with COMPANY; (B) soliciting, processing, or facilitating transactions relating to Customer accounts with COMPANY; (C) extending credit to any Customer for the purpose of purchasing securities through, or carrying
securities with, COMPANY; (D) answering Customer inquiries or engaging in negotiations involving brokerage accounts or securities transactions, or bank accounts; (E) accepting Customer securities orders, selecting among broker-dealers or
routing orders to markets for COMPANY execution; (F) handling funds or securities of Customers, or effecting clearance or settlement of Customer securities trades; or (G) resolving or attempting to resolve any problems, discrepancies, or
disputes involving Customer accounts or related transactions. 
 4.2 ACCESS shall use its commercially reasonable resources at all times to
provide prompt and efficient services levels that the parties mutually agree are adequate to provide the Services. Without limiting the foregoing or any other service level requirements herein, in the event that any scripting, logging, routing, data
processing, or data transmission errors or omissions occur as a direct result of an act or omission of ACCESS, ACCESS shall, without prejudice to any other rights or remedies of COMPANY, resolve such errors as promptly as practicable. 
 4.3 ACCESS represents and warrants that (a) it shall not use any advertising or promotional materials to promote, market and solicit orders for the
Services, whether in print or other media, unless and until such materials have been pre-approved by COMPANY in writing and (b) ACCESS shall only make such claims regarding or relating to the Services as are transmitted to it by COMPANY or
otherwise contained in advertising or promotional materials that are provided or approved by COMPANY. 
 4.4 ACCESS shall provide the
Services only in the name of, on behalf of, and at such prices, terms and conditions authorized by, COMPANY or otherwise in accordance with the terms of this Agreement. 
 4.5 ACCESS shall cooperate in a commercially reasonable manner with COMPANY in resolving any Customer complaints received by COMPANY or the COMPANY regarding ACCESS’s actions in promoting, marketing or soliciting
orders for Services. 
 4.6 ACCESS shall employ and train such personnel or increase capacity or supervision as is reasonably necessary to
ensure that the Services are performed with due care, in a professional manner, and in accordance with commercially reasonable industry standards. 
 4.7 ACCESS represents and warrants that its performance of the Services hereunder shall not, to the best of its knowledge, violate the patent, trademark, copyright, trade secret or other personal or proprietary rights of any third party.

 4.8 EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, ACCESS MAKES NO WARRANTIES, EXPRESS OR IMPLIED,
CONCERNING THE SERVICES, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. 
 5.
OBLIGATIONS OF COMPANY. 
 5.1 COMPANY agrees that all information relating to the pricing of ACCESS shall be deemed
confidential information and shall not be disclosed to any third party other than COMPANY’s affiliates and ACCESS’. 
 5.2 COMPANY
represents and warrants that, COMPANY is solely responsible for the content and representations of all COMPANY and other materials provided by COMPANY to Customers. 
 5.3 COMPANY agrees to provide scripts, literature and other written communications to the extent specified in the relevant Scope of Work. 
 5.4 To the extent commercially reasonable, COMPANY will provide data feed and report specifications, data and statistical definitions, data validation rules, communication specifications, list management parameters,
media plans and/or call forecast and any special hardware or software requirements prior to ACCESS engaging in the setup of the Services. 
 5.5 COMPANY represents and warrants that (a) all calling scripts, solicitations and products created or provided by COMPANY and associated with this Agreement shall comply, in all material respects, with all applicable Federal, state
and local laws and regulations (including, but not limited to, rules and regulations of the Food and Drug Administration). 
 5.6 COMPANY
represents and warrants that any materials provided by COMPANY to ACCESS in connection with this Agreement shall not violate, to the best of its knowledge, the patent, trademark, copyright, trade secret or other personal or proprietary rights of any
third party. 
 5.7 Sections 5.1, 5.5 and 5.6 will survive the term of this Agreement. 
 5.8 EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, COMPANY MAKES NO WARRANTIES, EXPRESS OR IMPLIED, CONCERNING ITS PERFORMANCE HEREUNDER, INCLUDING
WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. 
 6. PAYMENT 
 ACCESS will invoice the COMPANY on a monthly basis for sales and services provided during the previous month as outlined in the relevant Scope of Work
(‘Payment”). Invoices are payable in US Dollars and undisputed invoices are due within thirty (30) days of the date of receipt of the invoice. 

 7. USE OF COMPANY/ACCESS NAME 
 7.1 Neither party will, without the other party’s prior written consent, make any news release, public announcement, denial or confirmation of this
Agreement, its value, or its terms and conditions, or in any manner advertise or publish the fact of this Agreement or use either party’s name, trademarks, or logos in any manner, including without limitation, on customer lists or in
verbal/written presentations without the prior written permission of the non-disclosing party. Nothing in this Agreement is intended to imply that either party agrees to any publicity whatsoever, and either party may, in its sole discretion,
withhold its consent to any publicity. 
 8. INDEPENDENT CONTRACTOR. 
 8.1 This Agreement does not constitute ACCESS as a legal representative, joint venturer, partner or employee of COMPANY for any purpose. Other than
actions authorized under this Agreement, ACCESS is not authorized to make any contract, agreement, warranty, statement or representation or to take any other action which could be deemed to establish an apparent relationship of agency, joint
venture, partnership or employment with COMPANY. Except with respect to authorized actions taken pursuant to this Agreement, COMPANY shall not be bound in any manner by any contract, agreement, warranty, statement, or representation made by ACCESS
to any other person or by any other action by ACCESS. COMPANY shall have no control over ACCESS’s employees; including the terms and conditions of their employment, or over ACCESS’s methods of doing business except as set forth herein.
COMPANY and ACCESS agree that neither shall undertake any action, or purposely fail to take any action, which would imply or otherwise mislead any third party, including, but not limited to, the public-at-large, that the COMPANY and ACCESS have
formed or otherwise established a business relationship or combination other than that specifically described in this Section 8. 
 8.2
ACCESS, its agents or employees, shall not be entitled to participate in or receive any benefit or right as an employee under any COMPANY benefit plans, including, but not limited to, employee insurance, pension, or security plans, as a result of
entering into this Agreement. 
 8.3 ACCESS further agrees that it will make no representation with respect to its relationship with COMPANY
except to state that it is authorized by COMPANY to perform the Services as an independent contractor hereunder. 
 8.4 In the event that
COMPANY requests ACCESS to travel on COMPANY’s behalf or to otherwise make itself available to COMPANY at any off-site location, COMPANY shall be responsible for any and all reasonable, pre-approved, documented expenses incurred by ACCESS in
performing its duties hereunder, including, but not limited to, all transportation, lodging and meal expenses. 

 9. INDEMNIFICATION 
 9.1 Both COMPANY and ACCESS (“Indemnitor”) shall indemnify, defend and hold harmless the other party, its officers, directors, employees,
members and agents (the “Indemnified Party(s)”) from and against any and all third party losses, liabilities, claims, obligations, including without limitation any proceeding, investigation or claim by a self-regulatory
organization, state or federal securities agency or commission, (each an “Action”), and all costs and expenses (including, without limitation, reasonable attorneys’ fees) which result from, arise in connection with, or are related in
any way to: (i) any misrepresentation or breach by either party of any of either party’s representations, warranties or obligations set forth herein; (ii) the negligence, misrepresentation, or error or omission of either party or
representatives of either party, including, but not limited to, any claim of damages brought or sought against either party by any Customers with respect to the manner in which ACCESS or COMPANY conducts its promotion, marketing and solicitation of
orders for the Services; and/or (iii) the infringement or alleged infringement of any intellectual property right of any third party; provided that (a) the Indemnitor is promptly notified in writing of such Action, (b) the Indemnitor
shall have the sole control of the defense and/or settlement thereof, (c) the Indemnified Party furnishes to the Indemnitor, on request, information available to the Indemnified Party for such defense, and (d) the Indemnified Party
cooperates in any defense and/or settlement thereof as long as the Indemnitor pays all of the Indemnified Party’s reasonable out of pocket expenses and attorneys’ fees. No settlement or compromise that imposes any liability or obligation
on any Indemnified Party, other than a payment, cessation of use, or return of any infringing item, or that does not contain a complete waiver and release of all related claims and liability shall be made without such Indemnified Party’s prior
written consent. The obligations of this Section 9 shall survive the termination of this Agreement 
 10. ASSIGNMENT.

 10.1 ACCESS may not assign its rights, obligations, or interest under this Agreement to any unaffiliated third party without the prior
written consent of COMPANY. 
 10.2 COMPANY may not assign its rights, obligations, or interest under this Agreement to any unaffiliated
third party without prior written consent of ACCESS; provided however, COMPANY may assign its rights, obligations, and interest under this Agreement to an entity acquiring all or substantially all of its assets or business, or to an entity
controlled by, controlling, or under the common control of, COMPANY. 
 11. TERMINATION AND TRANSITION. 
 11.1 COMPANY may terminate this Agreement or any Scope of Work with or without cause, upon thirty (30) days prior written notice to ACCESS. COMPANY
shall pay for all services and expenses to said date of termination. 
 11.2 Either party may terminate this Agreement or any Scope of Work
upon breach by the other party of any material covenant, term, or condition of this Agreement, if such breach is not cured within Ten (10) business days after written notice thereof. 

 11.3 Either party may terminate this Agreement upon the institution of any proceeding for relief under
the Bankruptcy Code or if such proceeding is instituted against either party, if either party becomes insolvent, if a receiver (permanent or temporary) of either party’s property or any part thereof is appointed by a court of competent
authority, if either party makes a general assignment for the benefit of creditors, or if execution is levied against either party’s assets and such levy or suit is nor dismissed within ten (10) days thereafter. 
 11.4 Upon termination or expiration of this Agreement or any Scope of Work for any reason, (i) the rights to payment and the obligations of either
party that have come due before termination will continue in full force and effect; (ii) COMPANY shall within thirty (30) days pay ACCESS all undisputed monies owed to it, including, but not limited to, all Service fees as outlined in the
relevant Scope of Work, under the Agreement; and (iii) ACCESS shall immediately return to COMPANY all materials, including, but not limited to, manuals, sales contracts, promotional or marketing materials, demonstration materials, and other
sales aids supplied to ACCESS by COMPANY or relating to ACCESS’s performance of Services under this Agreement. 
 11.5 Transitional
Services: Upon termination of the Services by either party, ACCESS will, at COMPANY’s written request, provide to COMPANY such transitional services as are reasonably necessary to permit COMPANY to transfer promptly the performance of the
Services to COMPANY’s own personnel and/or to another provider or providers, such as, by way of example, (i) the orderly delivery to COMPANY of all COMPANY Property (as defined below), including, without limitation, COMPANY’s
databases in suitable form, fulfillment materials, business reply cards and all other material, (ii) the continuation and reduction (i.e., “ramp-down”) of Services as necessary to minimize disruption, (iii) training or
support services, and (iv) assignment and transfer, as directed by COMPANY, of all Telephone Numbers (as defined below). The parties will reasonably and in good faith negotiate a reasonable schedule, scope and cost for all transitional services
to be provided. Once COMPANY and ACCESS have reached agreement on the nature, scope, timeframe and “ramp down” schedule of all transitional services, ACCESS shall provide to COMPANY an estimate of the entire cost thereof, which cost shall
be based, when applicable, on the pricing schedules as defined and set forth in the relevant Scope of Work; or for services not included in the pricing schedules as mutually agreed to by the parties. On a monthly basis, ACCESS shall deliver to
COMPANY reasonably detailed invoices covering all transitional services for the prior month and all Services performed through the effective date of termination not previously invoiced, which shall be prepared based upon all of the rates and charges
contained in ACCESS’ estimate or if not included in the estimate, a Scope of Work. COMPANY shall pay such invoices in accordance with the terms of this Agreement. 
 11.6 Neither termination nor expiration of this Agreement shall relieve either party of liabilities previously accrued hereunder or any liability, obligation or agreement which is to survive or be performed after such
termination or expiration. 
 11.7 Section 11.4, 11.5 and 11.6 above shall survive the termination of this Agreement. 

 12. LIMITATION OF LIABILITY. 
 12.1 IN NO EVENT SHALL EITHER PARTY BE HELD RESPONSIBLE TO THE OTHER PARTY FOR INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR OTHER FORMS OF INDIRECT
DAMAGES INCURRED FOR ANY ACT OR FAILURE TO ACT UNDER THIS AGREEMENT OR BY REASON OF THE EXPIRATION OR TERMINATION OF THIS AGREEMENT EVEN IF INFORMED OF THE POSSIBILITY OF SUCH DAMAGES, REGARDLESS OF THE FORM OF ACTION IN WHICH SUCH LIABILITY IS
ASSERTED. NEITHER PARTY WILL BE LIABLE TO THE OTHER FOR COMPENSATION, REIMBURSEMENT OR DAMAGE OF ANY KIND ON ACCOUNT OF LOST PROFITS ON ANTICIPATED SALES OR ON ACCOUNT OF EXPENDITURES, INVESTMENTS, LEASES OR COMMITMENTS IN CONNECTION WITH THE
BUSINESS OR GOODWILL OF THE OTHER PARTY. 
 12.2 IN NO EVENT SHALL EITHER PARTY’S LIABILITY TO THE OTHER PARTY IN ANY YEAR OF THE TERM
OF THIS AGREEMENT EXCEED THE GREATER OF TWO MILLION DOLLARS ($2,000,000) OR THE TOTAL SERVICE FEES INCURRED BY COMPANY. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, THE LIMITS ON LIABILITY SHALL NOT APPLY TO (i) COMPANY’S
PAYMENT OBLIGATIONS UNDER THIS AGREEMENT, (ii) LIABILITY OF EITHER PARTY ARISING OUT OF FRAUD, NEGLIGENCE, WILLFUL MISCONDUCT OR ILLEGAL ACTS ON THE PART OF SUCH PARTY OR ITS EMPLOYEES, OR AGENTS, (iii) CLAIMS OF DEATH OR INJURY TO PERSONS
OR DAMAGE TO PROPERTY, (iv) SECTION 9, INDEMNIFICATION, OF THIS AGREEMENT, COVERING THIRD PARTY CLAIMS, OR (v) DAMAGES INCURRED DUE TO BREACH BY EITHER PARTY OF ITS OBLIGATIONS REGARDING CONFIDENTIALITY. 
 13. CONFIDENTIALITY. 
 13.1
ACCESS acknowledges that, in the course of promoting and selling Services and performing its duties under this Agreement, it may obtain non-public information relating to COMPANY and its products and services (“COMPANY Confidential
Information”). Such COMPANY Confidential Information shall include, but not be limited to, Customer Information, trade secrets, pricing and discount schedules, customer lists, financial information, sales and marketing plans and all
information pertaining to Customers and the COMPANY. Without limiting the foregoing, COMPANY Confidential Information shall also include all information contained in all databases developed and/or maintained by ACCESS on behalf COMPANY or the
COMPANY. 
 13.2 Except as COMPANY may expressly allow in writing or except pursuant to a valid court order or as otherwise required by law,
ACCESS shall at all times keep and hold the COMPANY Confidential Information in the strictest confidences, and shall not use such information for any purpose other than as may be reasonably necessary in connection with this Agreement. Except as set
forth herein, ACCESS shall not disclose any COMPANY Confidential Information to any person or entity, other than such ACCESS employees or consultants as may be reasonably necessary for purpose of performing its duties hereunder and who have agreed
in writing to be bound by the terms of this Agreement. ACCESS agrees it is fully liable for any breach of this Section 13 by its employees or consultants. 

 13.3 COMPANY acknowledges that, it may obtain non-public information relating to ACCESS and its Services
which COMPANY knows or has reason to know is of a confidential and/or proprietary nature (“ACCESS Confidential Information”). Such ACCESS Confidential Information shall include, but not be limited to, trade secrets, computer
software and programs (including, but not limited to, mathematical equations, algorithms and datebase schema), pricing and discount schedules, customer lists, financial information, sales, and marketing plans. 
 13.4 Except as ACCESS may expressly allow in writing or except pursuant to a valid court order or as otherwise required by law, COMPANY shall at all
times keep and hold the ACCESS Confidential Information in the strictest confidences, and shall not use such information for any purposes other than as may be reasonably necessary in connection with this Agreement. Except as set forth herein,
COMPANY shall not disclose any ACCESS Confidential Information to any person or entity, other than its employees or consultants as may be reasonably necessary for purposes of performing its duties hereunder , and who are bound by confidentiality
obligations consistent with, and at least as restrictive as those provided herein. COMPANY agrees to be liable for any breach of this Section 13 by its employees or subcontractors. 
 13.5 ACCESS recognizes that to the extent necessary to effect, administer, enforce or otherwise perform its obligations hereunder, COMPANY may disclose
to ACCESS, or ACCESS may otherwise obtain, Customer Information (as defined below). Such disclosure, as well as any subsequent use and/or redisclosure, of Customer Information shall only be made for the foregoing purposes and in conformance with
applicable law. When used in this Agreement, the term “Customer Information” shall mean all nonpublic personal information about Customers or COMPANY’s consumers which may be provided to, acquired by, or accessed by, ACCESS,
from time to time, including without limitation, name, address, telephone number, e-mail address and social security number. ACCESS on behalf of itself and its employees, officers, directors, affiliates and agents, hereby agrees that Customer
Information made available to it will not be disclosed or made available to any third party, agent or employee for any reason whatsoever, other than with respect to: (a) its employees on a “need to know” basis, provided that such are
subject to a confidentiality agreement which shall be consistent with and no less restrictive than the provisions of this subsection and of Section 13 generally; provided that ACCESS uses best efforts to cause such parties to maintain the
confidentiality of the Customer Information; and (b) as required by law or as otherwise permitted by this Agreement or the Financial Services Modernization Act of 1999 (Gramm-Leach-Bliley Act or “GLBA”) regarding ‘Privacy’
of ‘non-public personal information’ as stated in Title V of that Act and promulgated by the Federal Reserve Board in Regulation P, either during the term of this Agreement or after the termination of this Agreement, provided that, prior
to any disclosure of Customer Information as required by law, ACCESS shall (i) not disclose any such information until it has notified COMPANY of all, if any, actual or threatened legal compulsion of disclosure, and any actual legal obligation
of disclosure immediately upon becoming so obligated, and (ii) cooperates to the fullest extent possible with COMPANY’s lawful efforts to resist, limit or delay disclosure. To the extent this subsection is consistent with Section 13
generally, Customer 

 
Information will be considered COMPANY Confidential Information. Upon termination or expiration of this Agreement, ACCESS will promptly return or destroy all
Customer Information in its possession, and if destroyed, will certify to COMPANY in writing that such Customer Information has been destroyed. 
 13.6 The obligations of this Section 13 shall survive the termination or expiration of this Agreement. 
 14. RIGHTS IN
WORK PRODUCT. 
 14.1 Any materials, including, without limitation all data, materials, concepts, techniques, plans, designs,
methodologies, procedures, programs, approaches, ideas, know-how, computer software, and technology and other materials or Confidential Information (collectively, “Property”) supplied by COMPANY to ACCESS, remains, as between ACCESS
and COMPANY, the sole property of COMPANY (“COMPANY Property”). COMPANY shall own all right, title and interest in and to any Property developed by ACCESS that was specifically requested by, and paid for by, COMPANY. This provision
shall survive the termination or expiration of this Agreement. 
 14.2 All ACCESS Confidential Information, and all other intellectual
property rights belonging to ACCESS as of the date of this Agreement (“Pre-Existing Rights”) shall remain the sole and exclusive property of ACCESS. This provision shall survive the termination or expiration of this Agreement.

 14.3 ACCESS agrees that, a) At COMPANY’s request, ACCESS shall work with COMPANY in developing scripts for inbound and outbound
programs (“Scripts”) and shall submit all Scripts to COMPANY for COMPANY’s written approval prior to use; b) ACCESS shall ensure that its employees and representatives adhere to all Scripts approved for use in the provision of
Services and that all Scripts in all agent materials, including, without limitation, on each employee’s desktop PC screen, are accurate; c) ACCESS shall advise COMPANY of all non-routine or unusual customer or trade inquiries; d) ACCESS shall
maintain a so-called “Do Not Call List” specifically for COMPANY, in accordance with the Telemarketing Sales Rules and it shall honor all do not call requests; and e) Subject to being provided with advance written copies thereof, it
shall comply with all reasonable telemarketing guidelines or business policies developed by COMPANY or its COMPANY. For the avoidance of doubt, the foregoing is intended to be illustrative and not exhaustive. 
 15. MISCELLANEOUS. 
 15.1
Notices. All notices or other communications made pursuant to this Agreement shall be in writing and shall be made by certified mail (return receipt requested), by a reputable overnight delivery service or personal delivery to the following
on behalf of the respective parties: 
 If to COMPANY at its address above: 
 Attention: Jeannine Greene 

 With a copy to: 
 Chief Legal Officer 
 671 North Glebe Road 
 Arlington, VA 22203 
 If to ACCESS:

 Access Worldwide Communications, Inc. 
 TelAc Teleservices Group 
 1800 Fort Myer Drive 
 4th
Floor 
 Arlington, Virginia 22209 
 Attn: Georges André 
 With a copy to: 
 Access Worldwide Communications, Inc. 
 4950
Communications Avenue, Suite 300 
 Boca Raton, FL 33431 
 Attention: Corporate Counsel 
 15.2 Waiver. No course of dealing or failure of either party to
strictly enforce the terms of this Agreement will be construed as a waiver of the future performance of that term or condition. 
 15.3
Excusable Delay. Any event that prevents either party from performing its obligations hereunder, that is beyond the reasonable control, and without the fault or negligence of the party so prevented, shall constitute an excusable delay. In
such event, the performance obligations of the parties hereunder shall be suspended and the terms of this Agreement shall be extended for the period of time equal to the length of the excusable delay, provided, however, the delayed party shall
promptly notify the other party of the nature of such delay and the estimated time that the delay will continue. In the event any delay continues for more than thirty (30) days, and such delay has material adverse impact on the other party,
such other party may, at its option, terminate this Agreement by written notice. 
 15.4 Insurance. Without limiting ACCESS’
indemnification of COMPANY, ACCESS shall at all times during the term of this Agreement and any extended terms thereof, provide and maintain at its own expense, the following types of insurance, with limits of liability not less than those specified
below: 
  

					
	 	  	 Coverage
	  	 Minimum Amounts/Limits

	I	  	Worker’s Compensation	  	Statutory requirements of location of work
	II	  	Employer’s Liability	  	$1,000,000 each accident as respects bodily injury; $1,000,000 each employee and policy limit, as respects disease.
	III	  	General Liability	  	$2,000,000 each occurrence, Combined Single Limit as respects bodily injury and property damage.

					
	 IV
	  	Automobile Liability	  	$1,000,000 each occurrence, Combined Single Limit, as respects bodily injury and property damage.

 Before commencing performance of this Agreement, ACCESS shall provide COMPANY with Certificates of Insurance
evidencing the above coverages, and listing COMPANY as additional insured. COMPANY will not maintain any insurance on behalf of ACCESS unless otherwise stated in this Agreement. 
 16. LAW. 
 This Agreement and
any exhibits and the rights and obligations of the parties hereunder and thereunder, shall be governed by and construed and interpreted in accordance with the laws of the State of Delaware as applied to agreements executed and to be performed
exclusively within such state, without regard to choice of law principles. The undersigned irrevocably agree that any dispute between the undersigned will be resolved exclusively in a court of competent jurisdiction located in the defendant’s
location unless both parties otherwise agree in writing. Both parties further irrevocably consent to the personal jurisdiction and venue of any such court and to service of process in any such action by certified mail, return receipt requested or by
any means giving actual notice of such process to such party. 
 17. ENTIRE AGREEMENT. 
 This Agreement including the Exhibits hereto contain the entire and only agreement between the parties with respect to the subject matter hereof. Any
representations, promises, or conditions in connection herewith not incorporated herein or therein shall not be binding on either party. This Agreement supersedes all prior understandings, representations, negotiations, promises, and agreements
relative to the subject matter hereof. No modification of this Agreement or any of its provisions shall be binding unless made in writing and signed by an authorized representative of each party. 
 18. BOOKS AND RECORDS. 
 ACCESS
will maintain complete and accurate books, records and accounts of all contracts, papers, correspondence, contacts, invoices and other information in connection with its performance of the Services. COMPANY, through its employees, its legal counsel,
and its certified public accountants, shall be entitled to make such examination of the books and records of ACCESS as shall be reasonably necessary to verify the information set forth in any invoice and to ensure ACCESS’s compliance with the
terms of this Agreement. Any such examination shall be made during normal business hours upon five (5) business day notice with the full cooperation of ACCESS and its employees and representatives. 
 19. GRAMM-LEACH-BLILEY. COMPANY has advised ACCESS, and ACCESS acknowledges, that COMPANY is a financial institution regulated by the Office of
Thrift Supervision (“OTS”), subject to the provisions of OTS Thrift Bulletin 82 (“Third Party Arrangements”). ACCESS understands that it is responsible for ensuring that all agents, employees, officers, directors, and affiliates
of ACCESS comply with the terms of this Agreement, and agrees to enter into contractual provisions with all agents, 

 
employees, officers, directors, and affiliates of ACCESS providing services pursuant to this Agreement, that are consistent with and no less restrictive than
the provisions of this Agreement. COMPANY shall have the right to review the books, records, policies and procedures of ACCESS relating to compliance with GLBA and conduct on-site inspections during reasonable business hours and with notice to
ACCESS, to ensure compliance with the terms of this Section 19. 
 20. SECURITY AND AUDIT. ACCESS shall notify COMPANY of,
and COMPANY shall have the right to approve, upon reasonable prior notice to ACCESS, any affiliate or third party contractor, prior to its engagement by ACCESS to perform Services hereunder, review the books, records, policies and procedures of
ACCESS, its affiliates and any affiliate or third party contractors that perform services under this Agreement, and conduct on-site audits and inspections during reasonable business hours, and if necessary, at a mutually agreeable time, after
business hours, to ensure that ACCESS, its affiliates and any third party contractor is in full compliance with the terms of this Agreement, and with all of COMPANY’s policies and procedures relating to the safeguarding of Confidential
Information, including without limitation, those tasks described in Exhibit B. Any audit or inspection hereunder shall be subject to the following limitations: (i) use of any third party auditor that is a competitor of ACCESS shall be subject
to ACCESS’ prior written approval, such approval not to be unreasonably withheld or delayed; (ii) all audit results and disclosed records shall be held as ACCESS’ Confidential Information (as hereinafter defined) and shall not be used
for any purpose except to verify ACCESS’ compliance with the terms of this Agreement and the accuracy of invoices; and (iii) COMPANY or any auditor conducting any such audit or inspection shall at all times comply with any and all
reasonable security and confidentiality guidelines and other policies of ACCESS with respect to the audit. 
 21. COMPLIANCE. Access
agrees that COMPANY has the right to remove any Access employee(s) performing Services for the COMPANY at any time, at COMPANY’s sole discretion. Further, Access must perform a criminal background check on each Access employee prior to such
employee performing Services, and Access will not allow any Access employee with any previous felony convictions, or any conviction involving fraud, embezzlement or moral turpitude, to perform any Services. Additionally, Access agrees to inform the
COMPANY promptly of all incidents involving employee willful misconduct, including without limitation, fraud, or any incident which may otherwise cause disclosure of Customer Information which directly or indirectly impacts any Confidential
Information or other information provided by the COMPANY in relation to the Services. COMPANY shall be apprised on any such incidents immediately upon discovery by Access, and from time to time thereafter during the time such incident is being
investigated. Access will provide all relevant information discovered during the investigation of such incident from time to time during the investigation. Access shall provide updates on the status of any investigation upon request by the COMPANY.

 IN WITNESS WHEREOF, the parties have executed this Agreement on the Effective Date set forth
above. 
  

									
	 E*Trade Financial Corporation
 “Company”
	 		 	 ACCESS WORLDWIDE COMMUNICATIONS, INC
 “ACCESS”

					
	Signature:	 	  
	 		 	Signature:	 	  

					
	Name:	 	  
	 		 	Name:	 	  

					
	Title:	 	  
	 		 	Title:	 	  

					
	Date:	 	  
	 		 	Date:

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