Document:

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                                                             Exhibit 10.4

                                   AMENDMENT
                                   ---------
                           TO AGREEMENT BETWEEN THE
                           ------------------------
                  DEVELOPMENT CORPORATION OF HARLINGEN, INC.
                  ------------------------------------------
                          AND RMH TELESERVICES. INC.
                          --------------------------

     On the 28th day of February , 2001 this AMENDMENT TO THE AGREEMENT BETWEEN
            ---         --------
THE DEVELOPMENT CORPORATION OF HARLINGEN, INC. AND RMH TELESERVICES, INC.
(hereinafter "Amendment") amends the Agreement Between the Development
Corporation of Harlingen, Inc. and RMH Teleservices, Inc. dated September 22,
2000 and was entered into by the DEVELOPMENT CORPORATION OF HARLINGEN, INC.
(hereinafter "DEVELOPMENT CORPORATION") and RMH TELESERVICES, INC., a
Pennsylvania corporation (hereinafter "RMH"), on the following terms and
conditions:

     1.   Commission Approval: This Amendment is subject to the express approval
          -------------------
of the Elective Commission of the City of Harlingen. Failure to receive such
approval shall render this Amendment null and void.

     2.   Funding: Based upon the representations, inducements and commitments
          -------
by RMH, both set forth herein and in other representations made and documents
provided to the DEVELOPMENT CORPORATION by RMH, the DEVELOPMENT CORPORATION
agrees to amend the grant of funding to RMH as

_____________________________________________________________
Agreement Between The Development Corporation Of Harlingen,               Page 1
Inc. And RMH Teleservices, Inc.
<PAGE>

follows:

          The DEVELOPMENT CORPORATION shall fund Two Hundred
          Fifty Thousand And No/lOOths Dollars ($250,000.00) to
          RMH, to hire and maintain continuously a minimum of
          three hundred (300) full time equivalent employees, by
          January 15, 200l upon presentation of a signed lease
          agreement for a minimum of five (5) years and upon
          presentation of sworn statement(s) detailing RMH's
          hiring of three hundred (300) new full time equivalent
          employees, the dates of their employment at the
          Harlingen operation, and the salaries and benefits of
          each new employee and that they correspond to the
          salaries and benefits represented in Exhibit "A" to the
          Agreement hereby amended, and that there are no plans
          to discharge any of these employees. The remaining Two
          Hundred Fifty Thousand And No/l00ths Dollars
          ($250,000.00), [which was to be funded as part of the
          initial Five Hundred Thousand And No/l00ths Dollars
          ($500,000.00) payment upon RMH's commencing operations
          as defined in paragraph 3(e) of the Agreement], shall
          be funded to RMH upon its having hired and continuously
          maintained five hundred (500) full-time equivalent
          employees (the original 300 full time equivalent
          employees described above plus 200 more full-time
          equivalent employees) for a period of thirty (30) days.

This provision amends paragraphs 2,2(a), 3(b), and 3(e) to the extent that they
are inconsistent with the provisions stated above. This Amendment is intended to
help RMH by partially funding the initial payment because of delays experienced
by RMH that were unanticipated and not caused by RMH.

     3.   All Other Terms Unchanged: In all other terms and respects, the
          --------------------------
initial Agreement remains unchanged and RMH must meet all the requirements

____________________________________________________________
 Amendment To The Agreement Between The Development                 Page 2 of 3
Corporation Of Harlingen, Inc. And RMH Teleservices, Inc.
<PAGE>

therein for further funding and/or to avoid default.

     4.   Parties Bound And Assignment: This Agreement shall be binding upon and
          ----------------------------
shall inure to the benefit of the parties hereto, their successors and
assigns. RMH may not assign this Amendment or any of their rights hereunder
without the prior written consent of the DEVELOPMENT CORPORATION, which shall
not unreasonably be withheld.

     5.   Authorization: The parties acknowledge and represent to each other
          -------------
that the persons who executed this Amendment were duly authorized to do so on
behalf of each party.

     Executed at and performable in Harlingen, Cameron County, Texas.

DEVELOPMENT CORPORATION               RMH TELESERVICES, INC.,
OF HARLINGEN, INC.

BY: /s/ [Illegible]                   BY: /s/ Michael J. Scharff
   ------------------------              -------------------------------

ITS: PRESIDENT                        ITS: Executive Vice President
    -----------------------               ------------------------------

CITY OF HARLINGEN

BY: /s/ [ILLEGIBLE]
   ------------------------

ITS: MAYOR
    -----------------------

___________________________________________________________
Agreement Between The Development Corporation Of Harlingen,               Page 3
Inc. And RMH Teleservices, Inc.<PAGE>

                                                                    Exhibit 10.5

Master Lease Agreement

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Mellon US Leasing                                     Mellon Leasing Corporation

LESSOR:   Mellon US Leasing, a Division of     LESSEE:    RMH Teleservices, Inc.
          Mellon Leasing Corporation                   -------------------------

                                               ADDRESS:   40 Morris Avenue
                                                       -------------------------
ADDRESS:  525 Market Street, Suite 3500
          San Francisco, California 94105-2743            Bryn Mawr, PA 19010
                                                       -------------------------

                         TERMS AND CONDITIONS OF LEASE

The undersigned Lessee hereby requests Lessor to purchase the personal property
described in any Equipment Schedule hereunder (herein called "Equipment") from
the supplier(s) listed in any Equipment Schedule hereunder (herein called
"Vendor" and/or "Manufacturer", as applicable) and to lease the Equipment to
Lessee on the terms and conditions of the lease set forth below.

Lessor hereby leases to Lessee, and Lessee hereby leases from Lessor, the
Equipment upon the following terms and conditions:

1. NO WARRANTIES BY LESSOR. Lessee has selected the Equipment and may have
entered into certain purchase, licensing, or maintenance agreements with the
Vendor and/or Manufacturer (herein referred to as an "Acquisition Agreement")
covering the Equipment as further described in Paragraph 26 hereof. If Lessee
has entered into any Acquisition Agreement, each agreement shall provide for
certain rights and obligations of the parties thereto with respect to the
Equipment, and Lessee shall perform all of the obligations set forth in each
Acquisition Agreement as if this lease did not exist. LESSOR MAKES NO WARRANTY,
EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER, INCLUDING THE CONDITION OF THE
EQUIPMENT. ITS MERCHANTABILITY OR ITS FITNESS FOR ANY PARTICULAR PURPOSE, AND,
AS TO LESSOR. LESSEE LEASES THE EQUIPMENT "AS IS." LESSOR SHALL HAVE NO
LIABILITY FOR ANY LOSS, DAMAGE OR EXPENSE OF ANY KIND WHATSOEVER RELATING
THERETO, INCLUDING WITHOUT LIMITATION ANY SPECIAL, INDIRECT, INCIDENTAL OR
CONSEQUENTIAL DAMAGES OF ANY CHARACTER.

2. CLAIMS AGAINST VENDOR AND/OR MANUFACTURER. If the Equipment is not properly
installed, does not operate as represented or warranted by Vendor and/or
Manufacturer, or is unsatisfactory for any reason, Lessee shall make any claim
on account thereof solely against Vendor and/or Manufacturer pursuant to the
Acquisition Agreement, if any, and shall, nevertheless, pay Lessor all rent
payable under this lease. All warranties from Vendor and/or Manufacturer are, to
the extent they are assignable, hereby assigned to Lessee for the term of this
lease or until an Event of Default occurs hereunder, for Lessee's exercise at
Lessee's expense. Lessee may directly inquire with Vendor and/or Manufacturer to
receive an accurate and complete statement of such warranties, including any
disclaimers or limitations of such warranties or of any remedies with respect
thereto.

3. VENDOR NOT AN AGENT. Lessee understands and agrees that neither Vendor, nor
any sales representative or other agent of Vendor, is an agent of Lessor. Sales
representatives or agents of Vendor, and persons that are not employed by Lessor
(including brokers and agents) are not authorized to waive or alter any term or
condition of this lease, and no representation as to the Equipment or any other
matter by Vendor or any other person that is not employed by Lessor (including
brokers and agents) shall in any way affect Lessee's duty to pay the rent and
perform its other obligations as set forth in this lease.

4. NON-CANCELLABLE LEASE. This lease and any Equipment Schedule hereto cannot be
cancelled or terminated except as expressly provided herein. Lessee agrees that
its obligation to pay all rent and other sums payable hereunder and the rights
of Lessor in and to such rent are absolute and unconditional and are not subject
to any abatement, reduction, setoff, defense, counterclaim or recoupment due or
alleged to be due to, or by reason of, any past, present or future claims which
Lessee may have against Lessor, any assignee, any Manufacturer or Vendor, or
against any person for any reason whatsoever.

5. ORDERING EQUIPMENT. Lessee shall arrange for delivery of the Equipment so
that it can be accepted in accordance with Paragraph 6 hereof within 90 days
after the date on which Lessor accepts Lessee's offer to enter into this lease
with respect to any Equipment Schedule or by such other date as may be set forth
in an Equipment Schedule or Approval Letter issued by Lessor as the Approval
Expiration Date. Unless otherwise specified on the Equipment Schedule, Lessee
shall be responsible for all transportation, packing, installation, testing and
other charges in connection with the delivery, installation and use of the
Equipment. Lessee hereby authorizes Lessor to insert in any Equipment Schedule
hereunder the serial numbers and other identification data of Equipment when
determined by Lessor.

6. ACCEPTANCE. Lessee acknowledges that for purposes of receiving or accepting
the Equipment from Vendor, Lessee is acting on Lessor's behalf. Upon delivery of
the Equipment to Lessee and Lessee's inspection thereof, Lessee shall furnish
Lessor a written statement (a) acknowledging receipt of the Equipment in good
condition and repair and (b) accepting it as satisfactory in all respects for
the purposes of this lease (the "Certificate of Acceptance"). Unless otherwise
set forth in the applicable Equipment Schedule, the first day of the month
following receipt and acceptance of the Equipment covered by an Equipment
Schedule shall be the Rent Commencement Date therefor. However, should Lessee
have a previous lease with Lessor which is active at the time of acceptance of
the Equipment under the Equipment Schedule and said lease and the current
Equipment Schedule hereunder shall have the same invoice address then the Rent
Commencement Date shall occur in the month immediately following acceptance of
the Equipment on the rent payment due date established with Lessee for said
previous active lease. Lessor is authorized to fill in on any Equipment Schedule
hereunder the Rent Commencement Date in accordance with the foregoing.

7. TERMINATION BY LESSOR. If, by the Approval Expiration Date, the Equipment
described in any Equipment Schedule has not been delivered to Lessee and
accepted by Lessee as provided in Paragraph 6 hereof, or if other conditions of
Lessor's Approval Letter, if any, have not been met, then Lessor may, at its
option, terminate this lease and its obligations hereunder with respect to such
Equipment Schedule at any time after the expiration of such 90 days or any date
after the Approval Expiration Date, as applicable. Lessor shall give Lessee
written notice whether or not it elects to exercise such option within 10 days
after Lessor's receipt of Lessee's written request for such notice.

8. TERM. The term of this lease shall be comprised of an Interim Term and an
Initial Term. The Interim Term shall commence on the date the Certificate of
Acceptance is executed by Lessee (the "Acceptance Date") and terminate on the
Rent Commencement Date. The Initial Term of this lease shall begin on the Rent
Commencement Date, and shall terminate on the later of (i) the last day of the
last month of the Initial Term (as that Term is set forth in the applicable
Equipment Schedule hereto) or (ii) the date Lessee fulfills all Lessee's
obligations hereunder.

9. RENTAL. The rental amount payable to Lessor by Lessee for the Equipment will
be set forth in the Equipment Schedule(s) ("Rental Amount"). As the first rent
payment for the Equipment, Lessee shall pay Lessor in immediately available
funds on the Rent Commencement Date the sum of, (i) the Rental Amount, and (ii)
Interim Rent in an amount equal to 1/30th of the Rental Amount times the number
of days from and including the Acceptance Date through but excluding the Rent
Commencement Date, and subsequent rent payments shall be due on the same day of
each calendar period as indicated on the Equipment Schedule for the balance of
the Initial Term. Rent payments shall be due whether or not Lessee has received
any notice that such payments are due. All rent payments shall be paid to Lessor
at its address set forth on the Equipment Schedule or as otherwise directed by
Lessor in writing.

10. RENEWAL. If no default shall have occurred and be continuing, Lessee shall
be entitled to renew this lease with respect to all, but not less than all of
the Equipment covered by an Equipment Schedule for a minimum 12 month
<PAGE>

period at an amount equal to the fair market rental value thereof, in use and
operational, in the condition required by this lease payable on a periodic
basis, as mutually agreed by Lessor and Lessee ("Renewal Rent"). Lessee must
give Lessor written notice of its intention to exercise said option, which
notice must be received by Lessor at least 90 days before expiration of the
Initial Term. The first installment of the Renewal Rent shall be due at
expiration of the Initial Term of this lease. Should Lessee fail to comply with
the provisions described above covering renewal, upon expiration of the inital
Term, the term of this lease shall be automatically extended for a term of 3
months. Thereafter, the term of this lease will be extended for subsequent full
month periods, on a month to month basis, until Lessee has given at least 90
days written notice terminating this lease. Such termination will take effect
upon completion of all Lessee's obligations under this lease (including payment
of all periodic rental payments due during such 90 day period, as provided in
Paragraph 9 of this lease). At any time after the expiration of the Initial
Term, if this lease has been automatically extended as set forth herein, Lessor
reserves the right to terminate this lease by 30 days written notice to Lessee.

11. LOCATION; INSPECTION; LABELS. The Equipment shall be delivered to and shall
not be removed without Lessor's prior written consent from the "Equipment
Location" shown on the related Equipment Schedule, or if none is specified,
Lessee's billing address shown on the Equipment Schedule. Lessor shall have the
right to inspect the Equipment at any reasonable time. If Lessor supplies Lessee
with labels stating that the Equipment is owned by Lessor, Lessee shall affix
such labels to and keep them in a prominent place on the Equipment.

12. REPAIRS; USE; ALTERATIONS. Lessee, at its own cost and expense, shall keep
the Equipment in good repair and working order, in the same condition as when
delivered to Lessee, reasonable wear and tear excepted, and in accordance with
the manufacturer's recommended specifications; shall use the Equipment lawfully;
shall not alter the Equipment without Lessor's prior written consent; shall use
the Equipment in compliance with any existing Manufacturer's service and
warranty requirements and any insurance policies applicable to the Equipment;
and shall furnish all parts and servicing required therefor. All parts, repairs,
additions, alterations and attachments placed on or incorporated into the
Equipment which cannot be removed without damage to the Equipment shall
immediately become part of the Equipment and shall be the property of the
Lessor. Lessee will obtain and maintain all permits, licenses and registrations
necessary to lawfully operate the facility where the Equipment is located.
Lessee shall comply with all applicable environmental and industrial hygiene
laws, rules and regulations (including but not limited to federal, state, and
local environmental protection, occupational, health and safety or similar laws,
ordinances and restrictions). Lessee shall, not later than 5 days after the
occurrence, provide Lessor with copies of any report required to be filed with
govermental agencies regulating environmental claims. Lessee shall immediately
notify Lessor in writing of any existing, pending or threatened investigation,
inquiry, claim or action by any governmental authority in connection with any
law, rule or regulation relating to industrial hygiene or environmental
conditions that could affect the Equipment.

13. MAINTENANCE. If the Equipment is such that Lessee is not normally capable of
maintaining it, Lessee, at its expense, shall enter into and maintain in full
force and effect throughout the Initial Term, and any renewal term, Vendor
and/or Manufacturer's standard maintenance contract, and shall comply with all
its obligations thereunder. An alternate source of maintenance may be used with
Lessor's prior written consent. Such consent shall be granted if, in Lessor's
reasonable opinion, the Equipment will be maintained in an equivalent state of
good repair, condition and working order.

14. SURRENDER. Provided that Lessee does not exercise the purchase option as set
forth in Paragraph 28 hereof, upon the expiration of the Initial Term, or any
renewal term, or upon demand by Lessor made pursuant to Paragraph 22 of this
lease, Lessee, at its expense, shall return all, but not less than all, of the
Equipment by delivering it to such place or on board such carrier, packed for
shipping, as Lessor may specify. Lessee agrees that the Equipment, when
returned, shall be in the same condition as when delivered to Lessee, reasonable
wear and tear excepted, and in a condition which will permit Lessor to be
eligible for Manufacturer's standard maintenance contract without incurring any
expense to repair or rehabilitate such Equipment. Lessee shall be liable for
reasonable and necessary expenses to place the Equipment in such condition.
Lessee shall remain liable for the condition of the Equipment until it is
received and accepted at the destination designated by Lessor as set forth
above. If any items of Equipment are missing or damaged when returned, such
occurrence shall be treated as an event of Loss or Damage with respect to such
missing or damaged items and shall be subject to the terms specified in
Paragraph 15 below. Lessee shall provide Lessor with a Letter of
Maintainability from the Manufacturer of the Equipment, which letter shall state
that the Equipment will be eligible for the Manufacturer's standard maintenance
contract when sold or leased to a third party. Lessee shall give Lessor prior
written notice that it is returning the Equipment as provided above, and such
notice must be received by Lessor at least 90 days prior to such return. Should
Lessee fail to comply with the provisions described above covering surrender,
upon expiration of  the Initial Term, the term of this lease shall be
automatically extended for a term of 3 months. Thereafter, the term of this
lease will be extended for subsequent full month periods, on a month to month
basis, until Lessee has given at least 90 days written notice terminating this
lease. Such termination will take effect upon completion of all Lessee's
obligations under this lease (including payment of all periodic rental payments
due during such 90 day period, as provided in Paragraph 9 of this lease). At
any time after the expiration of the Initial Term, if this lease has been
automatically extended as set forth herein, Lessor reserves the right to
terminate this lease by 30 days written notice to Lessee.

15. LOSS OR DAMAGE. Lessee shall bear the entire risk of loss, theft,
destruction of or damage to the Equipment or any item thereof (herein "Loss or
Damage") from any cause whatsoever. No Loss or Damage shall relieve Lessee of
the obligation to pay rent or of any other obligation under this lease. In the
event of Loss or Damage, Lessee, at the option of Lessor, shall: (a) place the
same in good condition and repair: (b) replace the same with like equipment
acceptable to Lessor in good condition and repair with clear title thereto in
Lessor; or (c) pay to Lessor the total of the following amounts: (i) the total
rent and other amounts due and owing at the time of such payment, plus (ii) an
amount calculated by Lessor which is the present value at 5% per annum simple
interest discount of all rent and other amounts payable by Lessee with respect
to said item from date of such payment to date of expiration of its Initial
Term, plus (iii) the "reversionary value" of the Equipment, which shall be
determined by Lessor as the total cost of the Equipment less 60% of the total
rent (net of sales/use taxes, if any) required to be paid pursuant to Paragraph
9. Upon Lessor's receipt of such payment, Lessee and/or Lessee's insurer shall
be entitled to Lessor's interest in said item, for salvage purposes, in its then
condition and location, "as-is", without any warranty, express or implied.

16. INSURANCE. Lessee shall provide, maintain and pay for (a) all risk property
insurance against the loss or theft of or damage to the Equipment, for the full
replacement value thereof, naming Lessor as a loss payee, and (b) commercial
general liability insurance (and if Lessee is a doctor, hospital or other health
care provider, medical malpractice insurance). All such policies shall name
Lessor as an additional insured and shall have combined single limits in amounts
acceptable to Lessor. All such insurance policies shall be endorsed to be
primary and non-contributory to any policies maintained by Lessor. In addition
Lessee shall cause Lessor to be named as an additional insured on any excess or
umbrella policies purchased by Lessee. A copy of each paid-up policy evidencing
such insurance (appropriately authenticated by the insurer) or a certificate of
the insurer providing such coverage proving that such policies have been issued,
providing the coverage required hereunder shall be delivered to Lessor prior to
the Rent Commencement Date. All insurance shall be placed with companies
satisfactory to Lessor and shall contain the insurer's agreement to give 30 days
written notice to Lessor before cancellation or any material change of any
policy of insurance.

17. TAXES. Lessee shall reimburse to Lessor (or pay directly if, but only if,
instructed by Lessor) all charges and taxes (local, state and federal) which may
now or hereafter be imposed or levied upon the sale, purchase, ownership,
leasing, possession or use of the Equipment; excluding, however, all income
taxes levied on (a) any rental payments made to Lessor hereunder, (b) any
payment made to Lessor in connection with Loss or Damage to the Equipment under
Paragraph 15 hereof, or (c) any payment made to Lessor in connection with
Lessee's exercise of its purchase option Paragraph 28 hereof.

18. LESSOR'S PAYMENT. If Lessee fails to provide or maintain said insurance, to
pay said taxes, charges and fees, or to discharge any levies, liens encumbrances
created by Lessee, Lessor shall have the right, but shall not be obligated, to
obtain such insurance, pay such taxes, charges and fees, or effect such
discharge. In that event, Lessee shall remit to Lessor the cost thereof with the
next rent payment.

19. INDEMNITY. (a) General lndemnity. Lessee shall indemnify Lessor against and
                   -----------------
hold Lessor harmless from any and all claims, actions, damages, costs, expenses
including reasonable attorneys' fees, obligations, liabilities and liens
(including any of the foregoing arising or imposed under the doctrines of
"strict liability" or "product liability' and including without limitation the
cost of any fines, remedial action, damage to the environment and cleanup and
the fees and costs of consultants and experts), arising out of the manufacture,
purchase, lease, ownership, possession, operation, condition, return or use of
the Equipment, or by operation of law, excluding however, any of the foregoing
resulting from the gross negligence or willful misconduct of Lessor. Lessee
agrees that upon written notice by Lessor of the assertion of such a claim,
action, damage, obligation, liability or lien, Lessee shall assume full
responsibility for the defense thereof. Lessee's choice of counsel shall be
mutually acceptable to both Lessee and Lessor. This indemnity also extends to
any environmental claims arising out of or relating to prior acts or omissions
of any party whatsoever. The provisions of this paragraph shall survive
termination of this lease with respect to events occurring prior to such
termination

(b) Tax Indemnity. Lessee acknowledges that Lessor shall be entitled to all tax
    -------------
benefits of ownership with respect to the Equipment (the "Tax Benefits"),
including but not limited to, (i) the accelerated cost recovery deductions
determined in accordance with Section 168(b)(1) of the Internal Revenue Code of
1986 for the Equipment based on the original cost of the Equipment to Lessor
(ii) deductions for interest on any indebtedness incurred by Lessor to finance
the Equipment and (iii) sourcing of income and losses attributable to this lease
to the United States. Lessee represents that the Equipment shall be depreciable
for Federal tax purposes utilizing the MACRS Recovery Period as set forth in the
Equipment Schedule, with such depreciation commencing as of the date of
Equipment acceptance by Lessee as set forth on the Certificate of Acceptance.
Lessee agrees to take no action inconsistent with the foregoing or any action
which would result in the loss, disallowance or unavailability to Lessor of all
or any part of the Tax Benefits. Lessee hereby indemnifies and holds harmless
Lessor and its assigns from and against (i) the loss, disallowance,
unavailability or recapture of all or any part of the Tax Benefits resulting
from any action, statement, misrepresentation or breach of warranty or covenant
by Lessee of any nature whatsoever including but not limited to the breach of
any representations, warranties or covenants contained in this paragraph, plus
(ii) all interest, penalties, fines or additions to tax resulting from such
loss, disallowance, unavailability or recapture, plus (iii) all taxes required
to be paid by Lessor upon receipt of the indemnity set forth in this paragraph.
Any
<PAGE>

payments made by Lessee to reimburse Lessor for lost, Tax Benefits shall be
calculated (i) on the assumption that Lessor is subject to the maximum Federal
Corporate Income Tax with respect to each year and that all Tax Benefits are
currently utilized, and (ii) without regard to whether Lessor or any members of
a consolidated group of which Lessor is also a member is then subject to any
increase in tax as a result of the loss of Tax Benefits. For the purposes of
this paragraph, "Lessor" includes for all tax purposes the consolidated taxpayer
group of which Lessor is a part.

(c) Payment. The amounts payable pursuant to this Paragraph 19 shall be payable
    -------
upon demand of Lessor, accompanied by a statement describing in reasonable
detail such claim, action, damage, cost, expense, fee, obligation, liability,
lien or tax and setting forth the computation of the amount so payable, which
computation shall be binding and conclusive upon Lessee, absent manifest error.
The indemnities and assumptions of liabilities and obligations contained in this
Paragraph 19 shall continue in full force and effect notwithstanding the
expiration or other termination of this Lease.

20. ASSIGNMENT. Without Lessor's prior written consent, Lessee shall not assign,
transfer, pledge, hypothecate or otherwise dispose of this lease, the Equipment,
or any interest therein. Without Lessor's prior written consent, Lessee shall
not sublet or lend the Equipment or permit it to be used by anyone other than
Lessee or Lessee's employees. Lessor may assign this lease in whole or in part
without notice to Lessee. If Lessee is given notice of such assignment it agrees
to acknowledge receipt thereof in writing. Each such assignee shall have all of
the rights, but none of the obligations, of Lessor under this lease. Lessee
shall not assert against assignee any defense, counterclaim or offset that
Lessee may have against Lessor. Not withstandinq any such assignment, Lessor
warrants that Lessee shall quietly enjoy use of the Equipment subject to the
terms and conditions of this lease so long as Lessee is not in default
hereunder. Subject to the foregoing, this lease inures to the benefit of and is
binding upon the successors and assigns of the parties hereto.

21. DELINQUENT PAYMENTS. (a) Service Charge. Since it would be impractical or
extremely difficult to fix Lessor's actual damages for collecting and accounting
for a late payment, if any payment to Lessor required herein (including, but not
limited to, rental, renewal, tax, purchase and other amounts) is not paid on or
before its due date, Lessee shall pay to Lessor an amount equal to 5% of any
such late payment. (b) Interest. Lessee shall also pay interest on any such late
payment from the due date thereof until the date paid at the lesser of 18% per
annum or the maximum rate allowed by law.

22. DEFAULT; REMEDIES. Any of the following shall constitute an Event of
Default: If a) Lessee fails to pay when due any rent or other amount required
herein to be paid by Lessee, or b) Lessee makes an assignment for the benefit
ofcreditors, whether voluntary or involuntary, or c) a petition is filed by or
against Lessee under any bankruptcy, insolvency or similar legislation, or d)
Lessee violates or fails to perform any provision of either this lease or any
acquisition Agreement, or violates or fails to perform any covenant or
representation made by Lessee herein, or e) Lessee makes a bulk transfer of
furniture, furnishings, fixtures or other equipment or inventory, or f) Lessee
ceases doing business as a going concern or terminates its existence, or g)
Lessee consolidates with, merges with or into, or conveys or leases all or
substantially all of its assets as an entirety to any person or engages in any
other form of reorganization, or there is a change in the legal structure of
Lessee, in each case which results, in the opinion of Lessor, in a material
adverse change in Lessee's ability to perform its obligations under this lease,
or h) any representation or warranty made by Lessee in this lease or in any
other document or agreement furnished by Lessee to Lessor shall prove to have
been false or misleading in any material respect when made or when deemed to
have been made, or i) Lessee shall be in default under any material obligation
for the payment of borrowed money or the deferred purchase price of, or for the
payment of any rent due with respect to, any real or personal property or j)
Lessee shall be in default under any other agreement now existing or hereafter
made with Lessor or any of Lessor's affiliates, or k) any event or condition
described in the foregoing clauses (b), (c), (e), (f), (g), (h) (in clauses (g)
and (h) substituting the phrase "guaranty or other credit support document" for
the word "lease"), (i) or (j) shall have occurred with respect to any guarantor
of, or other party liable in whole or in part for, Lessee's obligations
hereunder, or such guarantor or other party shall have defaulted in the
observance or performance of any covenant, condition or agreement to be observed
or performed by it under the guaranty or other credit support document pursuant
to which it is liable for Lessee's obligations hereunder, or such guaranty or
other credit support document shall have been revoked or terminated or shall
have otherwise ceased, for any reason, to be in full force and effect. An Event
of Default with respect to any Equipment Schedule shall constitute an Event of
Default for all Equipment Schedules. Lessee shall promptly notify Lessor of the
occurrence of any Event of Default.

   If an Event of Default occurs, Lessor shall have the right to exercise any
one or more of the following remedies in order to protect the interests and
reasonably expected profits and bargains of Lessor: a) Lessor may terminate this
lease with respect to all or any part of the Equipment, b) Lessor may recover
from Lessee all rent and other amounts then due and as they shall thereafter
become due hereunder, c) Lessor may take possession of any or all items of
Equipment, wherever the same may be located, without demand or notice, without
any court order or other process of law and without liability to Lessee for any
damages occasioned by such taking of possession, and any such taking of
possession shall not constitute a termination of this lease, d) Lessor may
recover from Lessee, with respect to any and all items of Equipment, and with or
without repossessing the Equipment the sum of (1) the total amount due and owing
to Lessor at the time of such default, plus (2) an amount calculated by Lessor
which is the present value at 5% per annum simple interest discount of all rent
and other amounts payable by Lessee with respect to said item(s) from date of
such payment to date of extention of its Initial Term, plus (3) the
"reversionary value" of the Equipment, which shall be determined by Lessor as
the total cost of the Equipment less 60% of the total rent (net of sales/use
taxes, if any) required to be paid pursuant to Paragraph 9, and which the
parties agree is a reasonable estimate of such value; and upon the payment of
all amounts described in clauses (1), (2) and (3) above, Lessee will become
entitled to the Equipment AS IS, WHERE IS, without warranty whatsoever;
provided, however, that if Lessor has repossessed or accepted the surrender of
the Equipment, Lessor shall sell, lease or otherwise dispose of the Equipment in
a commercially reasonable manner, with or without notice and on public or
private bid, and apply the net proceeds thereof (after deducting all expenses,
including attorneys' fees incurred in connection therewith), to the sum of (1),
(2) and (3) above, and e) Lessor may pursue any other remedy available at law or
in equity, including but not limited to seeking damages or specific performance
and/or obtaining an injunction.

   No right or remedy herein conferred upon of any right or remedy herein or by
law or equity provided or permitted; but each shall be cumulative of every other
right or remedy given hereunder or now or hereafter existing at law or in equity
or by statute or otherwise, and may be enforced concurrently therewith or from
time to time, but Lessor shall not be entitled to recover a greater amount in
damages than Lessor could have gained by receipt of Lessee's full, timely and
complete performance of its obligations pursuant to the terms of this lease plus
accrued delinquent payments under Paragraph 21.

23. LESSOR'S EXPENSE. Lessee shall pay Lessor all costs and expenses, including
attorneys' fees and the fees of collection agencies, incurred by Lessor in
enforcing any of the terms, conditions, or provisions hereof or in protecting
Lessors rights herein. Lessee's obligation hereunder includes all such costs and
expenses expended by Lessor (a) prior to filing of an action, (b) in connection
with an action which is dismissed, and (c) in the enforcement of any judgment.
Lessee's obligation to pay Lessor's attorneys' fees incurred in enforcing any
judgment is a separate obligation of Lessee, severable from Lessee's other
obligations hereunder, which obligation will survive such judgment and will not
be deemed to have been merged into such judgment.

24. OWNERSHIP; PERSONAL PROPERTY. The Equipment shall at all times remain the
property of Lessor and Lessee shall have no right, title or interest therein or
thereto except as expressly set forth in this lease and the Equipment shall at
all times be and remain personal property notwithstanding that the Equipment or
any part thereof may now be, or hereafter become, in any manner, affixed or
attached to real property or any improvements thereon.

25. NOTICES. Service of all notices under this lease shall be sufficient if
given personally or mailed to the respective party at its address set forth on
any Equipment Schedule, or at such address as either party may provide in
writing from time to time. Any such notice mailed to said address shall be
effective when deposited in the United States mail, duly addressed and with
postage prepaid.

26. ACQUISITION AGREEMENTS. If the Equipment is subject to any Acquisition
Agreement, Lessee, as part of this lease, transfers and assigns to Lessor all of
its rights, but none of its obligations (except for Lessee's obligation to pay
for the Equipment conditioned upon Lessee's acceptance in accordance with
Paragraph 6), in and to the Acquisition Agreement, including but not limited to
the right to take title to the Equipment. Lessee shall indemnify and hold Lessor
harmless in accordance with Paragraph 19 from any liability resulting from any
Acquisition Agreement as well as liabilities resulting from any Acquisition
Agreement Lessor is required to enter into on behalf of Lessee or with Lessee
for purposes of this lease.

27. UPGRADES. Any existing lease between Lessor and Lessee subject to an
"upgrade" program shall continue in full force and effect and shall be kept free
of default by Lessee (even if the Equipment covered by the existing lease is
sold, traded-in, etc.) until any such existing lease is cancelled by Lessor
when, if applicable, the new Equipment is accepted by Lessee for all purposes of
this lease.

28. PURCHASE OPTION. If no default shall have occurred and be continuing, Lessee
shall be entitled, at its option upon written notice to Lessor, which notice
must be received by Lessor at least 90 days prior to the end of either the
Initial Term or any renewal term of any Equipment Schedule, to purchase all, but
not less than all, of the Equipment covered by such Equipment Schedule from
Lessor at the end of the Initial Term or any renewal term for such Equipment
Schedule at a purchase price equal to the then fair market value of the
Equipment in use and operational, in the condition required by this lease, as
mutually agreed by Lessor and Lessee. On a date which is no later than the
expiration date of the Initial Term or any renewal term, as applicable, Lessee
shall pay to Lessor the purchase price for the Equipment covered by such
Equipment Schedule (plus any taxes levied thereon) and Lessor shall sell the
Equipment "as-is where-is" without any warranties express or implied.

29. RELATED EQUIPMENT SCHEDULES. In the event that any Equipment Schedule
hereunder shall include Equipment that may become attached to, affixed to, or
used in connection with Equipment covered under another Equipment Schedule
hereunder ("Related Equipment Schedule"), Lessee acknowledges the following: (a)
if Lessee elects to exercise a purchase option or renewal option under any
Equipment Schedule, if provided; or (b) if Lessee elects to return the Equipment
under any Equipment Schedule as described in Paragraph 14, then, Lessor, at its
discretion, may require the similar disposition of all Related Equipment
Schedules as provided for by this lease.

30. MISCELLANEOUS. This instrument and any Approval Letter issued by Lessor and
any Equipment Schedule hereunder constitutes the entire agreement between Lessor
and Lessee, and shall not be amended, altered or changed except by a written
agreement signed by the parties hereto, and in the case of Lessor, such
agreement shall not be valid unless executed by
<PAGE>

Lessor at Lessor's home office. To the extent any provisions of this lease
may be determined to be invalid or unenforceable, it shall be ineffective
without affecting the other provisions of this lease. To the extent permitted by
applicable law, Lessee hereby waives any provisions of law which render any
provision of this lease unenforceable in any respect. Unless specified
otherwise, in the event such written agreement is attached to and made a part of
an Equipment Schedule, the terms and conditions of said written agreement shall
apply only to said Equipment Schedule and shall not apply to any other Equipment
Schedule made a part of this lease. In the event Lessee issues a purchase order
to Lessor covering Equipment to be leased hereunder, it is agreed that such
purchase order is issued for purposes of authorization and Lessee's internal use
only, and none of its terms and conditions shall modify the terms and conditions
of this lease and/or related documentation, or affect Lessor's responsibility to
Lessee as defined in this lease. An executed Equipment Schedule that
incorporates by reference the terms of this Master Lease Agreement, marked
"Original", shall be the original of this lease for the Equipment described
therein for all purposes. All other executed counterparts of this lease shall be
marked "Duplicate." To the extent this lease constitutes chattel paper, as such
term is defined in the Uniform Commercial Code of the applicable jurisdiction,
no security interest in this lease may be created through the transfer of
possession of any counterpart other than the Original of this lease. Lessor
reserves the right to charge Lessee fees for its provision of additional
administrative services related to this lease requested by Lessee. Lessee shall
provide Lessor with such corporate resolutions, opinions of counsel, financial
statements, and other documents (including documents for filing or recording) as
Lessor may request from time to time. LESSEE HEREBY APPOINTS LESSOR OR ITS
ASSIGNEE ITS TRUE AND LAWFUL ATTORNEY IN FACT TO EXECUTE ON BEHALF OF LESSEE ALL
UNIFORM COMMERCIAL CODE FINANCING STATEMENTS OR OTHER DOCUMENTS WHICH, IN
LESSOR'S DETERMINATION, ARE NECESSARY TO SECURE LESSOR'S INTEREST IN SAID
EQUIPMENT. The filing of UCC Financing Statements is precautionary and shall not
be evidence that this lease is intended as security. If for any reason this
agreement is determined not to be a lease, Lessee hereby grants Lessor a
security interest in this lease, the Equipment or collateral pertaining thereto
and the proceeds thereof, including release, sale or disposition of the
Equipment or other collateral. If more than one Lessee is named in this lease,
the liability of each shall be joint and several. Time is of the essence with
respect to this lease. Lessee represents and warrants that the Equipment is
being leased hereunder for business purposes. The descriptive headings which are
used in this lease are for convenience of the parties only and shall not affect
the meaning of any provision of this lease. Any failure of the Lessor to require
strict performance by the Lessee or any waiver by Lessor of any provision herein
shall not be construed as a consent or waiver of any other breach of the same or
of any other provision. This agreement shall be governed by the laws of the
state of California (without giving effect to principles of conflicts of law
thereof).

31. LESSEE'S REPRESENTATIONS; WAIVER OF JURY TRIAL. Lessee represents and
warrants, as of the date of this lease: (a) Lessee is duly organized,
validly existing and in good standing under the laws of the state of its
incorporation or organization, and is duly qualified to do business wherever
necessary to carry on its present business and operations and to own its
property; (b) this lease and any equipment schedule entered into pursuant to
this lease) has been duly authorized by all necessary action on the part of
Lessee, duly executed and delivered by authorized officers or agents of Lessee,
does not require any further shareholder or partner approval, does not require
the approval of, or the giving notice to, any federal, state, local or foreign
governmental authority, does not contravene any law binding on Lessee or
contravene any certificate or articles of incorporation or by-laws or
partnership certificate or agreement, or any agreement, indenture or other
instruments to which Lessee is a party or by which it or any of its assets or
property may be bound; (c) this lease (and any Equipment Schedule entered into
pursuant to this lease) constitutes the legal, valid and binding obligation of
Lessee and is enforceable in accordance with its terms; (d) all credit and
financial information, and all other information submitted to Lessor at any time
is true and correct, and there does not exist any pending or threatened action
or proceeding before any court or administrative agency which might materially
adversely affect Lessee's financial condition or operations; (e) Lessee agrees
to furnish to Lessor (i) as soon as available, and in any event within 120 days
after the last day of each fiscal year of Lessee, a copy of the financial
statements of Lessee as of the end of such fiscal year, certified by an
independent certified public accounting firm; (ii) as soon as available, and in
any event within 60 days after the last day of each quarter of Lessee's fiscal
year, a copy of quarterly financial statements certified by the principal
financial officer of Lessee; and (iii) such additional information concerning
Lessee as Lessor may reasonably request. LESSEE AND LESSOR HEREBY IRREVOCABLY
WAIVE THE RIGHT TO TRIAL BY JURY OF ANY CAUSE OF ACTION, CLAIM, COUNTERCLAIM OR
CROSS-COMPLAINT IN ANY ACTION OR PROCEEDING TO WHICH LESSEE AND/OR LESSOR MAY BE
A PARTY ON ANY MATTER WHATSOEVER BASED UPON, ARISING OUT OF, OR IN ANY WAY
PERTAINING OR RELATED TO, OR CONNECTED WITH, THIS LEASE OR ANY OTHER AGREEMENT
OR INSTRUMENT EXECUTED IN CONNECTION HEREWITH OR ANY OBLIGATIONS HEREUNDER OR
THEREUNDER. THIS WAIVER IS KNOWINGLY, WILLINGLY AND VOLUNTARILY MADE BY LESSEE
AND LESSOR, WHO ACKNOWLEDGE THAT NO REPRESENTATIONS HAVE BEEN MADE BY ANY
INDIVIDUAL TO INDUCE THIS WAIVER OF TRIAL BY JURY OR IN ANY WAY TO MODIFY OR
NULLIFY ITS EFFECT. THIS WAIVER SHALL APPLY TO ANY AMENDMENTS, RENEWALS,
SUPPLEMENTS OR MODIFICATIONS TO THIS LEASE OR SUCH OTHER AGREEMENTS OR
INSTRUMENTS.

32. GOOD FAITH DEPOSIT REQUIREMENT. Lessee agrees, with respect to each
transaction, to pay the Good Faith Deposit specified in Lessor's proposal for
such transaction or in the Equipment Schedule related thereto. This Good Faith
Deposit is given in consideration for Lessor's costs and expenses in
investigating and appraising and/or establishing credit for Lessee. This Good
Faith Deposit shall not be refunded unless Lessor declines to accept Lessee's
offer to enter into this lease. Upon Lessor's acceptance of Lessee's offer to
enter into this lease, unless otherwise specified in the proposal or Equipment
Schedule, the amount shall be applied to the first period's rent payment. Lessee
acknowledges that Lessor's act of depositing any Good Faith Deposit into
Lessor's bank account shall not in itself constitute Lessor's acceptance of
Lessee's offer to enter into this lease.

IN WITNESS WHEREOF, the parties have executed this Master Lease Agreement
effective as of the first date it is executed by Lessee below.

<TABLE>
<CAPTION>
<S>                                                                 <C>
Mellon US Leasing, a Division of Mellon                             RMH TELESERVICES, INC.
Leasing Corporation (LESSOR)                                        ----------------------- (LESSEE)      TITLE       DATE

                                                                    By                                    DIR-
Name   /s/ [ILLLEGIBLE]                                                                                   FINANCIAL   03/28/01
       -------------------------------                              X /s/ Jack Todes                       ANALYSIS
                                                                      ---------------------------------------------------------
Title  MGR Syndications                                              By
       -------------------------------
                                                                    X
                                                                      ---------------------------------------------------------

HOME OFFICE: 525 MARKET STREET Suite 3500                           ------------------------(CO-LESSEE)   TITLE       DATE
SAN FRANCISCO, CA 94105-2743 (415)538-7100                          By

Not valid unless executed by Lessor at Lessor's                     X
home office                                                           ---------------------------------------------------------
</TABLE>

                        A Mellon Financial Company[SM]

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