Document:

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                                                                    Exhibit 10.6

                             CONTRACT FOR EMPLOYMENT

                                       FOR

                             ORC INTERNATIONAL LTD.

                                 (the "Company")

                               Angel Corner House

                             1 Islington High Street

                                 London, England

1.   PARTIES

     This agreement is made between the Company and Nigel Maxfield, 57A
     Westmorland, Urmstom, Manchester M419HN

2.   STATE DATE AND DURATION

     This agreement is made this 12th day of December, 2001. Your employment
     shall continue indefinitely subject to termination in accordance with
     Clauses 11, 17 and 18 of this agreement. June 7, 1983 will be used as the
     date to determine continuity of service.

3.   JOB TITLE AND RESPONSIBILITIES

     Your job title is Deputy Managing Director, O.R.C. International Ltd. You
     are also a member of the Company's "Worldwide Managing Board". Your duties
     and this appointment may be performed by you solely or jointly with
     whomsoever the Company may appoint. Your current duties are the growth and
     profitability of O.R.C. International Ltd. You are responsible to Managing
     Director or his designee from time to time. Unless otherwise expressly
     stated in this agreement all consents and authorizations which you are
     required to obtain from the Company shall be given by the Managing Director
     on behalf of the Company or such other person as the Company may specify or
     the Managing Director may delegate to from time to time.

     The Company is fast growing and flexibility is important. You shall
     therefore be required to undertake such other duties as the Company
     specifies and which are consistent with your position within the Company.

     The Company reserves the right to require that you do not perform any
     duties or attend the Company's premises during any period of suspension or
     whilst you

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     are under notice of termination of your employment provided that you
     continue to be paid the salary and benefits to which you are entitled under
     this agreement.

4.   NORMAL PLACE OF WORK

     Your primary place of work will be at Angel Corner House, 1 Islington High
     Street, London, England. The Company reserves the right to change your
     normal place of work to any place within the North and South Circular Road
     of London. You will be given at least one month's notice of any such
     change.

     Your duties will involve travel to clients' locations. You may be required
     to travel anywhere within the UK, Europe and the US as is necessary for the
     proper performance of your duties. Should it prove necessary that you work
     outside the UK for more than one month, the terms of this agreement will be
     reviewed.

5.   WHOLE TIME AND ATTENTION

     During your employment with the Company you shall devote your best efforts
     to promoting the Company's business and may not, without the prior written
     consent of the Company which will normally not be given and subject to any
     terms and conditions the Company may reasonably impose, engage whether
     directly or indirectly in any other business or employment.

     During your normal hours of work you shall devote your whole time and
     attention to your duties for the Company and shall not be engaged in any
     other activities without the Company's prior written consent.

     Notwithstanding the above, you may hold units of an unauthorized unit trust
     up to 5% of the issued securities of any class of shares in any company
     whose shares are listed on a recognized stock exchange including shares in
     respect of which dealing takes place in the Alternative Investment Market
     or the International Stock Exchange of the UK and Republic of Ireland
     Limited.

6.   CONFIDENTIAL INFORMATION

     During the course of your employment with the Company you are likely to
     have access to secret or confidential information regarding the affairs of
     the Company. Group companies ("Group" company being as defined in section
     53(i) of the Companies Act of 1989) and its or their clients, customers and
     business associates, including without limitation, information concerning
     the Company's survey methodology, survey plans, products, market surveys or
     reports, technical operations, inventions, processes, compilations of names
     and addresses of clients, methods of distribution, customers, trade
     secrets, business budgets and financial status ("Confidential
     Information").

     During the course of your employment and after its termination you shall
     not use (save for the benefit of the Company or any Group company and in
     the proper performance of your duties) and you shall not disclose, divulge
     or communicate

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     directly or indirectly to any third party any Confidential Information
     without the Company's prior written consent.

     The term Confidential Information shall not include information which is
     already in the public domain otherwise than by unauthorized disclosure or
     which you are ordered to disclose by a Court of competent jurisdiction.

7.   NORMAL WORKING HOURS

     You are required to work a minimum of 36 1/4 hours per week. Your normal
     hours of work are between 9:15 a.m. and 5:30 p.m. Monday to Friday
     inclusive of a one hour unpaid break for lunch.

     The nature of your position is such that you are required to work such
     additional hours as are necessary for the proper performance of your duties
     without additional pay.

     You hereby agree to opt out of Regulation 4(1) of the Working Time
     Regulations 1998, although you may terminate such opt out at any time by
     giving the Company not less than three months written notice.

8.   SALARY

     Your salary is (pound)110,000 (one hundred ten thousand pounds) sterling
     gross per year which will accrue on a daily basis. This will be paid at the
     end of each month, after deduction of tax, social security contributions
     and agreed deductions in equal installments in arrears in accordance with
     the Company's procedures from time to time.

     Your salary will be reviewed upwards in accordance with the Company's
     procedures from time to time. Currently salaries are reviewed annually each
     January. Any such change will be notified to you in writing by no later
     than the first salary payment at the higher rate. You are also eligible to
     participate in any incentive compensation program that may be developed for
     the Company.

9.   EXPENSES

     The Company shall reimburse you for all expenses reasonably and properly
     incurred by you in the proper performance of your duties in accordance with
     the Company's expenses policy as amended from time to time. Such
     reimbursement will be made within one month of such expenses being incurred
     provided that such vouchers, receipts or other evidence of such expenses
     having been incurred are produced as the Company may from time to time
     reasonably require.

     If the Company advances to you any sums in respect of expenses to be
     incurred such sums are the property of the Company. You are required to
     repay the outstanding balance of any such advance against which expenses
     claims have

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     not been properly submitted within one month of the date on which such sums
     are advanced to you. If you do not repay such outstanding sums, the Company
     is hereby irrevocably authorized to deduct the same from any payment of
     salary due to you under Clause 8 above, or any money owed to you by the
     Company on or after termination of your employment.

10.  HOLIDAY

          (a) Entitlement

     The Company's holiday year is the calendar year. In addition to Statutory
     and Bank Holidays (currently New Year's Day, Good Friday, Easter Monday,
     May Day, Spring Bank Holiday, Summer Bank Holiday, Christmas Day and Boxing
     Day) your holiday entitlement per year is 30 days.

     During your first and last calendar years of employment with the Company
     your holiday entitlement will be calculated at the rate of one twelfth of
     your annual entitlement for each complete calendar month of employment with
     the Company in the calendar year.

          (b) Procedures

     You must give at least two weeks notice of proposed holidays to the
     Company. You may not take holidays without the prior approval of the
     Company.

          (c) Termination of Employment

     The Company will compensate you for any accrued but untaken holiday
     entitlement outstanding on termination of your employment at the rate of
     1/365th of your gross annual basic salary for each accrued but untaken day
     of holiday.

     If you have taken in excess of your accrued holiday entitlement on
     termination of your employment you must repay to the Company the excess
     holiday pay paid to you at the rate of 1/365th of your gross annual basic
     salary for each day's holiday taken in excess of your entitlement. If you
     do not repay such excess holiday pay the Company is hereby irrevocably
     authorized to deduct such amount from any money owed to you by the Company
     on or about termination of your employment.

11.  SICKNESS

          (a) Notification

     If you are absent from work due to sickness or injury you must inform your
     Manager as soon as possible on your first day of absence. You must keep
     your Manager regularly informed of the reasons for and expected duration of
     your absence.

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     If you are absent for more than 7 consecutive days (including weekends and
     holidays) you must provide your Manager with a medical certification on the
     8th day and thereafter weekly.

     Immediately following your return to work after any period of absence due
     to sickness or injury you will be required to complete a self certification
     form. This information is required to calculate your entitlement to
     Statutory Sick Pay ("SSP") and such self certification forms will be
     retained in the Company's records.

     Any unauthorized absence must be explained and failure to do so may be
     treated as a disciplinary matter.

          (b) Sick Pay

     If you are absent from work due to sickness or injury and comply with the
     requirements of Sub clause 11(a) above regarding notification you will be
     paid SSP and/or Company Sick Pay ("CSP") as set out below.

          (i) Statutory Sick Pay

     You will be paid SSP in accordance with the provisions of the Social
     Security contributions and Benefits Act 1992 as amended from time to time.
     For SSP purposes your qualifying days are Monday to Friday inclusive.

          (ii) Company Sick Pay

     The Company reserves the right to require you to be examined at any time by
     an independent doctor of its choice and at its expense and to cease payment
     of your basic salary forthwith if it is advised by that doctor that you are
     fit to return to work. Failure to attend any examination without reasonable
     cause shall entitle the Company to cease payment of your basic salary
     forthwith.

     If you are absent from work due to ill health for a period or periods
     exceeding six months in any period of twelve months the Company is entitled
     to terminate your employment by giving you your statutory minimum notice
     save that where the Company has provided you with permanent health
     insurance benefit no termination will be effected pending a decision from
     insurers in respect of the benefit or if benefit is being provided by
     insurers and the insurers confirm that termination will not affect the
     provision of benefit. You shall have no claim for damages or otherwise
     against the Company in respect of such termination.

     If your absence is due to injury or actionable nuisance or negligence
     caused by a third party or third parties all payments made to you under
     this clause by the Company to the extent that compensation is recoverable
     from any third party (or would be but for this clause) constitute a loan to
     you from the Company and shall be repaid by you when and to the extent that
     the Company requests such repayment.

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12.  PENSION AND RETIREMENT

     You are eligible to participate in the Company's pension scheme, subject to
     the terms of such scheme as amended from time to time. These are personal
     portable pensions run by Norwich Union. Currently the Company makes monthly
     contributions at the rate of 5% of your gross basic monthly salary into the
     Company pension scheme.

     There is no contracting out certification (issued under the Pension Schemes
     Act 1993) in force in respect of your employment.

     The normal retirement age for your employment is 65 years. The Company
     reserves the right to depart from this retirement age if the Company
     considers that this is appropriate.

13.  PRIVATE MEDICAL INSURANCE

     You are currently entitled at your request within seven days from your
     starting date to participate in the Company's Private Medical Insurance
     scheme in accordance with the Company's policy as amended time to time. The
     Company reserves the right to vary, amend or remove this benefit at its
     sole discretion. This program is fully paid for by the Company and covers
     the Employee, Employee's spouse and family members.

14.  LIFE INSURANCE

     The Company will provide you with life insurance coverage in accordance
     with the Company's policy as amended from time to time. The Company
     reserves the right to vary, amend or remove this benefit at its sole
     discretion. The death-in-service benefit equals four times salary.

15.  COMPANY CAR

     (a)  The Company shall provide the Employee with the use of a motor car
          ("the Company car") in accordance with the Company's car policy. The
          annual car allowance is(pound)6,300 (car or cash equivalent). The
          Company car shall be replaced by the Company in accordance with the
          Company's car policy from time to time. The Company shall be
          responsible for payment of the insurance and road fund tax and all
          fuel (except fuel used outside the UK), running and maintenance
          expense in respect of the Company car ("the standing and running
          costs"). The Employee shall be responsible for ensuring that the
          Company car is at all times kept in good condition and shall report
          any accident and any endorsement to his license within 7 days of
          occurrence.

     (b)  The Company car shall at all times be the property of the Company
          (subject to any hire, purchase hiring, leasing, lease purchase or
          other similar agreement which the Company may have entered into in
          respect of

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          the Company car) and shall be registered in the name of the Company
          and shall be returned to the Company forthwith upon the termination of
          the Employee's employment.

     (c)  The Employer shall be entitled to require the Employee to return the
          Company car to the Employer if the Employee is prevented from working
          by reason of illness or injury or similar incapacity or by industrial
          action for a period exceeding 28 days.

16.  INTELLECTUAL PROPERTY

          (a) Copyright

     The Copyright, Designs and Patents Act 1988 governs the ownership of
     copyright in literary, artistic and other works created by you in the
     course of your employment. In relation to all such copyright the Company
     (as your employer) is the owner.

     If during your employment you at any time (whether alone or with any other
     person, whether during the course of your normal duties or other duties
     specifically assigned to you, and whether or not during normal working
     hours) originate any design (whether registrable or not) or other work in
     which copyright may subsist, you shall immediately disclose it to the
     Company and, at the request and expense of the Company, you shall do all
     things necessary and desirable to substantiate the rights of the Company in
     relation to that design.

          (b) Inventions

     The Patents Act 1977 provides that, subject to certain conditions, an
     invention made by you (as the Company's employee) will belong to the
     Company if it is made in the course of your normal duties or in the course
     of other duties specifically assigned to you.

     If at any time during your employment (whether or not whilst engaged in the
     performance of your duties) you discover, make or conceive, either alone or
     in conjunction with others, any invention, discovery or design which
     relates to the business of the Company (an "Invention") you shall:

     (i)  immediately communicate or explain in writing full particulars of the
          invention to the Company, whether you consider the Invention to be, by
          virtue of Section 39 of the Patents Act 1977, your own property or the
          property of the Company; and

     (ii) where the Invention is the property of the Company, at the request and
          expense of the Company, supply all such information, data and drawings
          as may be necessary to enable the Company to exploit the Invention to
          its best advantage and shall execute and do all such documents and
          things as may be necessary or desirable for

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          obtaining patent or similar protection for the same in such part or
          parts of the world as may be specified by the Company and for vesting
          the same in the Company or as it may direct.

          (c) Moral Rights

     You hereby irrevocably waive any rights you may have under Chapter IV of
     Part I of the Copyright Designs and Patents Act 1988 ("Moral Rights") any
     foreign law assigning corresponding rights in respect of any acts of the
     Company or done with the Company's authority in relation to all copyright
     material generated by you.

     Rights and obligations under this Clause 16 in respect of all intellectual
     property (including any copyright, Inventions, or Moral Rights) shall
     continue in force after the termination of your employment and shall be
     binding upon your representatives.

17.  NOTICE OF TERMINATION OF EMPLOYMENT

     Unless previously terminated in accordance with clause 18 your employment
     shall continue until terminated by either party giving to the other not
     less than twelve months notice in writing.

     Your employment will terminate automatically on your 65th birthday which is
     the normal retirement date for the employees of the Company.

     The Company reserves the right in its sole and absolute discretion to
     terminate your employment with immediate effect at any time by making a
     payment in lieu of notice equivalent to salary for the notice period or,
     where notice has been given for the balance of the notice period. The
     payment shall consist solely of an amount equivalent to salary in lieu of
     notice, and shall not include any payment in respect of any bonus or other
     contractual benefits. For the purposes of this clause salary shall be
     calculated at the rate in force at the date of termination.

     Any payment in lieu of notice paid pursuant to clause 17.3 will be paid
     less tax and National Insurance as required by law.

18.  TERMINATION OF EMPLOYMENT WITHOUT NOTICE

     Notwithstanding any other provision of this agreement the Company shall
     (without prejudice to the other rights and remedies of the Company) be
     entitled to terminate your employment without notice and without pay in
     lieu of notice in appropriate circumstances including where you:

     (a)  commit any serious or persistent breach of your obligations under this
          agreement; or

     (b)  refuse or neglect to comply with any lawful order or direction given
          by the

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          Company; or

     (c)  refuse or neglect to comply or give the Company reasonable grounds for
          believing you have refused or neglected to comply with the Company's
          policies on sexual harassment and drink and drugs;

     (d)  are guilty or the Company has reasonable grounds to believe you are
          guilty of any gross negligence, default or misconduct in connection
          with or affecting the business of the Company or any Group company; or

     (e)  conduct yourself in a manner prejudicial to the Company or any Group
          company; or

     (f)  are convicted of an offense or give the Company reasonable grounds for
          believing you are guilty of an offense (other than an offense which in
          the opinion of the Company does not affect your position within the
          Company); or

     (g)  become of unsound mind pursuant to any statute relating to mental
          health.

     You shall have no claim against the Company for damages by reason of
     termination of your employment by the Company in accordance with these Sub
     clauses.

19.  GARDEN LEAVE

     At any time after you or the Company has given notice to the other to
     terminate the employment in accordance with the terms of this Agreement or
     after you have purported to terminate the employment without giving full
     notice and the Company does not accept such resignation on such terms, the
     Company may require that during any such notice period or any part or parts
     of such notice period you do not enter or attend the premises of the
     Company ("Garden Leave"), and during any period of garden leave you must
     not do any of the following:

     (a)  undertake any work for any third party whether paid or unpaid and
          whether as an employee or otherwise;

     (b)  have any contact or communication with any client, customer or
          supplier of the Company;

     (c)  have any contact or communication with any employee, officer,
          director, agent or consult of the Company;

     During any period of Garden Leave the Company may require you to do any of
     the following:

     (a)  perform special projects or perform duties not within your normal
          duties

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          or perform some but not all of your normal duties;

     (b)  keep the Company informed of your whereabouts so that you can be
          contacted if the need arises for you to perform any duties under the
          Clause above.

     During any period of Garden Leave you will remain an employee of the
     Company and the employment shall continue (notwithstanding that you have
     resigned as a board director or from any offices of the Company and you are
     not entitled to become employed or engaged by any other company,
     partnership, person or entity in any capacity (whether paid or unpaid). You
     will continue to be paid salary and be provided with contractual benefits
     during any period of Garden Leave in the usual way (save that you will not
     be entitled to receive any bonus or commission during or in respect of such
     periods).

20.  RESTRICTIVE COVENANTS

     20.1 You hereby agree that for a period of 6 months following termination
     of your employment you will not directly or indirectly whether on your own
     account or jointly in association with or on behalf of any third party: in
     the Restricted Area and in competition with the Company or any relevant
     Group company:

     (a)  solicit, canvas or endeavor to obtain business relating to the market
          research business from any person, firm or corporation who was a
          client or customer or potential client of the Company or any Group
          company at the date of termination of your employment and with whom
          you were in the habit or dealing in the 12 months preceding
          termination of your employment;

     (b)  deal with, accept orders or business relating to the market research
          business from any person, firm or corporation who was a client or
          customer or potential client or customer of the Company or any Group
          company at the date of termination of your employment and with whom
          you were in the habit of dealing in the 12 months preceding
          termination of your employment;

     (c)  solicit or entice away or procure employment for, or endeavour to
          solicit or entice away or procure employment for, any employee of the
          Company or any Group company in an executive, managerial, or sales
          capacity employed by the Company or any Group company at the date of
          termination of your employment and with whom you had material contact
          by virtue of your employment;

     (d)  use, recollect or seek to duplicate any customer base or subscription
          based used by the Company or any Group company.

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     20.2 At any time after termination represent yourself as being in any way
          connected with or interested in the business of the Company or any
          Relevant Group company.

     20.3 Each of the obligations contained in clause 20.1 above is an entirely
          separate and independent restriction on you, despite the fact that it
          may be contained in the same phrase or sub-clause, and if any part is
          found to be unenforceable the remainder will remain valid and
          enforceable. The restrictions are considered by you and the Company to
          be reasonable, but in the event that any such restriction is held to
          be void or ineffective but would be valid and effective if some part
          thereof were deleted such restriction shall apply with such
          modification as may be necessary to make it valid and effective.

     20.4 For the purposes of this clause the following definitions apply:

          "Restricted Area" means UK or anywhere in the world in which the
          Company undertakes or is planning to undertake a significant business
          operation at the date of termination;

          "Relevant Group Company" means any group company for which you have
          worked or performed services or in which you have held office during
          the twelve months immediately prior to the termination (and if
          applicable their predecessors in business during such twelve month
          period);

          "Termination" means the termination of employment.

21.  SERVICE OF NOTICE

     Any notice required to be given under this agreement shall be in writing
     and shall be deemed served if it is personally delivered to or sent by
     first class registered post to the last known address of the other party.
     Any notice so posted shall be deemed served upon the second day following
     that on which it was posted.

These provisions are considered reasonable by the parties in all circumstances
at date hereof.

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22.  RETURN OF COMPANY PROPERTY

     Upon termination of your employment you shall immediately return to the
     Company any and property including without limitation any Confidential
     Information (as defined in Clause 6 of this Agreement) files, reports,
     analyses, charts, records, materials, drawings, computer hardware or
     software, keys, credit cards, petrol cards, etc. and any copies of the
     same, belonging or relating to the Company or any Group company or its or
     their business associates which you made or received during the course of
     your employment with the Company and which are in your possession or under
     your control.

23.  DISCIPLINARY PROCEDURE

     You are referred to the Company's Disciplinary Policy as set out in the
     Company's staff handbook as amended from time to time, the terms of which
     do not form part of your contract of employment.

24.  GRIEVANCE PROCEDURE

     If you have a grievance relating to your employment you should raise the
     matter initially with your manager. When stating any grievance you may be
     accompanied by a fellow employee of your choice. You may be required to put
     any such grievance in writing.

25.  COLLECTIVE AGREEMENTS

     There are no collective agreements which directly affect the terms and
     conditions of your employment.

26.  WHOLE AGREEMENT

     This agreement constitutes the whole agreement between you and the Company
     and supersedes and cancels any prior agreement between you and the Company.

27.  GOVERNING LAWS

     This agreement shall be governed by the laws of England and Wales.

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In witness whereof the Parties hereto have signed this agreement the day and
year written.

Signed by, for and on behalf
Of O.R.C. International Ltd.        /s/ John F. Short             12/12/01
                                   --------------------          ----------

Signed by the Employee              /s/ Nigel Maxfield            12/12/01
                                   --------------------          ----------

In the presence of                     /s/Jim Burke               12/12/01
                                   --------------------          ----------

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                                                                   Exhibit 10.21

                 CONSENT AND NINTH AMENDMENT TO CREDIT AGREEMENT

     This CONSENT AND NINTH AMENDMENT TO CREDIT AGREEMENT (this "Amendment") is
effective as of February 10, 2003 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 collectively referred to herein
as the "Borrowers" and individually as a "Borrower"), the Subsidiaries of
Borrowers party hereto, 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 Borrowers are parties to a certain Credit
Agreement dated as of 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 in 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)  Section 1.1(B)(1) of the Credit Agreement is amended by deleting the
first sentence and substituting the following therefor:

          "Each Lender agrees, severally and not jointly, to lend to Borrowers
from the Closing Date to the Expiry Date its Pro Rata Share of the loans
requested by Parent, on behalf of Borrowers, to be made by Lenders under this
subsection 1.1(B), up to an aggregate maximum for all Lenders of $16,500,000 (as
the same may be reduced and otherwise in effect from time to time hereunder, the
"Revolving Loan Commitment")."

The parties hereto hereby agree that the effect of the foregoing amendment is to
cause an immediate reduction of the Revolving Loan Commitment, effective as of
the date hereof, from $19,000,000 to $16,500,000. In furtherance of the
provisions of this Section 2(a), the parties hereto hereby agree that each
Lender's commitment to make Revolving Loans shall be amended and restated,
effective as of the date hereof, as set forth on Schedule 1 hereto. The parties
hereto hereby agree that the defined term "Pro Rata Share" set forth in

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Section 10.1 of the Credit Agreement shall be deemed to be amended in all
relevant respects to give effect to the terms of the preceding sentence.

     (b)  The definition of "Base Rate Margin" in Section 1.2(A) of the Credit
Agreement shall be amended in its entirety and as so amended shall read as
follows:

     "Base Rate Margin" shall mean, as of February 10, 2003, two and one-half
percent (2.50%) per annum.

     (c)  The definition of "LIBOR Margin" in Section 1.2(A) of the Credit
Agreement shall be amended in its entirety and as so amended shall read as
follows:

     "LIBOR Margin" shall mean, as of February 10, 2003, three and
three-quarters percent (3.75%) per annum.

     (d)  Section 4.3 of the Agreement shall be amended by (i) deleting the
dollar amount "$17,750,000" set forth opposite the testing date June 30, 2003
and inserting in lieu thereof the dollar amount "$15,000,000", (ii) deleting the
dollar amount "$17,750,000" set forth opposite the testing date September 30,
2003 and inserting in lieu thereof the dollar amount "$15,500,000" and (iii)
deleting the dollar amount "$18,750,000" set forth opposite the testing date
December 31, 2003 and inserting in lieu thereof the dollar amount "$16,000,000".

     (e)  Subsection (B) of Section 4.4 of the Agreement shall be amended in its
entirety and as so amended shall read as follows:

     "(B) Borrowers shall not permit Fixed Charge Coverage for any twelve (12)
month period ending on the last day of any calendar quarter to be less than: (i)
1.05 for each of the calendar quarters ending March 31, 2002, June 30, 2002,
September 30, 2002, December 31, 2002, March 31, 2003, June 30, 2003, September
30, 2003, (ii) 1.10 for the calendar quarter ending December 31, 2003 and (iii)
1.20 for any other calendar quarter."

     3.   Consent. Borrowers have informed Agent and Lenders that Social and
Health Services, Ltd., a Maryland corporation and indirect wholly-owned
Subsidiary of Borrowers ("SHS"), has created ORC Telecommunications Ltd., a
Maryland corporation and wholly-owned Subsidiary of SHS ("ORC Telecom"). Please
be advised that the Agent and Requisite Lenders hereby consent to the creation
of ORC Telecom, provided (A) ORC Telecom shall only be permitted to be
capitalized with cash proceeds in an amount not to exceed $100,000 contributed
to ORC Telecom by SHS on or prior to the date hereof, (B) ORC Telecom shall only
be permitted to engage in the business of (i) maintaining its corporate
existence and matters related thereto and (ii) leasing equipment and software
pursuant to that certain Lease dated as of _______________, ____ between ORC
Telecom and Avaya, Inc. together with matters related thereto, (C) Borrowers and
their Subsidiaries shall execute, acknowledge and deliver or shall cause to be
done, executed, acknowledged and delivered, all such acts, documents and
instruments as reasonably may be required by Agent in order to effectuate fully
the consent provided for herein (including, without limitation, the execution of
all documents, instruments

                                        2

<PAGE>

and agreements described in subsections 2.5(A) and 2.5(B) of the Credit
Agreement), and (D) the Subordinated Lender shall have consented to the creation
of ORC Telecom by SHS and to the terms and conditions of this Amendment to the
extent it has the right to do so.

     The foregoing consent is specifically limited in time and scope to the
individual occurrences described above and shall not be deemed to extend or
apply to any other event or occurrence in existence as of the date hereof
(including, without limitation, any event or occurrence not listed on any
Schedule to the Credit Agreement) or arising hereafter.

     4.   Additional Covenants. Borrowers hereby covenant and agree as follows:

     (a)  In the event that (i) an Event of Default occurs under Section 6.1(A)
or (ii) Borrowers breach any of the financial covenants as set forth in Sections
4.1, 4.3, 4.4, 4.5, 4.6, and 4.7 of the Agreement, within forty-five (45) days
after (A) an Event of Default occurs under Section 6.1(A) or (B) the financial
statements for the respective period set forth in clause (ii) above are required
to be delivered pursuant to Section 4.8 of the Agreement, the Borrower shall:

          (x)  engage, at Borrower's expense, an investment banker selected by
     Borrowers and acceptable to Agent and the Requisite Lenders, for the
     purpose of conducting the sale of ORC ProTel, Inc. Within such time period,
     the Agent, Requisite Lenders, and Borrowers shall agree upon a mutually
     satisfactory timeline for completing such sale, including, without
     limitation, establishing milestone dates for, among other things,
     completing marketing materials, soliciting bids, completing due diligence
     and establishing closing dates; or

          (y)  engage, at Borrower's expense, a consultant or financial advisor
     selected by Borrowers and acceptable to Agent and Requisite Lenders (the
     "Advisor"), to, among other things: analyze the business and operations of
     Borrowers and their Subsidiaries, identify cost cutting measures, conduct
     analysis of United States market research business, and formulate a plan
     for effectuating such measures (collectively, the "Plan"). Borrowers shall
     cause the Advisor to prepare and issue the Plan and to deliver to Agent and
     Lenders a copy thereof within thirty (30) days after the Advisor is
     engaged. Promptly thereafter, Borrowers, Agent, and Lenders shall meet to
     review and discuss the Plan, after which Borrowers shall promptly and with
     due diligence implement the recommendations set forth in such plan.

          The foregoing shall not limit or impair any rights, privileges and/or
     remedies available to Agent and Lenders under the Loan Documents and
     applicable law as a result of any such Event of Default, all of which are
     expressly reserved.

     (b)  Not later than May 1, 2003, Borrower shall obtain and deliver to Agent
a report of an independent collateral auditor satisfactory to Agent (which may
be, or be affiliated with, a Lender) with respect to the accounts and inventory
of the Borrowers (including verification with

                                        3

<PAGE>

respect to the amount, aging, identity and credit of the respective account
debtors and the billing practices of Borrower and verification as to the value,
location and respective types of inventory).

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

     (a)  Borrowers 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 (including, without limitation, true, complete and
correct copies of fully executed documents amending the Subordinated Loan
Agreement in form and substance acceptable to Agent and Required Lenders);

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

     (d)  The representations and warranties set forth in Section 5 below are
true, correct and complete; and

     (e)  Borrowers shall have paid to Agent a non-refundable amendment fee in
the amount of 0.50% of the "Aggregate Commitment", such amendment fee to be
shared by the Lenders who have executed this Amendment pro rata based on each
Lender's respective share of the Aggregate Commitment (for purposes of this
clause (e), "Aggregate Commitment" shall mean, with respect to the Lenders who
have executed this Amendment, the aggregate Revolving Loan Commitment of such
Lenders plus the outstanding principal amount of Term Loans of such Lenders, in
each case as in effect on the date hereof.)

     6.   Representations and Warranties. To induce Agent and Lenders to enter
into this Amendment, each of the Borrowers 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 such
Borrower and that this Amendment has been duly executed and delivered by such
Borrower; and

     (b)  that each of the representations and warranties set forth in the
Agreement and the Subordinated Loan Agreement (in each instance, 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.

     7.   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.

                                        4

<PAGE>

     8.   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.

     9.   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.

     10.  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.

     11.  Reaffirmation. Each Loan Party party hereto has executed and delivered
one or more of the Security Documents and/or the other Loan Documents as debtor,
grantor, pledgor, guarantor, assignor, or in other similar capacities in which
such Person has granted liens or security interests in their respective
properties or otherwise acted as an accommodation party or guarantor, as the
case may be. Each Loan Party party hereto hereby ratifies and reaffirms all of
its respective payment and performance obligations, contingent or otherwise,
under the Security Documents and any other Loan Documents to which it is a party
and, to the extent any such Person has granted liens on or security interests in
any of their respective properties pursuant to any of the Security Documents or
any of the other Loan Documents as security for or otherwise guaranteed the
Obligations under or with respect to the Agreement or any other Loan Documents,
hereby ratifies and reaffirms such payment and performance obligations,
guarantee and grant of security interests and liens and confirms and agrees that
such security interests and liens hereafter secure all of the Obligations. Each
Loan Party party hereto agrees that each of the Security Documents and each
other Loan Document remains in full force and effect and is hereby ratified and
reaffirmed, and agrees that the Amendment shall not (i) operate as a waiver of
any right, power or remedy of Agent or Lenders under the Loan Documents or (ii)
constitute a waiver of any provision of any of the Loan Documents or serve to
effect a novation of the Obligations.

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

                                        5

<PAGE>

     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.

AGENT and LENDERS:                      BORROWERS:

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

By:  /s/ Luis Acosta                    By: /s/ Douglas L. Cox
   -----------------------------           -----------------------------------
Name:  Luis Acosta                      Name:  Douglas L. Cox
     ---------------------------             ---------------------------------
Title: Senior Vice President            Title: Executive Vice President
      --------------------------              --------------------------------

FLEET NATIONAL BANK,                    ORC INC.,
as a Lender                             a Delaware corporation

By: /s/ Kenneth R. Geiger               By: /s/ Kevin P. Croke
   -----------------------------           -----------------------------------
Name: Kenneth R. Geiger                 Name: Kevin P. Croke
     ---------------------------             ---------------------------------
Title: Managed Assets Officer           Title: President
      --------------------------              --------------------------------

WACHOVIA BANK, NATIONAL ASSOCIATION,
as a Lender

By:  /s/ Daniel Evans
   -----------------------------
Name:  Daniel Evans
     ---------------------------
Title: Managing Director
      --------------------------

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

By:  /s/ Randall Meck
   -----------------------------
Name:  Randall Meck
     ---------------------------
Title: Vice President
      --------------------------

PNC BANK, NATIONAL ASSOCIATION,
as a Lender

By:  /s/ Jeffrey A. Blakemore
   -----------------------------
Name:  Jeffrey A. Blakemore
     ---------------------------
Title: Senior Vice President
      --------------------------

                       [signatures continued on next page]

Consent and Ninth Amendment to Credit Agreement

<PAGE>

SUBSIDIARIES:

ORC TELESERVICE CORP.,
a Delaware corporation

By:  /s/ Kevin P. Croke
   -----------------------------
Name:  Kevin P. Croke
     ---------------------------
Title: Secretary
      --------------------------

ORC PROTEL, INC.,
a Delaware corporation

By:  /s/ Kevin P. Croke
   -----------------------------
Name:  Kevin P. Croke
     ---------------------------
Title: Secretary
      --------------------------

MACRO INTERNATIONAL INC.,
a Delaware corporation

By:  /s/ Douglas L. Cox
   -----------------------------
Name:  Douglas L. Cox
     ---------------------------
Title: Secretary
      --------------------------

SOCIAL AND HEALTH SERVICES, LTD.,
a Maryland corporation

By:  /s/ Kevin P. Croke
   -----------------------------
Name:  Kevin P. Croke
     ---------------------------
Title: Secretary
      --------------------------

Consent and Ninth Amendment to Credit Agreement

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