Document:

<PAGE>

                     FOURTH AMENDMENT TO CREDIT AGREEMENT
                     ------------------------------------

        This Fourth Amendment to Credit Agreement ("Amendment"), dated May 23,
2000, is entered into by and among PNC Bank, National Association ("Bank"), RMH
Teleservices, Inc. ("Borrower"), and RMH Teleservices International, Inc.
("Surety").

                                  Background
                                  ----------

        A.   Borrower and Bank are parties to a certain letter agreement, dated
March 21, 1997 (as amended, supplemented, replaced, restated or otherwise
modified from time to time, "Credit Agreement"), pursuant to which Bank
established for the benefit of Borrower a line of credit in the maximum
aggregate principal amount of Fifteen Million Dollars ($15,000,000). Capitalized
terms used but not otherwise defined in this Amendment shall have the meanings
given to such terms in the Credit Agreement.

        B.   Bank and Borrower desire to modify the terms and conditions of the
Credit Agreement as more fully set forth herein.

                             Terms and Conditions
                             --------------------

        NOW, THEREFORE, with the foregoing background hereinafter incorporated
by reference, the parties hereto, intending to be legally bound, hereby covenant
and agree as follows:

        1.    Base Rate Option: The Credit Agreement is hereby amended by
              ----------------
deleting Subsection 2(i) in its entirety and replacing it with the following:

              i.    Base Rate Option. A rate of interest per annum (computed on
                    ----------------
        the basis of a year of 360 days and the actual number of days elapsed)
        equal to rate of interest announced from time to time by Bank at its
        principal office as its prime rate, which rate may not be the lowest
        interest rate then being charged commercial borrowers by Bank (the
        "Prime Rate") minus three quarters of one percent (0.75%). If and when
                      -----
        the Prime Rate changes, the rate of interest on the principal of the
        Line of Credit bearing interest under the Base Rate Option will change
        automatically without notice to Borrower, effective on the date of any
        such change.

       2.    Negative Covenants: The Credit Agreement is hereby amended by
             ------------------
deleting Subsections III (b) and III(f) of Exhibit "A" in their entirety and
replacing them with the following:

                    (b)  Borrower will not, nor suffer or permit any Subsidiary
                         to,

<PAGE>

     create, incur, guarantee, endorse (except endorsements in the course of
     collection), assume or suffer to exist any indebtedness, except: (i)
     indebtedness to the Bank, (ii) open account trade debt incurred in the
     ordinary course of business, (iii) other indebtedness disclosed on the
     Borrower's latest Financial Statements which have been provided to the Bank
     prior to the date of this letter, (iv) purchase money indebtedness
     (including capitalized lease obligations) incurred for the acquisition of
     fixed assets, limited in amount to $500,000 at any time outstanding in
     the aggregate for Borrower and all Subsidiaries, (v) indebtedness of
     Borrower to Subsidiaries, as evidenced by that certain Subordinated
     Promissory Note, dated September 30, 1996, executed by Borrower to
     Teleservices Management Company in the original principal amount of
     $37,448,600 and that certain Subordinated Promissory Note, dated October
     16, 1997 executed by Borrower to Teleservices Technology Company in the
     original principal amount to of $1,010,000, provided such indebtedness is
     subordinated to the indebtedness of Borrower to Bank, subject to payment
     terms and subordination provisions acceptable to Lender, in its sole
     discretion, or (vi) indebtedness of Borrower to Her Majesty the Queen in
     right of the Province of New Brunswick, as requested by the Minister of
     Economic Development, Tourism and Culture ("MEDTC") in a principal amount
     not to exceed $5,000,000 (Canadian Dollars), such amount to be forgiven at
     the rate of $5,000 (Canadian dollars) (plus accrued interest) for each new
     full time employee position established by Borrower at the Canadian
     facility, pursuant to the terms of that certain Loan Agreement, dated March
     31, 1999, by and between Borrower and MEDTC, as amended, supplemented,
     restated, replaced or otherwise modified from time to time, with the
     remaining principal balance and accrued but unpaid interest to be due and
     payable on March 31, 2003; provided that Borrower shall make no monetary
     repayment to MEDTC for such indebtedness prior to the above listed maturity
     date.

               (f)   Subject to Subsection (a) above, Borrower and each of its
     subsidiaries will not incur, create or assume any commitment to make any
     direct or indirect payment, whether rent or otherwise, under any lease
     rental or other arrangement for the use of real or personal property,
     except for: (i) operating leases with Bank or its affiliates, or (ii)
     operating leases with other parties so long as the aggregate outstanding
     obligations, direct or indirect, due or to become due, under all such
     leases does not exceed $9,500,000.

     3.   Representations and Warranties: Borrower and Surety each represents
          ------------------------------
and warrants to Bank that:

          (a)   the execution, delivery and performance by Borrower and Surety
of this Amendment and the transactions contemplated herein: (i) are and will be
within corporate powers of Borrower and Surety; (ii) have been authorized by all
necessary corporate action; (iii) are not and will not be in contravention of
any order of any court or other agency of

                                                                          Page 2

<PAGE>

government, or of any law to which Borrower or Surety or any property of
Borrower or Surety is bound; and (iv) are not and will not be in conflict with,
or result in a breach of or constitute (with due notice and/or lapse of time) a
default under the articles of incorporation or bylaws or any indenture,
agreement or undertaking to which Borrower or Surety is a party or by Borrower
or Surety or property of Borrower or Surety is bound;

          (b)  this Amendment and any other agreements, instruments or documents
executed and/or delivered in connection herewith, shall be valid, binding and
enforceable against Borrower and Surety, in accordance with their respective
terms;

          (c)  each of the representations and warranties contained in, and each
of the exhibits and/or schedules attached to, the Credit Agreement, as amended
hereby, and all related agreements, instruments and documents are true and
correct as of the date hereof as to Borrower and Surety, as applicable;

          (d)  no Event of Default and no event which, with the passage of
time, giving of notice, or both, would become an Event of Default under the
Credit Agreement, has occurred or is existing.

     4.   Confirmation of Indebtedness: Borrower ratifies and reaffirms all of
          ----------------------------
its obligations to Bank under the Credit Agreement and related agreements,
instruments and documents and agrees that the same are owing to Bank without any
deduction, defense, setoff, claim or counterclaim, of any nature.

     5.   Reaffirmation by Surety: Surety, by its execution of this Amendment,
          -----------------------
hereby unconditionally consents to the terms and conditions of this Amendment
and the transactions contemplated herein. Surety further reaffirms its
obligations under its surety agreement in favor of Bank and acknowledges and
agrees that it continues to be liable as surety for all of the liabilities,
debts and obligations of Borrower to Bank under the Credit Agreement, as amended
hereby. Surety further confirms and agrees that the execution and delivery of
this Amendment does not in any way impair any obligations of Surety to Bank
under its surety agreement and that the terms and conditions of such surety
agreement remain unchanged and in full force and effect and that such surety
agreement constitutes the valid, binding and enforceable obligation of Surety,
in accordance with its terms, without any deduction, defense, setoff, claim or
counterclaim, of any nature.

     6.   Conditions to Closing: The obligation of Bank to enter into this
          ---------------------
Amendment are subject to, and this Amendment shall become effective upon
("Effective Date"), the following conditions having been satisfied in full to
the complete satisfaction of Bank:

          (a)  Borrower shall have delivered to Bank the following documents
(all to be in form and substance acceptable in all respects to Bank):

                                                                          Page 3
<PAGE>

          (i)    this Amendment properly executed by Borrower and Surety;

          (ii)   a certificate from the chief financial officer of Borrower
certifying, as of the Effective Date, (A) that all of the conditions specified
in this Section have been fulfilled, and (B) that there has not occurred any
material adverse change, in the operations, condition (financial or otherwise)
and business prospects of Borrower since November 24, 1999;

          (iii)  a certificate from the secretary of Borrower certifying, as of
the Effective Date, (A) that the articles or certificate of incorporation and
bylaws of such Borrower, copies of which were all previously delivered to Bank
remain in full force and effect on the date hereof and have not been amended,
supplemented, revoked, repealed or otherwise modified since the delivery to Bank
of such organizational documents, except by those amendments which were
previously delivered to Bank or attached to such certification, and (B) copies
of resolutions adopted by the board of directors of such Borrower authorizing
the execution of this Amendment and any other agreement, instrument or other
document required to be executed and/or delivered by such Borrower under any
section hereof and authorizing the performance of the transactions contemplated
herein;

          (iv)   a certificate of incumbency from the secretary of Borrower
identifying, as of the Effective Date, the names and titles of the officers of
Borrower authorized by specific resolution adopted by the board of directors of
Borrower to execute this Amendment and related agreements, instruments or other
documents, along with specimen signatures of such officers; and

          (v)    a certificate from the secretary of Surety certifying, as of
the Effective Date, (A) that the articles or certificate of incorporation and
bylaws of such Surety, copies of which were all previously delivered to Bank
remain in full force and effect on the date hereof and have not been amended,
supplemented, revoked, repealed or otherwise modified since the delivery to Bank
of such organizational documents, except by those amendments which were
previously delivered to Bank or attached to such certification, and (B) copies
of resolutions adopted by the board of directors of such Surety authorizing the
execution of this Amendment and any other agreement, instrument or other
document required to be executed and/or delivered by such Surety under any
section hereof and authorizing the performance of the transactions contemplated
herein;

          (vi)   a certificate of incumbency from the secretary of Surety
identifying, as of the Effective Date, the names and titles of the officers of
Surety authorized by specific resolution adopted by the board of directors of
Surety to execute this Amendment and related agreements, instruments or other
documents, along with specimen signatures of such officers; and

          (vii)  such other agreements, instruments, and documents required to
be executed and/or delivered under any provision of the Credit Agreement, as
amended hereby, or as Bank may reasonably determine to carry out the intentions
of parties hereunder;

                                                                        Page   4

<PAGE>

          (b)  no Event of Default and no event or condition which, with the
passage of time, the giving of notice, or both, would constitute an Event of
Default under the Credit Agreement, has occurred or is existing; and

          (c)  payment or reimbursement by Borrower of all fees owing to Bank
and Expenses (including, without limitation, attorneys' fees) incurred by Bank
to analyze, prepare and negotiate and conclude this Amendment and all related
agreements and transactions described herein.

     7.   Non-Waiver: This Amendment does not and shall not be deemed to
          ----------
constitute a waiver by Bank of any breach or violation of any representation,
warranty or covenant made or agreed to by Borrower under the Credit Agreement,
as amended hereby, and all claims and rights of Bank resulting from any such
breach or violation are expressly reserved by Bank.  This Amendment does not
obligate Bank to agree to any further extension or any other modification of
the Credit Agreement nor does it constitute a course of conduct or dealing on
behalf of Bank or a waiver of any other rights or remedies of Bank. No omission
or delay by Bank in exercising any right or power under this Amendment or any
related instruments, agreements or documents will impair such right or power or
be construed to be a waiver of any default or Event of Default or an
acquiescence therein, and any single or partial exercise of any such right or
power will not preclude other or further exercise thereof or the exercise of any
other right, and no waiver will be valid unless in writing and then only to the
extent specified.

     8.   Incorporation: This Amendment (including, without limitation, any
          -------------
covenants contained herein) shall amend, and is incorporated into and made part
of, the Credit Agreement. All references to the Credit Agreement contained in
the Credit Agreement or other Loan Documents shall be deemed, for all purposes,
to refer to the Credit Agreement as amended hereby. To the extent that any term
or provision of this Amendment is or may be deemed expressly inconsistent with
any term or provision in the Credit Agreement, the terms and provisions hereof
shall control. Except as expressly amended by this Amendment, all of the terms,
conditions and provisions of the Credit Agreement are hereby ratified and
continue unchanged and remain in full force and effect.

     9.   No Modification: No modification of this Amendment or of any agreement
          ---------------
referred to herein shall be binding or enforceable unless in writing and signed
on behalf of the party against whom enforcement is sought.

     10.  Headings: The headings of any section or paragraph of this Amendment
          --------
are for convenience only and shall not be used to interpret any provision of
this Amendment.

     11.  Successor and Assigns: This Amendment will be binding upon and inure
          ---------------------
to the benefit of the parties hereto and their respective heirs, executors,
administrators, successors and assigns.

                                                                          Page 5

<PAGE>

     12.  Governing Law: This Amendment shall be governed by, and construed and
          -------------
enforced in accordance with the laws of the Commonwealth of Pennsylvania,
excluding its conflict of laws rule.

     13.  Severability: The provisions of this Amendment are to be deemed
          ------------
severable, and the invalidity or unenforceability of any provision shall not
affect or impair the remaining provisions which shall continue in full force and
effect.

     14.  Execution by Counterparts and Facsimile: This Amendment may be
          ---------------------------------------
executed in any number of counterparts, each of which when so executed shall be
deemed to be an original and all of which taken together shall constitute one
and the same agreement. Signature by facsimile shall also bind the parties
hereto.

                     [SIGNATURES CONTAINED ON NEXT PAGE]

                                                                          Page 6

<PAGE>

     IN WITNESS WHEREOF, the undersigned, intending to be legally bound, execute
this Amendment on the date first above written.

                                 BANK:
                                 -----

                                   PNC Bank, National Association

                                   By: /s/ Karen Shoener
                                       ------------------------------------
                                   Name:   KAREN SHOENER
                                   Title:  VP

                                 BORROWER:
                                 ---------

                                   RMH Teleservices, Inc.

                                   By: /s/ Noah Asher
                                       ------------------------------------
                                   Name:  NOAH ASHER
                                   Title: CFO

                                 SURETY:
                                 ------

                                   RMH Teleservices International, Inc.

                                   By: /s/ Robert M Berwanger
                                       ------------------------------------
                                   Name: ROBERT BERWANGER
                                   Title:

                                                                        Page S-1<PAGE>

[LOGO] Human Resources      Developpement des           File no. U 4 5 3 4 3 - 7
       Development Canada   ressources humaines Canada           - - - - - - - -

       TARGETED WAGE SUBSIDIES                         Options/S.S.A./S.A. 9 3 6
                                                                           - - -

These Articles of Agreement are made as of 8/th/ day of May, 2000.

BETWEEN:                      The Canada Employment Insurance Commission
                              (hereinafter referred to as the "COMMISSION")

                              112 N. Christina Street
                         -----------------------------------------------------
                              Sarnia, Ontario N7T 5T6
                         -----------------------------------------------------
                           RMH Teleservices International Inc.
                         -----------------------------------------------------
AND:                          (hereinafter referred to as the "EMPLOYER")

                              1086 Modeland Road
                         -----------------------------------------------------
                                 Sarnia, Ont
                         -----------------------------------------------------
                                  N7T 7K7
                         -----------------------------------------------------

WHEREAS the EMPLOYER proposes to hire the individuals listed in Schedule A of
this agreement and provide them with work activities described in the said
Schedule A;

AND WHEREAS the EMPLOYER is eligible for financial assistance towards the costs
of these activities under the Targeted Wage Subsidies Employment Benefit, which
has been established by the COMMISSION pursuant to Part II of the Employment
Insurance Act;

AND WHEREAS the COMMISSION wishes to encourage employers to hire individuals
facing barriers to finding employment;

The COMMISSION and the EMPLOYER undertake and agree as follows:

1.0  AGREEMENT

1.1  The following documents and any amendments thereto form the agreement
     between the COMMISSION and the EMPLOYER

     (delete those which do not apply)

     a)   these Articles of Agreement;

     b)   the document attached hereto as Schedule A;

     c)   the document attached hereto as Schedule D.

2.0  INTERPRETATION

2.1  Unless the context requires otherwise, the expressions listed below have
     the following meanings for the purposes of this agreement:

     a)   "funding period" refers to the period described in Schedule A, Page 1,
          Boxes 22 - 26, entitled "Duration of Activity";

     b)   "activities" is defined as the activities described in Schedule A,
          Page 1;

     c)   "eligible costs" are the costs of participant wages and the employer's
          share of employment related costs for participants and overhead costs
          related to the special needs of disabled participants only.

3.0  CONTRIBUTION

3.1  Subject to the terms and conditions of this agreement, the COMMISSION
     agrees to make a contribution to the EMPLOYER of an amount equal to the
     lesser of:

     a)   100 percent of the eligible costs, and

     b)   the contribution amount set out in Schedule A, Page 2, Box 62.

3.2  Notwithstanding section 3.1, the COMMISSION may, in its absolute
     discretion, reduce the amount of its commitment under paragraph 3.1 b) if

     a)   the funding period extends into more than one fiscal year of Canada
          (April 1 of one year to March 31 of the following year), and

     b)   in the plan approved by the Treasury Board under section 78 of the
          Employment Insurance Act for any fiscal year during the funding period
          following the first fiscal year, there is a reduction in the estimate
          of the amount of financial assistance to be paid out for that fiscal
          year under section 61 of the Employment Insurance Act for the purpose
          of implementing Employment Benefits and Support Measures.

3.3  Where, pursuant to section 3.2, the COMMISSION intends to reduce the amount
     of its commitment under paragraph 3.1 b), it shall give the EMPLOYER 2
     weeks notice of its intention to do so.

3.4  Where, as a result of a reduction in funding under section 3.2, the
     EMPLOYER is unable or unwilling to complete the agreement, the EMPLOYER
     may, upon notice to the COMMISSION, terminate the agreement.

<PAGE>

                                      -2-

4.0  TERMS OF PAYMENT

4.1  Subject to section 4.4, the COMMISSION will make progress payments on
     account of the contribution following receipt and verification of claims
     for reimbursement submitted by the EMPLOYER. The claims shall be submitted
     on claim forms approved by the COMMISSION and shall be accompanied by such
     substantiating documentation as the COMMISSION may require.

4.2  Each claim for reimbursement shall also be accompanied by an Activities
     Report, reporting on the progress of the work activities during the period
     in respect of which the claim is being made.

4.3  Unless otherwise authorized by the COMMISSION, no claim submitted by an
     EMPLOYER under section 4.1 shall be for a period less than 30 days or
     greater than 90 days.

4.4  Payments will be made (check one only) [_] monthly [X] quarterly, herein
     referred to as the payment period.

4.5  Where the EMPLOYER is unable to carry out the work without payment of
     advances of the contribution, the COMMISSION may, in its discretion, make
     advance payments on account of the contribution as follows:

     a)   the COMMISSION will make advances of its estimated contribution for
          each payment period of the work period, based upon a forecast
          submitted by the EMPLOYER, satisfactory in scope and detail, of its
          cash flow requirements;

     b)   before making the advance for the third payment period of the work
          period, the EMPLOYER shall furnish the COMMISSION with a satisfactory
          accounting of the advance for the first payment period. The advance
          for the third payment period will be based upon

          i)   a reconciliation between the substantiated costs for the first
               payment period, and the advance for that payment period, and

          ii)  the estimated costs to be incurred and paid by the EMPLOYER for
               the third payment period, as per the forecast of cash flow
               requirements for that payment period;

     c)   advances for each subsequent payment period will be processed in a
          fashion similar to that described in paragraph (b), except that the
          COMMISSION may withhold final payment of up to 10% of the total
          estimated amount of the contribution until after

          i)   completion of the project period

          ii)  receipt and verification of a final claim for the balance due,
               and receipt of the final Activities Report, and

          iii) if required by the COMMISSION, completion of an audit of the
               books, accounts and records of the EMPLOYER.

4.6  Where quarterly advances are being made to the EMPLOYER under section 4.4,
     the COMMISSION may, at any time and in its absolute discretion, by notice,
     alter the frequency of such advance payments and change them to a monthly
     basis.

4.7  Any interest earned on advances of the COMMISSION's contribution shall be
     accounted for by the EMPLOYER. Such interest shall be deemed to be part
     payment of the contribution and shall be taken into account in the
     calculation of the final payment by the COMMISSION, or repayment by the
     EMPLOYER, as may be appropriate in the circumstances.

4.8  In the event payments made to the EMPLOYER (including any interest earned
     on advances that is deemed to be part payment of the contribution under
     section 4.7) exceed the amounts to which the EMPLOYER is properly entitled
     under this agreement, the amount of such excess is a debt owing to the
     COMMISSION and shall be promptly repaid to the COMMISSION upon receipt of
     notice to do so.

4.9  The COMMISSION may withhold payment of any claim or advance pending the
     completion of an audit of the EMPLOYER's books and records conducted either
     by the COMMISSION or by an independent auditor pursuant to paragraph
     6.1(g).

4.10 Costs are eligible only if they are, in the opinion of the COMMISSION,

     a)   directly related to the agreement, and
     b)   reasonable.

4.11 Equipment purchase costs exceeding $ 0.00 require the prior written
     authorization of the COMMISSION.

4.12 The portion of the cost of any goods or services purchased by the EMPLOYER
     for which the EMPLOYER may claim a GST input tax credit or rebate is not
     eligible for reimbursement.

4.13 The portion of any cost in respect of which the EMPLOYER has, or is
     entitled to receive a contribution from another level of government or
     other source is not eligible for reimbursement.

5.0  REPRESENTATION AND WARRANTY

5.1  The EMPLOYER represents and warrants, and it is a condition of this
     agreement, that no participant has been hired to fill a position left
     vacant due to an industrial dispute at the EMPLOYER's premises, to fill the
     position of a worker who had been laid-off and is awaiting recall, or to
     displace another worker employed by the EMPLOYER.

5.2  In addition to any other remedy provided for under this agreement, if a
     representation and warranty referred to in section 5.1 is not true and
     accurate, the COMMISSION may require the EMPLOYER to forthwith repay as a
     debt owing to the COMMISSION the amount of the contribution paid towards
     the wage cost and the employer's share of employment related costs of the
     employee(s) in respect of whom the untrue and inaccurate representation and
     warranty was given.

5.3  The EMPLOYER further represents and warrants that all statements made to
     the COMMISSION in connection with its application for funding are true and
     all relevant facts have been disclosed.

<PAGE>

                                      -3-

6.0  OBLIGATIONS OF THE EMPLOYER

6.1  The EMPLOYER shall:

     a)   carry out and complete the activities in a diligent and professional
          manner, using qualified personnel;

     b)   upon request of the COMMISSION, produce any certificates, licences and
          other authorizations required for the carrying out of the activities
          in respect of the rules relating to the environment;

     c)   keep proper books, accounts and records, in accordance with generally
          accepted business and accounting practices, of the financial
          management of the activities;

     d)   make the books, accounts and records referred to in paragraph c)
          available at all reasonable times for inspection and audit by the
          representatives of the COMMISSION who shall be permitted to take
          copies and extracts from such books and records;

     e)   upon request provide the COMMISSION with such additional information
          as it may require with respect to such books, accounts and records;

     f)   preserve the books and records referred to in paragraph c) and keep
          them available for audit and inspection by representatives of the
          COMMISSION for a period of 6 years following the end of the funding
          period;

     g)   whenever the COMMISSION deems it necessary and so requests the
          EMPLOYER in writing, retain the services of a duly qualified
          accountant approved by the COMMISSION to carry out an audit of the
          books and records relating to the activities. The audit report shall
          certify:

          i)   the total actual expenditures on the eligible costs to date,

          ii)  the total payments of the COMMISSION's contribution to date,
               including the amount of interest that has accrued on any advances
               of the contribution,

          iii) that all expenditures, except as noted in the report, were in
               accordance with this agreement; and

     h)   within 30 days after completion of the audit report referred to in
          paragraph g), provide a copy of it to the COMMISSION.

6.2  The EMPLOYER shall disclose to the COMMISSION without delay any fact or
     event that the EMPLOYER is aware of from time to time which may compromise
     the EMPLOYER's chances of success in carrying out the activities either
     immediately or in the long term.

6.3  The EMPLOYER shall both during and following the term of this agreement
     indemnify and save the COMMISSION harmless from and against all claims,
     losses, damages, costs, expenses and other actions made, sustained,
     brought, threatened to be brought or prosecuted, in any manner based upon,
     occasioned by or attributable to any injury or death of a person, or loss
     or damage to property caused or alleged to be caused by any willful or
     negligent act, omission or delay on the part of the EMPLOYER or its
     employees or agents, participating employers or participants in connection
     with anything purported to be or required to be provided by or done by the
     EMPLOYER pursuant to this agreement or done otherwise in connection with
     the activity. This provision shall survive the termination of this
     agreement.

7.0  NEPOTISM

7.1  No contribution paid to any participant who is a member of the immediate
     family of the EMPLOYER, or, if the EMPLOYER is a corporation or
     unincorporated association, who is a member of the immediate family of an
     officer or a director of the corporation or unincorporated association, is
     eligible for reimbursement unless the COMMISSION is satisfied that the
     hiring of the participant was not the result of favouritism over the other
     qualified candidates by reason of membership in the immediate family of the
     EMPLOYER or officer or director of the EMPLOYER, as the case may be.

7.2  For the purposes of section 7.1, "immediate family" means father, mother,
     step-father, step-mother, foster parent, brother, sister, spouse (including
     common law spouse), child (including child of common law spouse), step-
     child, ward, father-in-law, mother-in-law, or relative permanently residing
     with the EMPLOYER, officer or director, as the case may be.

8.0  REPORTS AND INFORMATION

8.1  The EMPLOYER shall, upon request, provide the COMMISSION with progress
     reports, satisfactory to the COMMISSION in scope and detail, concerning the
     progress of the activities.

8.2  The EMPLOYER shall, upon request, arrange for representatives of the
     COMMISSION to have access to the EMPLOYER's premises where the activities
     are being carried out to monitor their progress.

9.0  DISPOSITION OF ASSETS

9.1  Upon completion of the agreement or termination of the agreement, the
     EMPLOYER agrees to dispose of, in such manner as the COMMISSION may direct,
     all physical assets purchased with contribution funds other than

     a)   any asset costing less than $250,

     b)   assets that have been physically incorporated into the premises of the
          EMPLOYER, and

     c)   assets that have been consumed or expended in carrying out the
          agreement.
<PAGE>

                                      -4-

 9.2 The EMPLOYER agrees that at the end of the funding period, or upon
     termination of this agreement, if earlier, and if directed to do so by the
     COMMISSION, any assets referred to in section 9.1 that have been preserved
     by it shall be

     a)   sold at fair market value and that the funds realized from such sale
          be applied to the eligible costs of the agreement to offset the
          COMMISSION's contribution to those costs;

     b)   turned over to another person or organization designated or approved
          by the COMMISSION; or

     c)   disposed of in any other manner as may be determined by the
COMMISSION.

10.0 DEFAULT

10.1 The following constitute Events of Default:

     a)   the EMPLOYER becomes bankrupt or insolvent, goes into receivership, or
          takes the benefit of any statute from time to time being in force
          relating to bankrupt or insolvent debtors;

     b)   an order is made or resolution passed for the winding up of the
          EMPLOYER, or the EMPLOYER is dissolved;

     c)   the EMPLOYER is in breach of the performance of, or compliance with,
          any term, condition or obligation on its part to be observed or
          performed pursuant to this agreement;

     d)   the EMPLOYER has submitted false or misleading information to the
          COMMISSION;

     e)   in the opinion of the COMMISSION, the EMPLOYER has failed to proceed
          diligently with the activities.

10.2 If

     a)   an Event of Default specified in paragraph 10.1 (a) or (b) has
          occurred; or

     b)   an Event of Default specified in paragraph 10.1 (c), (d) or (e) has
          occurred and has not been remedied within 15 days of receipt by the
          EMPLOYER of written notice of default, or a plan satisfactory to the
          COMMISSION to remedy such Event of Default has not been put into place
          within such time period:

     the COMMISSION may, in addition to any remedies otherwise available,
     immediately terminate by written notice any obligation to make any further
     contribution to the EMPLOYER. All eligible costs up to the date of
     termination will be paid by the COMMISSION, however.

10.3 In the event the COMMISSION gives the EMPLOYER written notice of default
     pursuant to paragraph 10.2(b), the COMMISSION may suspend any further
     payment under this agreement until the end of the period given to the
     EMPLOYER to remedy the Event of the Default.

10.4 The fact that the COMMISSION refrains from exercising a remedy it is
     entitled to exercise under this agreement shall not be considered to be a
     waiver of such right and, furthermore, partial or limited exercise of a
     right conferred upon the COMMISSION shall not prevent the COMMISSION in
     any way from later exercising any other right or remedy under this
     agreement or other applicable law.

11.0 NOTICE

11.1 Any notice, information or other document required to be given under this
     agreement shall be sent by regular mail, personal service, facsimile or
     registered mail. Any notice, information or document shall be deemed to
     have been received on delivery. Any notice, information or other document
     sent by facsimile shall be deemed to have been received one working day
     after it is sent. Any notice, information or other document sent by
     registered mail shall be deemed to have been received when it is signed
     for.

11.2 Any notice or correspondence shall be addressed to:

     In the case of the COMMISSION (insert name or title of official, address
     and fax number)

     Karen Hall-Voegelin
     112 N. Christina Street
     Sarnia, Ontario
     N7t 5T6
     Phone: 519-464-5068
     Fax:   519-464-5076
     email: karen.voegelin@hrdc-drhc.gc.ca

     In case of the EMPLOYER to the address shown on Schedule A of this
agreement.

12.0 EARLY TERMINATION

12.1 The COMMISSION or the EMPLOYER may terminate this agreement at any time
     without cause upon not less than 2 weeks written notice of intention to
     terminate.

12.2 In the event of a termination notice being given by the EMPLOYER under
     section 3.4 or 12.1 or by the COMMISSION under section 12.1

     a)   the EMPLOYER shall make no further commitments in relation to the
          activities and shall cancel or otherwise reduce, to the extent
          possible, the amount of any outstanding commitments in relation
          thereto;

     b)   all eligible costs incurred by the EMPLOYER up to the date of
          termination will be paid by the COMMISSION, including its cost of, and
          incidental to, the cancellation of obligations incurred by it as a
          consequence of the termination of the agreement; provided always that
          payment and reimbursement under this paragraph shall only be made to
          the extent that it is established to the satisfaction of the
          COMMISSION that the costs mentioned herein were actually incurred by
          the EMPLOYER and the same are reasonable and properly attributable to
          the termination of the agreement; and

<PAGE>

                                      -5-

       c)   the amount of any contribution funds which remain unspent shall be
            promptly repaid to the COMMISSION, and such amount shall be a debt
            due to the COMMISSION.

13.0   GENERAL

13.1   This agreement may be amended by the mutual consent of the parties. To be
       valid, any amendment to this agreement shall be in writing and signed by
       the parties.

13.3   The EMPLOYER shall not assign this agreement or any part hereof or any
       payments to be made thereunder without the written permission of the
       COMMISSION and any assignment made without that permission is void and of
       no effect.

13.2   No member of the House of Commons or Senate or provincial legislature
       shall be admitted to any share or part of this agreement or to any
       benefit to arise therefrom.

13.4   Prior to hiring each participant for the activities, the EMPLOYER shall
       verify and confirm with the COMMISSION that the participant qualifies as
       an "insured participant" within the meaning of the Employment Insurance
       Act.

13.5   The management, supervision and control of the activities of the
       agreement are the sole and absolute responsibility of the EMPLOYER. The
       EMPLOYER is not in any way authorized to make a promise, agreement or
       contract on behalf of the COMMISSION. The EMPLOYER shall be solely
       responsible for any and all payments and deductions required by law to be
       made including those required for Canada Pension Plan, employment
       insurance, workers' compensation and income tax. The parties hereto
       declare that nothing in this agreement shall be construed as creating a
       legally binding partnership or agency relationship between them.

13.6   It is a term of this agreement that no individual, for whom the post-
       employment provisions of the "Conflict of Interest and Post-Employment
       Code for Public Office Holders" or the "Conflict of Interest and Post-
       Employment Code for the Public Service" apply, shall derive any direct
       benefit from this agreement unless that individual is in compliance with
       the applicable post-employment provisions.

13.7   If the EMPLOYER is an unincorporated organization, it is agreed by the
       representatives of the EMPLOYER signing this agreement on behalf of the
       EMPLOYER, that they shall be personally, jointly and severally liable for
       all obligations, convenants, promises, liabilities and expenses assumed
       by the EMPLOYER under this agreement.

13.8   This agreement and all schedules and attachments are subject to the
       Access of Information Act.

13.9   This agreement is binding upon the EMPLOYER and its successors and
       assigns and supersedes all previous agreements between the parties.

13.10  This agreement shall come into force and effect when it is executed by
       both parties to this agreement.

For the COMMISSION
     /s/ [ILLEGIBLE]              D G - Service Delivery        May - 8 2000
-----------------------------   ---------------------------  ------------------
       (Signature)                     (Position)                  (Date)

For the EMPLOYER

   X  /s/ [ILLEGIBLE]                  President                  5/8/2000
-----------------------------   ---------------------------  ------------------
       (Signature)                     (Position)                  (Date)

-----------------------------   ---------------------------  ------------------
       (Signature)                     (Position)                  (Date)

<PAGE>

<TABLE>
<CAPTION>

[LOGO]     Human Resources                  Developpement des                                                                 PAGE 1
                                                                                      ---------------------------------------------
           Development Canada               ressources humaines Canada                  OFFICIAL USE - RESERVE A L'ADMINISTRATION
                                                                                      ---------------------------------------------
                                                                                      100 FILE NUMBER     101 OPTIONS.A/S.S.A.
                                                                                      ---                 ---
           SCHEDULE A                       ANNEXE A                                      N* DE DOSSIER
--------------------------------------------------------------------------------------
 1                                                                                            U45343 - 7                     936
---                                                                                   ----------------------------------------------
<S>                            <C>                         <C>                       <C>                  <C>
  [X] Targeted Wage             [_] skills Development     [_] Opportunities Fund     102 RESP.RC          103 BUDGET REC
                                                                                      ---                  ---
      Subsidiaries                  Developpement des          Fonds d'integration
      Subventions salariales        competences                                           CR D'ORIGINE          CR DU BUDGET
      cibiees
                                                                                                    3571                    3571
                                                                                      ----------------------------------------------
   [_] Self-Employment           [_] Employment Assistance  [_] Youth Initiatives      104 1-ORIGINAL       105 AMEN NO  106 REASON
                                                                                       ---                  ---          ---
      Travail independant           Services                   Initiatives Jeunesse        2-AMENDMENT/MOD.     N'DE LA      CODE
                                    Services d'aide a                                      3-CORRECTION         MOD.         CODE DE
                                    l'emploi                                               4- RENEWAL/RENOUV                 MOTIF
  [_] Job Creation Partnerships [_] Local Labour Market    [_] Other (specify)
      Partenariats pour la          Partnerships
      creation d'emplois            Partenariats locaux    [_] Autre (precisaz)
                                    du marche du travail
                                                                                                         1
------------------------------------------------------------------------------------------------------------------------------------
 2  NAME OF EMPLOYER/COORDINATOR - NOM DE L'EMPLOYEUR/COORDONNATEUR     3  LEGAL NAME OF EMPLOYER/COORDINATOR (IF DIFFERENT FROM
---                                                                    ---
                                                                           ABOVE)-NOM LEGAL DE L'EMPLOYEUR/COORDINATOR (S'IL EST
                                                                           DIFFERENT DU PRECEDENT)

  RMH Teleservices International Inc.
-------------------------------------------------------------------
  COMMUNITY COORDINATOR           [_] YES    [_] NO
  COORDONNATEUR LOCAL             [_] OUI    [_] NON
------------------------------------------------------------------------------------------------------------------------------------
 4  MAILING ADDRESS - ADRESSE POSTALE                                                                  8  AREA CODE  TELEPHONE NO.
---                                                                                                   ---
                                                                                                          IND. REG. N'DE TELEPHONE

 1086 Modeland Road                                                                                       (610) 520-5354
------------------------------------------------------------------------------------------------------------------------------------
 5  CITY/TOWN - VILLE                                      6  PROVINCE     7  POSTAL CODE              9  AREA CODE FAX NO.
---                                                       ---             ---                         ---
                                                                              CODE POSTAL                 IND. REG. N'DE TELECOPIEUR

 Sarnia                                                       Ont             N7T 7K7                     (610) 520-5354
------------------------------------------------------------------------------------------------------------------------------------
 10 NAME OF CONTACT PERSON - NOM DE LA PERSONNE RESSOURCE   11 TELEPHONE NO. (If different from above)   12 No. OF EMPLOYEES/
---                                                        ---                                          ---
                                                               N'DE TEL (S'il est different du precedent    WORKERS AFFECTED
                                                                                                            Nbre D'EMPLOYES/
                                                                                                            TRAVAILLEURS
 Mike Scharff/Patricia Gallagher                                                                            TOUCHES             700
------------------------------------------------------------------------------------------------------------------------------------
 13 OBJECTIVE/DESCRIPTION OF ACTIVITIES/TARGETED CLIENTELE/EXPECTED RESULTS - OBJECTIF/DESCRIPTION DES ACTIVITES/CLIENTELE VISEE/
---
    RESULTATS ATTENDUS
    (THIS SECTION IS MEANT AS AN EXECUTIVE SUMMARY. - CETTE SECTION SERT A FOURNIR UN SOMMAIRE DES ACTIVITES).
</TABLE>

 Objective: To support the economic diversification in the Sarnia-Lambton area.
 Targeted Wage Subsidy will be used to support indivduals in obtaining training
 and work experience in a telecommunications company.

 The schedules and addenda as described in the submission from the Recipient are
 considered to be part of this Agreement. Any changes to the proposal will be
 made only with joint concurrence of both parties.

 Activities: Full listing of Job Descriptions for both the Quality Center and
 the Inbound Call Center are attached: Managers, Administrators, Supervisors, IT
 professionals, HR specialists, Quality & Sales Monitors, Quality Assurance
 Representatives and Customer Service Representatives.

 Targeted Clientele: Insured participants in need of work experience and
 training.

 Targeted Results: A minimum of 140 unemployed persons who are eligible for the
 Targeted Wage Subsidy program will gain employment at RMH Teleservices
 International Inc. It is expected that 75% of these participants will continue
 to be employed on a full time basis upon completion of the subsidy period.

<TABLE>
<S>                    <C>             <C>        <C>                        <C>             <C>
------------------------------------------------------------------------------------------------------------------------------------
 14 LOCATION OF ACTIVITY - LIEU DE L'ACTIVITE
---
 1086 Modeland Road, Sarnia
------------------------------------------------------------------------------------------------------------------------------------
 15 TOTAL NUMBER OF              DESIGNATED GROUP MEMBERS TARGETING PLAN - PLAN DE CIBLAGE DES MEMBRES DES GROUPES DESIGNES
---
    PARTICIPANTS   -----------------------------------------------------------------------------------------------------------------
   NOMBRE TOTAL DE  16                    17 WOMEN  18 ABORIGINALS    19  PERSONS WITH DISABILITIES  20  MEMBERS OF VISIBLE 21 SPARE
                   ---                   ---       ---               ---                            ---                    ---
    PARTICIPANTS      NUMBER OF POSITIONS    FEMMES    AUTOCHTONES        PERSONNES HANIDCAPEES              MINORITIES        LIBRE
                        TO BE FILLED BY                               (DO NOT COMPLETE FOR O.F.      MEMBRES DES
                      NOMBRE DE POSTES A                              NE PAS COMPLETER DANS          MINORITES
               140      COMBLER PAR DES                               LE CAS DU F.I.)                VISIBLES
------------------------------------------------------------------------------------------------------------------------------------
 22                          23     Y-A    M   D-J     24   Y-A    M    D-J        25       Y-A    M    D-J     26   Y-A   M    D-J
---                         ---                       ---                         ---                          ---
   DURATION OF ACTIVITY      FROM                      TO                          AND FROM                     TO
   DUREE DE L'ACTIVITE       DE      2000-05-08        A   2001-03-31              ET DE                        A
------------------------------------------------------------------------------------------------------------------------------------
 OFFICIAL USE - RESERVE A L'ADMINISTRATION - CMS - SGM
------------------------------------------------------------------------------------------------------------------------------------
140   FINANCIAL CODE                                            CMS    CONSTIT.      FUTURE YEAR 1            FUTURE YEAR 2
---
      CODE FINANCIER              CURRENT YEAR AMOUNT          TYPE     CODE       COMMITMENT AMOUNT    CR  COMMITMENT AMOUNT    CR
-------------------------------
 ALLOT  PROJECT  LINE OBJECT     MONTANT POUR L'ANNEE    CR    GENRE    CODE      MONTANT ENGAGE POUR   CT  MONTANT ENGAGE POUR  CT
 AFF.   PROJET   ART. D'EXEC.          COURANTE          CT     SGM     CIRC       L'ANNEE 1 A VENIR         L'ANNEE 2 A VENIR
------------------------------------------------------------------------------------------------------------------------------------
29                5200                 700,000.00
------------------------------------------------------------------------------------------------------------------------------------
141                                 SIGNATURE                                                                      Y-A   M   D-U
---
      AGREEMENT VERIFICATION
      VERIFICATION DE L'ACCORD
------------------------------------------------------------------------------------------------------------------------------------
OFFICIAL USE - RESERVE A L'ADMINISTRATION - MIS - SIG
------------------------------------------------------------------------------------------------------------------------------------
150  ORIG.  151  CORRESP.  152   PROV.  153  HRDC     154           155       156         157          158   YR. OF   159   SPECIAL
---         ---            ---          ---           ---           ---       ---         ---          ---            ---
     TYPE         LANG.         RIDING      OFFICER       CONSTIT.      NCC       S.I.C.    ACTIVITY       OPERATION       INT. GR.
     GENRE       LANG DE         CIRC.      AGENT DE      CIRC.         CNP       C.T.I.    ACTIVITE       ANNEE DE      GR. D'INT.
     D'ORG       CORRESP.       PROV.        DRHC                                                            FONCT.        SPECIAL
------------------------------------------------------------------------------------------------------------------------------------
    11               E           K095         A29           U71         1453       7790      CO7M              01
------------------------------------------------------------------------------------------------------------------------------------
160  NATIONAL SPARES             161 REGIONAL SPARES                                         162  HRCC SPARES
---                              ---                                                         ---
     CODES (RESERVE A L'AC)          CODES (RESERVE AU BUREAU REGIONAL)                           CODES (RESERVES AUX CRHC)

 A   B     C     D               A     B    C     D     E     F                              A     B      C
------------------------------------------------------------------------------------------------------------------------------------
EMP 5155 (06-99)B                                                                                                             Canada
</TABLE>

<PAGE>

<TABLE>
<S>                                                                                                         <C>
-----------------------------
FILE NUMBER - N/o/ DE DOSSIER
                 U45343 - 7                                                                                                   PAGE 2
-----------------------------
                                                                                                            ------------------------
                                                                                                            FUNDS FROM OTHER SOURCES
 HRDC CONTRIBUTION - CONTRIBUTION DE DRHC                                                                    FONDS D'AUTRES SOURCES
--------------------------------------------------------------------------------------------------
SUPPORT TO INDIVIDUALS PAID BY COORDINATOR/EMPLOYER -  SOUTIEN AUX PARTICULIERS VERSE PAR LE
COORDONNATEUR/L'EMPLOYEUR
-------------------------------------------------------------------------------------------------           ------------------------
27   LIVING EXPENSES                                             26                                          29
     FRAIS DE SUBSISTANCE                                        --                  5268                    --
--------------------------------------------------------------------------------                            ------------------------
30   DEPENDANT CARE COSTS                                        31                                          32
     DEPENSES LIEES A LA GARDE DES PERSONNES A CHARGE            --                  5228                    --
--------------------------------------------------------------------------------                            ------------------------
33   DISABILITY RELATED COSTS                                    34                                          33
     COUTS RELIES AUX LIMITATIONS FONCTIONELLES                  --                  5257                    --
--------------------------------------------------------------------------------                            ------------------------
36   TUITION COSTS                                               37                                          38
     FRAIS DE SCOLARITE                                          --                  5261                    --
--------------------------------------------------------------------------------                            ------------------------
39   OTHER PERSONAL SUPPORTS AND TRANSPORTATION                  40                                          41
     AUTRES SOUTIENS PERSONNELS ET TRANSPORT                     --                  5267                    --
-------------------------------------------------------------------------------------------------           ------------------------
42   TOTAL SUPPORT TO INDIVIDUALS                                                  43
     TOTAL DU SOUTIEN AUX PARTICULIERS
-------------------------------------------------------------------------------------------------
-------------------------------------------------------------------------------------------------           ------------------------
44   PARTICIPANT WAGES                                                             45                        40
     SALAIRE DES PARTICIPANTS                                                      --  700,000.00     5220   --
-------------------------------------------------------------------------------------------------           ------------------------
--------------------------------------------------------------------------------
                         OVERHEAD COSTS - FRAIS GENERAUX
-------------------------------------------------------------------------------------------------           ------------------------
47   OVERHEAD COSTS EXCLUDING CAPITAL COSTS                                        48                        49
     FRAIS GENERAUX EXCLUANT LES FRAIS D'IMMOBILISATION                            --                 5269   --
-------------------------------------------------------------------------------------------------           ------------------------
50   CAPITAL COSTS                                                                 51                        52
     FRAIS D'IMMOBILISATION                                                        --                 5270   --
-------------------------------------------------------------------------------------------------           ------------------------
53   ADDITIONAL COSTS RELATED TO ACCOMMODATING PERSONS WITH DISABILITIES           54                        55
     FRAIS SUPPLEMENTAIRES POUR ACCOMMODER LES PERSONNES HANDICAPEES               --                 5252   --
-------------------------------------------------------------------------------------------------           ------------------------
-------------------------------------------------------------------------------
                           COURSE COSTS - FRAIS DE COURS
-------------------------------------------------------------------------------------------------           ------------------------
56   COURSE COSTS - PUBLIC INSTITUTIONS                                            57                        58
     FRAIS DE COURS - ETABLISSEMENTS PUBLICS                                       --                 5283   --
-------------------------------------------------------------------------------------------------           ------------------------
59   COURSE COSTS - PRIVATE INSTITUTIONS                                           60                        61
     FRAIS DE COURS - ETABLISSEMENTS PRIVES                                        --                 5254   --
-------------------------------------------------------------------------------------------------           ------------------------
                                                                                   --------------
                         TOTAL CONTRIBUTION TO BE PAID TO THE COORDINATOR/EMPLOYER 62
                       CONTRIBUTION TOTALE A VERSER AU COORDONNATEUR/A L'EMPLOYEUR --  700,000.00     5200
                                                                                   --------------
                                                                                   --------------
              ESTIMATED FINANCIAL ASSISTANCE PAID DIRECTLY TO PARTICIPANTS BY HRDC 63
                SOUTIEN FINANCIER ESTIMATIF VERSE DIRECTEMENT AUX PARTICIPANTS PAR --
                                                                                   --------------
                                                                                   --------------
                                 ESTIMATED TOTAL HRDC CONTRIBUTION (BOXES 62 + 63) 64
                     CONTRIBUTION TOTALE ESTIMATIVE VERSEE PAR DRHC (CASE 62 + 63) --  700,000.00
                                                                                   --------------

------------------------------------------------------------------------------------------------------------------------------------
 65                                              COST DISTRIBUTION - REPARTITION DES COUTS
------------------------------------------------------------------------------------------------------------------------------------
     EMPLOYER/COORDINATOR           UNION/ASSO./AGENTS                               HRDC
    EMPLOYEUR/COORDONNATEUR        SYNDICAT/ASSOC/REPR.           PROVINCE           DRHC           OTHER - AUTRE         TOTAL
------------------------------------------------------------------------------------------------------------------------------------
 66                               67                           68            69                 70                 71
 --              700,000.00       --                           --            --   700,000.00    --                 --   1,400,000.00
------------------------------------------------------------------------------------------------------------------------------------
 72                               73                           74            75                 76                 77
 --                   50.00%      --              0.00%        --     0.00%  --        50.00%   --        0.00%    --           100%
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
FOR FORMER IAS ONLY - ANCIEN SAAI SEULEMENT
------------------------------------------------------------------------------------------------------------------------------------
TYPE OF EMPLOYMENT ADJUSTMENT AGREEMENT                        78 BUSINESS LINES            79  TYPE OF AGREEMENT
GENRE D'ACCORD D'ADAPTATION DE LA MAIN-D'OEUVRE                -- SECTEURS D'ACTIVITE |     --  GENRE D' ACCORD    |
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
FOR USE WHEN NO APPLICATION HAS BEEN COMPLETED - A UTILISER DANS LES CAS OU AUCUNE DEMANDE N'A ETE PRESENTEE
------------------------------------------------------------------------------------------------------------------------------------
80 RECOMMENDED BY - RECOMMANDE PAR       81  DATE           82  APPROVED BY - APPROUVE PAR        83  DATE
--                                       --                 --                                    --  MAY - 8 2000
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
FOR AMENDMENTS ONLY - POUR MODIFICATIONS SEULEMENT
------------------------------------------------------------------------------------------------------------------------------------
REASON FOR AMENDMENT                                                                  [_] INCREASE          [_]  DECREASE
RAISON DE LA MODIFICATION                                                                 AUGMENTATION           DIMINUTION
                                                                                  --------------------------------------------------
                                                                                  AMOUNT
                                                                                  MONTANT $
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
84    INITIALS OF SIGNATORIES TO THE AGREEMENT - INITIALES DES SIGNATAIRES DE L'ACCORD
                                                                                             |
X /s/ [ILLEGIBLE]^^            5/8/2000                                                      | /s/ [ILLEGIBLE]^^         MAY-8 2000
---------------------------   ---------- ___________________________________   _____________   ------------------------- ___________
   EMPLOYER/COORDINATOR          DATE           EMPLOYER/COORDINATOR                DATE         COMMISSION/DEPARTMENT      DATE
 EMPLOYEUR/COORDONNATEUR                      EMPLOYEUR/COORDONNATEUR                            COMMISSION/MINISTERE
------------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------------------
The information you provide is collected under the auspices of Human Resources Development for the purpose of administering
employment programming. The information collected will be subject to the Access to Information Act. The information will be placed
in Program Record Number HRDC - HRI 293.
Les renseignements fournis dans le present document sont recueillis sous l'autorite de Developpement des ressources humaines aux
fins de l'adminstration de la programmation d'emploi. Les renseignements obtenus seront sujets a la Loi d'acces a l'information. Les
renseignements obtenus seront conserves dans le dossier de programme DRHC - IRH 293.
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>
<PAGE>

[LOGO] Human Resources        Developpement des
       Development Canada     ressources humaines Canada
                                                             ---------------
                                                             FILE NUMBER
                                                             N/O/ DE DOSSIER
                                      SCHEDULE D - ANNEXE D
                                                             U 4 5 3 4 3 - 7
                                                             ---------------
----------------------------------------------------------------------------
1 NAME OF EMPLOYER / COORDINATOR - NOM DE L'EMPLOYEUR/COORDONNATEUR
-

RMH Teleservices International Inc.
----------------------------------------------------------------------------

2.0 ADDITIONAL CONDITIONS - CONDITIONS SUPPLEMENTAIRES

Agreement must be signed by RMH and HRDC prior to start date shown on agreement.

All persons must qualify as an Insured participant to be eligible to participate
in this intervention. HRDC must confirm eligibility for every participant prior
to starting work with RMH through this contract. Release of information forms
will be included with Tracking Document which lists hires. This tracking
document is to be submitted a least 1 week in advance of employee starting
employment.

Persons resigning employment to start work with RMH will not be eligible.
Employer can not receive TWS funding more than once for an individual.

Reimbursement will be based on 50% of wage rate to maximum of $5000.00 per
eligible participant. This does not include mandatory related costs or vacation
pay.

To be eligible for Targeted Wage Subsidy weekly hours are not to fall below 30
hours per week.

The employer agrees not to claim more than the normal work week for the specific
position. Overtime hours will not be reimbursed.

The contract will be over when dollar value is reached or on the contract end
date of March 31, 2001 whichever occurs first. Last day eligible for wage
subsidy will be March 31, 2001 as per HRDC commitment letter.

No advance payments are allowed. Progress payments only. Project claim forms are
to be submitted every 3 months supported by payroll information. Claims are to
be submitted July 2000, October 2000, January 2001 and March 2001. A fifth claim
may be required to capture the difference between HRDC'S fiscal year and RMH's
payroll date.

A performance review on each participant will be submitted with each pay claim.

The co-ordinator agrees and warrants that all computer and computer support
equipment related to payroll is Year 2000 compliant. (Schedule E)

The co-ordinator will advise HRDC immediately of the finish dates of
participants who leave the program early.

HRDC will work with Ontario Works-Enhanced Job placement program and the
provincial Job Connect program to facilitate client group eligibility for their
respective programs.

The Co-ordinator/Sponsor when required by CANADA acknowledge CANADA'S financial
contribution to the project.

For department monitoring and auditing purposes, the following reports will be
made available:
Payroll & Attendance records
Financial monitoring will be conducted in October 2000 & March 2001. On-site
participant monitors will be conducted by HRDC Project Officers.

RESULTS:

The Co-ordinator will submit a final report within 30 days of contract
completion addressing the overall project achievements as it relates to the
Objective; Description of Activities; Targeted clientele and Expected Results.

<TABLE>
<CAPTION>
----------------------------------------------------------------------------------------------------------------------------------
3 INITIALS OF SIGNATORIES TO THE AGREEMENT - INITIALES DES SIGNATAIRES DE L'ACCORD
<S>                          <C>              <C>                          <C>           <C>                         <C>
  /s/ [ILLEGIBLE]^^             5/8/2000                                                   /s/ [ILLEGIBLE]^^          MAY - 8 2000
------------------------     -------------    --------------------------   -----------   -------------------------   -------------
 EMPLOYER/COORDINATOR             DATE           EMPLOYER/COORDINATOR          DATE       COMMISSION/DEPARTMENT           DATE
EMPLOYEUR/COORDONNATEUR                        EMPLOYEUR/COORDONNATEUR                    COMMISSION/MINISTERE
----------------------------------------------------------------------------------------------------------------------------------
</TABLE>
                                                                    [LOGO]CANADA
<PAGE>

<TABLE>
<S>                          <C>                                                          <C>
                                                                                          ---------------
[LOGO] Human Resources       Developpement des                                            FILE NUMBER
       Development Canada    ressources humaines Canada  SCHEDULE E  ANNEXE E             N/o/ DE DOSSIER
                                                                                          U 4 5 3 4 3 - 7
                                                                                          ---------------
</TABLE>

--------------------------------------------------------------------------------
 1  Name of Employer / Coordinator - Nom de l'employeur / coordonnateur
---
 RMH Teleservices International Inc.
--------------------------------------------------------------------------------

2.0  ADDITIONAL CONDITIONS

  The COORDINATOR/EMPLOYER warrants that the services provided under this
  contract shall meet the contractual requirements (as evidences during
  acceptance tests, as applicable) so as to accurately and automatically process
  any and all data, date and date-related data including but not limited to
  calculating, comparing, and sequencing of such data from, into and between the
  twentieth and twenty-first centuries, including leap year calculations when
  used in accordance with the documentation provided by the COORDINATOR/EMPLOYER
  and accepted by the Crown. To that end, the COORDINATOR/EMPLOYER also warrants
  that date related processing will not, in any way, prevent hardware, software
  or firmware from conforming to the requirements of the Contract prior to,
  during, or after the year 2000. Canada may, at no additional cost, require the
  COORDINATOR/EMPLOYER prior to the performance of the services, to demonstrate
  compliance and/or compliance techniques and test procedures it intends to
  follow in order to comply with all the obligations contained here.

  The obligations contained herein apply to the services provided by the
  COORDINATOR/EMPLOYER, its contractors and its subcontractors involved in the
  performance of this Contract. Subject to the specific contractual requirement,
  the obligations contained herein do not apply to hardware, firmware, software
  or software applications provided as Government Furnished Equipment unless
  expressed elsewhere in the Contract.

  The warranties contained herein are separate and discrete from any other
  warranties specified in this Contract, and are not subject to any disclaimer
  of warranty which may be specified in the Contract, its appendices, its
  schedules, its annexes or any document incorporated in this Contract by
  reference. The warranties contained herein are subject to any limitation of
  the COORDINATOR's/EMPLOYER's liability specified in the Contract.

  Notwithstanding the foregoing, the provisions set out in the applicable
  General Conditions, if any, under the section entitled "Warranty" apply.

  The warranties contained herein shall have a term extending to either:
     a)   to June 30, 2000, or
     b)   for a period of six months following acceptance of the services,
          whichever is the later date.

2.0    CONDITIONS SUPPLEMENTAIRES

  Le COORDONNATEUR/EMPLOYEUR garantit que les services fournis conformement au
  present contrat satisfont aux exigences contractuelles (attestees au cours des
  tests d'acceptation, selon le cas), de facon a traiter avec precision et
  automatiquement toutes les donnees, les dates et les donnees liees aux dates,
  notamment quant au calcul, a la comparaison et au maintien de sequence de ces
  donnees entre le XXe et le XXle siecle, y compris quant aux calculs relatifs
  aux annees bissextiles utilises selon la documentation fournie par le
  COORDONNATEUR/EMPLOYEUR et acceptee par la Couronne. A cette fin, le
  COORDONNATEUR/EMPLOYEUR garantit egalement que le traitement lie aux dates
  n'empechera en aucune facon le materiel, les logiciels et les microprogrammes
  d'etre conformes aux exigences prevues par le contrat avant, pendant ou apres
  l'an 2000. Le Canada peut, sans frais additionnels, obliger le
  COORDONNATEUR/EMPLOYEUR, avant l'execution des services, a faire la preuve de
  sa conformite ou des methodes de conformite et des procedures de test qu'il a
  l'intention d'appliquer afin de se conformer a toutes les obligations prevues
  par les presentes.

  Les presentes obligations s'appliquent aux services fournis par le
  COORDONNATEUR/EMPLOYEUR, ses entrepreneurs et sous-traitants participant a
  l'execution du contrat. Sous reserve de l'exigence contractuelle precise,
  elles ne s'appliquent pas au materiel, aux microprogrammes, aux logiciels ou
  aux applications de logiciels fournis a titre d'equipement fourni par le
  gouvernement, sauf disposition des presentes.

  Les garanties prevues aux presentes sont distinctes de toute autre garantie
  prevue dans le contrat et ne sont pas visees par toute stipulation
  d'exoneration de garantie que peuvent contenir le contrat, ses annexes ou tout
  autre document incorpore aux presentes par renvol. Elles sont visees par toute
  limitation de la responsabilite du COORDONNATEUR/EMPLOYEUR precisee aux
  presentes.

  Malgre ce qui precede, les dispositions des conditions generales, les cas
  echeant, prevues dans la partie intitulee <<Garantie>> s'appliquent.

  Les garanties prevues aux presentes sont en vigueur jusqu'a la demiere des
  dates suivantes:
   a)  le 30 juin 2000, ou
   b)  pendant les six mois suivant l'acceptation des services, la date etant la
       plus eloignee.

--------------------------------------------------------------------------------
 3.  Initials of Signatories to the Agreement - Initiales des signataires de
     l'accord

<TABLE>
<CAPTION>
    /s/ [ILLEGIBLE]^^       5/8/2000                                         /s/ [ILLEGIBLE]^^      May - 8 2000
 ------------------------   -------- ------------------------  ---------  ------------------------  ------------
 <S>                        <C>      <C>                       <C>        <C>                       <C>
    Employer/Coordinator     Date     Employer/Coordinator       Date      Commission/Department        Date
  Employeur/Coordonnateur            Employeur/Coordonnateur                Commission/Ministere
----------------------------------------------------------------------------------------------------------------
</TABLE>

                                                                   [LOGO] Canada

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00013-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00013-of-00352.parquet"}]]