Document:

SEPARATION AGREEMENT AND GENERAL RELEASE

  
 Exhibit 10.21 
  
 July 8, 2002 
  
 Mr. Robert
Berwanger 
 4606 Merchant Square 
 Lansdale, Pa, 19446 
  
 Re:    Separation Agreement and
General Release 
  
 Dear Bob: 
  
 We are interested in resolving amicably your separation of employment with RMH Teleservices, Inc. (“RMH”), effective June 21, 2002. Toward this end, we propose
the following Separation Agreement, which includes a General Release. 
  
 You may consider our offer for twenty-one
(21) days. If you need a reasonable amount of additional time, it will be granted upon request. You are encouraged to review this Agreement with an attorney. 
  
 The proposed terms and conditions of your separation from employment are as follows: 
  
 1.    In consideration for your General Release set forth below in Paragraph 2, the Company agrees, intending to be legally bound: 
  
 (a)    to pay you the gross sum of Six Hundred Sixty-Six Thousand Six Hundred Sixty-Six Dollars and Sixty-Six Cents ($666,666.66), less taxes and other
deductions required by law, which is the equivalent of twenty (20) months of your Base Salary. This payment will be made to you in equal bi-weekly installments beginning within fourteen (14) days of the expiration of the Revocation Period set forth
below, and ending twenty (20) months thereafter, so long as you execute and do not revoke this Agreement; and  
  
 (b)    to allow you to keep the portion of the 2002 Annual Bonus you have been paid since February 2002. 
  
 2.    In consideration for the Company’s payment set forth above in Paragraph 1, you agree, intending to be legally bound: 
  

(a)    to release and forever discharge the Company and its related or affiliated companies, and each of their past, present and future officers,
directors, owners, shareholders, employees, managers, attorneys and agents, and their respective successors and assigns (collectively “Releasees”), jointly and severally, from any and all actions, complaints, charges, causes of action,
lawsuits or claims of any kind (collectively “Claims”), known or unknown, which you, your heirs, agents, successors or assigns ever had, now have or hereafter may have against Releasees arising heretofore out of any matter, occurrence or
event existing or occurring prior to the execution hereof, including, without limitation: any claims relating to or arising out of your employment with and/or termination of employment by the Company and/or any of its related and/or affiliated
companies; any 

  
 claims for unpaid or withheld wages, severance, benefits, insurance premiums, all bonuses, commissions
and/or other compensation of any kind; any claims arising out of or relating to your Employment Agreement dated March 18, 1998 and your Term Sheet, dated January 30, 2002; any claims for attorneys’ fees, costs or expenses; any claims of
discrimination and/or harassment based on age, sex, race, religion, color, creed, disability, handicap, citizenship, national origin, ancestry, sexual preference or orientation, or any other factor prohibited by Federal, State or Local law (such as
the Age Discrimination in Employment Act, 29 U.S.C. §621 et. seq., Title VII of the Civil Rights Act of 1964, as amended, the Americans with Disabilities Act, and the Pennsylvania Human Relations Act); any claims regarding the stock and
options you were granted, including but not limited to claims regarding vesting; any claims for retaliation and/or any whistleblower claims; and/or any other statutory or common law claims, now existing or hereinafter recognized, including, but not
limited to, breach of contract, libel, slander, fraud, wrongful discharge, promissory estoppel, equitable estoppel and misrepresentation; 
  
 (b)    that you have not filed or caused to be filed any lawsuit or complaint with respect to any claim you are releasing in this Agreement. Should any such lawsuit, complaint or charge be filed in the
future, you agree that you will not accept relief or recovery there from, unless the lawsuit or complaint is for the Company’s breach of this Agreement. Notwithstanding anything in this Agreement to the contrary, nothing herein shall: (a)
prevent or restrict you from cooperating with any federal or state governmental authority; (b) prevent or restrict you from assisting any such authority in its investigative or fact-finding activities; or (c) waive your right to file a charge with
any such authority, provided that the relief requested would confer no direct personal benefit on you;  
  
 (c)    to make your self available, while collecting any compensation from the Company, to help provide information or other assistance to the Company, by telephone, to transition your workload and knowledge. (The
maximum time commitment on your part will be ten hours per month); 
  
 (d)    not to deprecate or
disparage, in any manner, the Company, any other Releasee or the services, products, actions and/or business of the Company or any other Releasee; and 
  
 (e)    to execute the Non-Competition, Non-Solicitation and Confidentiality Agreement attached as Exhibit “A” to this Agreement. 
  
 3.    The General Release in Paragraph 2 above does not apply to any claims to enforce this Agreement or to any claims
arising out of any matter, occurrence or event occurring after the execution of this Agreement. 
  
 4.    You acknowledge and agree that the Company’s payment under Paragraph 1 above is not required by any policy, plan or prior agreement and constitutes adequate consideration to support your General Release
in Paragraph 2 above. 
  
 5.    Regardless of whether you execute this Agreement: 

 
 (a)    Your last day of employment was June 21, 2002. 

  
 (b)    You will be eligible to continue to participate in the
Company’s group health plan at your expense pursuant to COBRA, subject to COBRA’s eligibility requirements and other terms, conditions, restrictions and exclusions, as of July 1, 2002. 
  

(c)    You have been paid for all days actually worked prior to the termination of your employment. 
  
 (d)    You hereby acknowledge that, during and solely as a result of your employment with Company, you had access to
Confidential Information as that term is defined herein. In consideration of such special and unique opportunities afforded by Company to you as a result of your employment and the other benefits you were given while employed by the Company, as well
as within your prior Employment Agreement and this Agreement, you hereby agreed and are still bound by Sections 11 and 12 of your Employment Agreement (dated March 18, 1998) which survived the expiration of the Employment Agreement and your
employment and legally bind you as follows: 
  
 (i)    From the date your employment with the
Company began, until six (6) months after June 21, 2002, (“Restricted Period A”), you shall not, for your own benefit or the benefit of any third party, directly or indirectly engage in (as a principal, shareholder, partner, director,
officer, agent, employee, consultant or otherwise) or be financially interested in any business operating within the United States or Canada (the “Restricted Area”), which provides telemarketing services materially the same as the services
Company provides to third parties, or any other business activities which are materially the same as and which are in direct competition with the Business, or with any business activities carried on by Company or being planned by Company, at the
time of the termination of your employment, or any other business activities which are materially the same as the Business for any of the Company’s past, present or prospective clients, customers or accounts; provided however, nothing contained
in this section shall prevent you from holding for investment less than five percent (5%) of any class of equity securities of a company whose securities are publicly traded on a national securities exchange or in a national market system.

  
 (ii)    From the date your employment with the Company began until twenty-four (24) months
after June 21, 2002 (“Restricted Period B”), you shall not, for your own benefit or the benefit of any third party, directly or indirectly, induce or attempt to influence any employee, customer, client, independent contractor or supplier
of Company to terminate, modify or any way alter employment or any other relationship with Company. 
  
 (iii)    During your employment and forever thereafter, you shall not use for your personal benefit, or disclose, communicate or divulge to, or use for the direct or indirect benefit of any person, firm,
association or company other than Company, any “Confidential Information” which term shall mean any information regarding the business methods, business policies, policies, procedures, techniques, research or development projects or
results, historical or projected financial information, budgets, trade secrets, or other knowledge or processes of or developed by Company or any names and addresses of customers or clients or any data on or relating to past, present or prospective
Company customers or clients or any other confidential information relating to or dealing with the business operations or activities of Company, made known to you or learned or acquired by you while in the employ of Company. Confidential Information
shall not include (1) information unrelated to the Company which was lawfully received by you free of restriction from another source having the right to so furnish such Confidential Information; or (2) information after it has become 

  
 generally available to the public without breach of this Agreement by you; or (3) information which at
the time of disclosure to you was known to you to be free of restriction as evidenced by documentation from Company which you possess, or (4) information which Company agrees in writing is free of such restrictions. All memoranda, notes, lists,
records, files, documents and other papers and other like items (and all copies, extracts and summaries thereof) made or compiled by you or made available to you concerning the business of Company shall be Company’s property and shall be
delivered to Company promptly upon the termination of your employment with Company. The foregoing provisions of this Subsection 5(e)(iii) applied during your employment, will apply forever thereafter and shall be in addition to (and not a limitation
of) any legally applicable protections of Company’s interest in confidential information, trade secrets and the like. 
  
 (iv)    To immediately return to the Company all originals and copies of Confidential Information in any medium, including computer tapes and other forms of data storage, as well as any other company equipment/
property such as lap top computers, cell phone and credit cards. 
  
 (v)    That any and all
writings, inventions, improvements, processes, procedures and/or techniques which you made, conceived, discovered or developed, either solely or jointly with any other person or persons, at any time when you were an employee of Company, whether or
not during working hours and whether or not at the request or upon the suggestion of Company, which relate to or are useful in connection with the Business or with any business now or hereafter carried on or contemplated by Company, including
developments or expansions of its present fields of operations, shall be the sole and exclusive property of Company. Before executing this Agreement, you shall make full disclosure to Company of all such writings, inventions, improvements,
processes, procedures and techniques, and shall do everything necessary or desirable to vest the absolute title thereto in Company. You shall write and prepare all specifications and procedures regarding such inventions, improvements, processes,
procedures and techniques and otherwise aid and assist Company so that Company can prepare and present applications for copyright or Letters Patent therefor and can secure such copyright or Letters Patent wherever possible, as well as reissues,
renewals, and extensions thereof, and can obtain the record title to such copyright or patents so that Company shall be the sole and absolute owner thereof in all countries in which it may desire to have copyright or patent protection. You shall not
be entitled to any additional or special compensation or reimbursement regarding any and all such writings, inventions, improvements, processes, procedures and techniques. 
  
 (vi)    That the restrictions contained in the foregoing subparagraphs, in view of the nature of the business in which Company is engaged, are
reasonable and necessary in order to protect the legitimate interests of Company, that their enforcement will not impose a hardship on you or significantly impair your ability to earn a livelihood, and that any violation thereof would result in
irreparable injuries to Company. You and Company acknowledge that, in the event either party believes the other party has violated any of the terms of this Agreement, the other party shall be entitled to seek from any court of competent
jurisdiction, without attempting arbitration, preliminary and permanent injunctive relief. 
  
 (vii)    If the Restricted Periods (“A” or “B”) or the Restricted Area specified in Subsections above should be adjudged unreasonable in any proceeding, then the period of time shall be reduced
by such amount or the area shall be reduced by the elimination of such portion or both such 

  
 reductions shall be made so that such restrictions may be enforced for such time and in such area as is
adjudged to be reasonable. If you violate any of the restrictions contained in the foregoing Subsections, you understand and agree that the relevant Restricted Period shall be extended by a period equal to the length of time from the commencement of
any such violation until such time as such violation shall be cured by you to the satisfaction of Company. You hereby expressly consent to the jurisdiction of any court within the Eastern District of Pennsylvania for the purpose of seeking a
preliminary or permanent injunction as described above, and agree to accept service of process by mail relating to any such proceeding. Company may supply a copy of this Agreement to any future or prospective employer of yours or to any person to
whom you have supplied information if Company determines in good faith that there is a reasonable likelihood that you have violated or will violate such Section. 
  
 (f)    Your vested and non-vested stock options will be treated as per the applicable plans and documents. No acceleration will occur. 
  
 (g)    You were never granted additional options under the January 30, 2002 Term Sheet or thereafter since the grant
of such additional options was never approved by the Board. 
  
 6.    Except as expressly
provided for in this Agreement, you shall not be eligible for any compensation from the Company or Company-paid benefits subsequent to the termination of your employment. Your coverage under the Company’s group plans, including the health
insurance plan, ceased as of June 30, 2002. 
  
 7.    You agree that, at all times, the
existence, terms and conditions of this Agreement will be kept secret and confidential and will not be disclosed voluntarily to any third party, except to the extent required by law, to enforce the Agreement or to obtain confidential legal, tax or
financial advice with respect thereto. 
  
 8.    You agree that you will not apply for employment
or reemployment with the Company or any related or affiliated company. 
  
 9.    This Agreement
shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania. 
  
 10.    Nothing in this Agreement shall be construed as an admission or concession of liability or wrongdoing by the Company or any other Releasee as defined above. Rather, the proposed Agreement is being offered
for the sole purpose of settling amicably any and all possible disputes between the parties. 

  
 11.    In the event you breach this Agreement by bringing a
Claim released pursuant to Paragraph 2 above, you shall indemnify and hold harmless Releasees as defined above for any attorneys’ fees, costs or expenses which may be incurred in defending the released Claim. Notwithstanding the foregoing, the
General Release set forth in Paragraph 2 above shall remain in full force and effect. 
  
 12.    If any provision of this Agreement is deemed unlawful or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. 
  
 13.    This Agreement constitutes the entire agreement between the parties and supersedes any and all prior
agreements, written or oral, expressed or implied, including but not limited to the Term Sheet dated January 30, 2002, and the March 18, 1998 Employment Agreement, except for the covenants contained in Paragraphs 11 and 12 of such Employment
Agreement which provisions survive the termination of your employment and are incorporated herein by reference. 
  
 14.    You agree and represent that: 
  
 (a)    You have read
carefully the terms of this Agreement, including the General Release; 
  
 (b)    You have had an
opportunity to and have been encouraged to review this Agreement, including the General Release, with an attorney; 
  
 (c)    You understand the meaning and effect of the terms of this Agreement, including the General Release; 
  
 (d)    You were given as much time as you needed to determine whether you wished to enter into this Agreement, including the General Release; 
  
 (e)    The entry into and execution of this Agreement, including the General Release, is of your own free and
voluntary act without compulsion of any kind; 
  
 (f)    No promise or inducement not expressed
herein has been made to you; and 
  
 (g)    You have adequate information to make a knowing and
voluntary waiver. 
  
 15.    If you sign this Agreement, you will retain the right to revoke it
for seven (7) days. The Agreement shall not be effective until after the Revocation Period has expired. To revoke this Agreement, you must send a certified letter to my attention. The letter must be post-marked within 7 days of your execution of
this Agreement. (The Company shall have no obligations under Paragraph 1 above until after the Revocation Period has expired, provided that you do not revoke the Agreement in a timely manner in accordance with this Paragraph.) 

 
 * * * 
  
 If you agree with the proposed terms as set forth above, please sign this letter indicating that you understand, agree with and intend to be bound by such terms. 

  
 We wish you the best in the future. 
  
 
	 Sincerely,
 
	 
	 /s/ John A. Fellows            
 

	 John A. Fellows
 

 
  
 
	 UNDERSTOOD AND AGREED,
 INTENDING TO BE LEGALLY BOUND:
 
	 
	 /s/ Robert Berwanger
 

	 Robert Berwanger
 
	 
	 

	 Date
 
	 
	 

	 Witness
 

 

  
 EXHIBIT “A” 
  

NON-COMPETITION, NON-SOLICITATION 
 AND CONFIDENTIALITY AGREEMENT

  
 You, Robert Berwanger, hereby acknowledge that, during and solely as a result of your employment with RMH
Teleservices, Inc., (“Company”), you had access to Confidential Information as that term is defined herein. In consideration of such special and unique opportunities afforded by Company to you as a result of your employment and the other
benefits you were given while employed by Company, as well as the severance and additional consideration described within the attached Severance Agreement and General Release, you agree, intending to be legally bound: 
  
 (i)    From the date of your termination from the Company until twenty (20) months thereafter, (“Restricted
Period A”), you shall not, for your own benefit or the benefit of any third party, directly or indirectly engage in (as a principal, shareholder, partner, director, officer, agent, employee, consultant or otherwise) or be financially interested
in any business operating within the United States or Canada (the “Restricted Area”), which provides telemarketing services materially the same as the services Company provides to third parties, or any other business activities which are
materially the same as and which are in competition with the Business, or with any business activities carried on by Company or being planned by Company, at the time of the termination of your employment, or any other business activities which are
materially the same as the Business for any of the Company’s past, present or prospective clients, customers or accounts; provided however, nothing contained in this section shall prevent you from holding for investment less than five percent
(5%) of any class of equity securities of a company whose securities are publicly traded on a national securities exchange or in a national market system. 
  
 (ii)    From the date of your termination from the Company until twenty-four (24) months thereafter (“Restricted Period B”), you shall not, for your own benefit or the
benefit of any third party, directly or indirectly, induce or attempt to influence any employee, customer, client, independent contractor, supplier or potential employee, customer, client, independent contractor or supplier of Company to terminate,
modify or in any way alter employment or any other relationship with Company. 
  
 (iii)    During
your employment and forever thereafter, you shall not use for your personal benefit, or disclose, communicate or divulge to, or use for the direct or indirect benefit of any person, firm, association or company other than Company, any
“Confidential Information” which term shall mean any information regarding the business methods, business policies, policies, procedures, techniques, research or development projects or results, historical or projected financial
information, budgets, trade secrets, or other knowledge or processes of or developed by Company or any names and addresses of customers or clients or any data on or relating to past, present or prospective Company customers or clients or any other
confidential information relating to or dealing with the business operations or activities of Company, made known to you or learned or acquired by you while in the employ of Company. Confidential Information shall not include (1) information
unrelated to the Company which was lawfully received by you free of restriction from another source having the right to so furnish such Confidential Information; or (2) information after it has become generally available to the public without breach
of this Agreement by you; or (3) information which at the time of disclosure to you was known to you to be free of restriction as evidenced by documentation from 

  
 Company which you possess, or (4) information which Company agrees in writing is free of such
restrictions. All memoranda, notes, lists, records, files, documents and other papers and other like items (and all copies, extracts and summaries thereof) made or compiled by you or made available to you concerning the business of Company shall be
Company’s property and shall be delivered to Company promptly upon the termination of your employment with Company. The foregoing provisions will apply forever thereafter and shall be in addition to (and not a limitation of) any legally
applicable protections of Company’s interest in confidential information, trade secrets and the like. 
  
 (iv)    To immediately return to the Company all originals and copies of Confidential Information in any medium, including computer tapes and other forms of data storage, as well as all company property /
equipment such as lap tops, cell phone and credit cards. 
  
 (v)    That any and all writings,
inventions, improvements, processes, procedures and/or techniques which you made, conceived, discovered or developed, either solely or jointly with any other person or persons, at any time when you were an employee of Company, whether or not during
working hours and whether or not at the request or upon the suggestion of Company, which relate to or are useful in connection with the Business or with any business now or hereafter carried on or contemplated by Company, including developments or
expansions of its present fields of operations, shall be the sole and exclusive property of Company. Before executing this Agreement, you shall make full disclosure to Company of all such writings, inventions, improvements, processes, procedures and
techniques, and shall do everything necessary or desirable to vest the absolute title thereto in Company. You shall write and prepare all specifications and procedures regarding such inventions, improvements, processes, procedures and techniques and
otherwise aid and assist Company so that Company can prepare and present applications for copyright or Letters Patent therefore and can secure such copyright or Letters Patent wherever possible, as well as reissues, renewals, and extensions thereof,
and can obtain the record title to such copyright or patents so that Company shall be the sole and absolute owner thereof in all countries in which it may desire to have copyright or patent protection. You shall not be entitled to any additional or
special compensation or reimbursement regarding any and all such writings, inventions, improvements, processes, procedures and techniques. 
  
 (vi)    That the restrictions contained in the foregoing Subparagraphs, in view of the nature of the business in which Company is engaged, are reasonable and necessary in order to protect the legitimate
interests of Company, that their enforcement will not impose a hardship on you or significantly impair your ability to earn a livelihood, and that any violation thereof would result in irreparable injuries to Company. You and Company acknowledge
that, in the event either party believes the other party has violated any of the terms of this Agreement, the other party shall be entitled to seek from any court of competent jurisdiction, without attempting arbitration, preliminary and permanent
injunctive relief. 
  
 (vii)    If the Restricted Periods (“A” or “B”) or the
Restricted Area specified in Subparagraphs above should be adjudged unreasonable in any proceeding, then the period of time shall be reduced by such amount or the area shall be reduced by the elimination of such portion or both such reductions shall
be made so that such restrictions may be enforced for such time and in such area as is adjudged to be reasonable. If you violate any of the restrictions contained in the foregoing Subsections, you understand and agree that the relevant Restricted
Period shall be extended by a period equal to the length of time from the commencement of any such violation until such time as such violation shall be cured by you to the satisfaction of Company. You hereby expressly consent to the 

  
 jurisdiction of any court within the Eastern District of Pennsylvania for the purpose of seeking a
preliminary or permanent injunction as described above, and agree to accept service of process by mail relating to any such proceeding. Company may supply a copy of this Agreement to any future or prospective employer of yours or to any person to
whom you have supplied information if Company determines in good faith that there is a reasonable likelihood that you have violated or will violate such Section. 
  
 
	 UNDERSTOOD AND AGREED,
 INTENDING TO BE LEGALLY BOUND:
 
	 
	 /s/ Robert Berwanger
 

	 Robert Berwanger
 
	 
	 

	 Date
 
	 
	 

	 WitnessEMPLOYMENT TERMS AND GENERAL RELEASE

  
 Exhibit 10.22 
  
 September 16, 2002 
  
 Mr.
Michael Scharff 
 409 Militia Drive 
 Lansdale, PA 19446 
  
 Re:    Employment Terms and General
Release 
  
 Dear Mike: 
  
 As you know, your Employment Agreement with RMH Teleservices, Inc. (“the Company”) expired on August 31, 2002. Nevertheless, we would like you to continue working
for the Company under the revised terms and conditions described below. 
  
 You may consider our offer for twenty-one
(21) days. If you need a reasonable amount of additional time, it will be granted upon request. You are encouraged to review this Agreement with your attorney. 
  
 The proposed terms and conditions of your continued employment are as follows: 
  
 1.    In consideration for your General Release set forth below in paragraph 2, the Company agrees, intending to be legally bound; 
  
 (a)   to pay you the gross sum of One Hundred and Eighty Thousand Dollars ($180,000.00), minus applicable taxes and other withholdings, for your continued
employment from September 1, 2002 through August 2003 so long as you execute and do not revoke this Agreement. This payment will be made to you in four (4) equal installments. The first installment will be made within ten (10) days of the
Company’s receipt of the executed original of this Agreement. The other installments will be made on December 1, 2002, March 1, 2003 and June 1, 2003, so long as you execute and do not revoke the Agreement by such time; 
  
 (b)   to pay you $90,000, minus applicable taxes and other withholdings, on or about September 15, 2003, if you execute another
general Release Agreement (within 21 days of August 15, 2003), releasing the Company and the other Releasees, as defined below, from any and all liability, have not violated the non-competition or confidentiality provisions of your prior Employment
Agreement and continue to be available and willing to work for the Company through August, 2004; 
  
 (c)  
to pay the “Designated Percentage” of the premiums associated with your continued participation in the Company’s group health plan under the Consolidated Omnibus Budget Reconciliation Act (“COBRA”), until the earlier of: (a)
February 28, 2004, (b) you are eligible for coverage as an employee under another employer’s group medical plans, (c) the terms, conditions and restrictions of COBRA do not allow such continued COBRA coverage for you, or (d) the Company
discontinues all of its group medical plans. (For purposes of this 

 

  
 paragraph, the term “Designated-Percentage” refers to the portion of your insurance premium
which the Company paid while you were an active employee of the Company); and 
  
 (d)   allow you to
continue your employment with the Company through August 2004, unless in the Company’s reasonable belief, there is cause for your termination at an earlier time. Cause is defined as the Company’s reasonable belief that you have:

  
 (i)    breached or neglected the material duties that you are required to perform under the
terms of this Agreement, including if you perform your duties in an incompetent manner. 
  
 (ii)    engaged in a felony or a crime of moral turpitude or that you have entered a plea of nolo contendere (or similar plea) to a charge of such an offense; 
  

(iii)    used alcohol or any unlawful controlled substance while performing your duties under this Agreement and/or if such use materially
interferes with the performance of your duties under this Agreement; 
  
 (iv)    committed any
act of criminal fraud, material dishonesty or misappropriation relating to or involving the Company; 
  
 (v)    materially violated a rule(s), regulation(s), policy(ies) or plan(s) governing your performance or an express 
 direction(s) of the
Board governing your performance; 
  
 (vi)    engaged in the unauthorized disclosure of
Confidential Information; or 
  
 (vii)    acted in a manner that is materially contrary to the
best interest of the Company. 
  
 (e)    allow you to remain covered under the Company’s
group life insurance policy through August 2004, so long as (i) the policy stays in existence throughout such time, (ii) your coverage is permitted under the terms, conditions and restrictions of the Plan, and (iii) Unum provides the Company with
written authorization of your eligibility for continued coverage under the existing Plan. 
  
 (f) to
pay any premiums under the Section 162 Executive Bonus Plan for you (Policy 9605245) through December 15, 2003. 
  
 2.    In consideration for the Company’s payment set forth above in Paragraph 1, you agree, intending to be legally bound: 
  
 (a)    to release and forever discharge the Company and its related or affiliated companies, and each of their past, present and future officers,
directors, shareholders, attorneys, employees, owners and agents, and their respective successors and assigns (collectively “Releasees”), jointly and severally, from any and all actions, complaints, charges, causes of action, lawsuits or
claims of any kind (collectively “Claims”), known or unknown, which you, 

 
 -2- 

  
 your heirs, agents, successors or assigns ever had, now have or hereafter may have against Releasees
arising heretofore out of any matter, occurrence or event existing or occurring prior to the execution hereof, including, without limitation: any claims relating to or arising out of your employment with and/or termination of employment by the
Company on August 31, 2004; any claims regarding or in any way relating to the Employment Agreement you executed on August 27, 1998 and which expired (except for paragraphs 11 and 12 which survive the expiration of Employment Agreement) on August
31, 2002; any claims related to workers’ compensation; any claims related to your getting or not getting any promotions or alternate positions for which you have applied or believe you were qualified or eligible; any claims for unpaid or
withheld wages, severance, unused paid time off, benefits, bonuses, commissions and/or other compensation of any kind including the provision of such payments under previous employment agreements which are now expired; any claims regarding the
Section 162 Executive Bonus Plan; any claims related to the Life Insurance Policy under which the Company paid your premiums in the past; any claims of retaliation; any claims for attorneys’ fees, costs or expenses; any claims of
discrimination and/or harassment based on age, sex, race, religion, color, creed, disability, handicap, citizenship, national origin, ancestry, sexual preference or orientation, or any other factor prohibited by Federal, State or Local law (such as
the Age Discrimination in Employment Act, 29 U.S.C. (s) 621 et. seq., Title VII of the Civil Rights Act of 1964, as amended, the Americans with Disabilities Act, the Pennsylvania Human Relations Act and the City of Philadelphia’s
Fair Practice Ordinance); any claims for retaliation and/or any whistleblower claims; and/or any other statutory or common law claims, now existing or hereinafter recognized, including, but not limited to, breach of contract, libel, slander, fraud,
wrongful discharge, promissory estoppel, equitable estoppel and misrepresentation. 
  
 (b)    not
to disclose any confidential information relating to the Company or any of its affiliates which you acquired in the course of your employment with the Company which is not generally known by and readily accessible to the public. This confidential
information includes, but is not limited to: customer and client lists; marketing, business and legal plans, procedures and strategies; pricing plans and/or operating or accounting procedures of the Company or any of its affiliates. (This
restriction shall not be construed to preclude you from disclosing confidential information pursuant to an order of a court, administrative tribunal or arbitration panel. However, immediately upon receipt of notice of any proceeding in which you may
be required to give testimony which involves the Company or any of its affiliates, directly or indirectly, you shall inform, in writing, the Executive Vice President of Human Resources of the Company of the existence of the proceeding so that the
Company can seek an appropriate protective order.) 
  
 (c)    that you have not filed or caused
to be filed any lawsuit or complaint with respect to any claim you are releasing in this Agreement. Should any such lawsuit, complaint or charge be filed in the future, you agree that you will not accept relief or recovery there from, unless the
lawsuit or complaint is for the Company’s breach of this Agreement. Notwithstanding anything in this Agreement to the contrary, nothing herein shall: (i) prevent or restrict you from cooperating with any federal or state governmental authority;
(ii) prevent or restrict you from assisting any such authority in its investigative or fact-finding activities; or (iii) waive your right to file a charge with any such authority, provided that the relief requested would confer no direct personal
benefit on you. 

 
 -3- 

  
 (d)  to withdraw with prejudice any and all claims, charges and cause
of actions against the Company and/or any of the Releasees, including but not limited to the EEOC and the PHRC. 
  
 (e)  that all provisions, obligations and promises under the Employment Agreement you executed on August 27, 1998 (“Employment Agreement”) are null and void, except for (i) paragraphs 11 and 12 which survive the
Employment Agreement and apply during your employment with the Company and following your termination of employment from the Company and which covenants are incorporated by reference into this Agreement, and (ii) the 1996 Stock Incentive Plan and
the restrictive stock grant you were given on January 16, 2001. 
  
 (f)  that your employment will be
terminated by the Company as of August 31, 2004 and that until such time, you will work at the Newtown Square office as Special Project Manager. 
  
 3.      The General Release in paragraph 2 above does not apply to any claims to enforce this Agreement or to any claims arising out of any matter, occurrence or event
occurring after the execution of this Agreement. 
  
 4.      You acknowledge and agree
that the Company’s payment under paragraph 1 above, your continued employment following the end of your formal Employment Agreement (August 31, 2002), as well as the payment for your continued COBRA coverage are not required by any policy, plan
or prior agreement and constitute adequate consideration to support your General Release in paragraph 2 above. You acknowledge and agree that the consideration in paragraph 1 above is instead of and not in addition to any other consideration
(i.e., severance, wages, bonuses, fringes, other benefits you would have otherwise been entitled to under other policies, plans or agreements including but not limited to the Employment Agreement that expired on August 31, 2002) and that upon your
last date of employment, August 31, 2004, you will not be eligible for any severance, bonus or other consideration from the Company. 
  
 5.      Whether or not you execute this Agreement and General Release: 
  
 (a)  As of October 1, 2002, you will be eligible to continue to participate in the Company’s group health plan at your sole expense pursuant to COBRA, subject to COBRA’s eligibility requirements and
other terms, conditions, restrictions and exclusions. 
  
 (b)  You will be bound by the confidentiality
portion of the Confidentiality/Non-Compete Agreement you executed during your employment, as well as by paragraphs 11 and 12 of the Employment Agreement which you executed on August 17, 1998. 
  

(c)  Your Employment Agreement, executed on August 17, 1998, has expired and all provisions, except for paragraphs 11 and 12, are null and void.

  
 (d)  You will not be eligible to participate in the Company’s 401k plan at any time in the future.

  
 6.      You agree that, at all times, the existence, terms and conditions of this
Agreement will be kept secret and confidential and will not be disclosed voluntarily to any third party, 

 
 -4- 

  
 except to the extent required by law, to enforce the Agreement or to obtain confidential legal, tax or
financial advice with respect thereto. You may not discuss or state the consideration or anything which would imply that you received any settlement from RMH. 
  
 7.  You agree to pay any and all federal, state and local taxes assessed against you with respect to any consideration received pursuant to this Agreement to the extent not already withheld.
You agree to indemnify RMH and the other Releasees for any such tax liability incurred in connection with this Agreement. 
  
 8.  You agree that you will not apply for employment or reemployment with the Company or any related or affiliated company following your termination on August 31, 2004. 
  

9.  The obligations under paragraph 1 above shall cease, as will your employment, in the event that you: (1) initiate an action against the Company or any of
the other Releases with respect to a claim that has been released pursuant to paragraph 2(a) above or (2) fail to comply with the obligations set forth in paragraph 2 above and/or paragraphs 11 or 12 of the Employment Agreement, and/or (3) breach
the confidentiality provision referenced in paragraph 2 above. 
  
 10.  This Agreement shall be governed by
and construed in accordance with the laws of the Commonwealth of Pennsylvania. 
  
 11.  Nothing in this
Agreement shall be construed as an admission or concession of liability or wrongdoing by the Company or any other Releasee as defined above. Rather, the proposed Agreement is being offered for the sole purpose of settling amicably any and all
possible disputes between the parties and allowing you and the Company to continue a valuable working relationship through August 31, 2004. 
  
 12.  In the event you breach this Agreement by bringing a Claim released pursuant to paragraph 2 above, you shall indemnify and hold harmless Releasees as defined above for any
attorneys’ fees, costs or expenses which may be incurred in defending the released Claim. In the event you breach this Agreement, the General Release set forth in paragraph 2 above shall remain in full force and effect. 
  
 13.  If any provision of this Agreement is deemed unlawful or unenforceable by a court of competent jurisdiction, the remaining
provisions shall continue in full force and effect. 
  
 14.  This Agreement constitutes the entire
agreement between the parties and supersedes any and all prior agreements, written or oral, expressed or implied, except for the confidentiality provisions contained in the Confidentiality/Non-Competition Agreement you signed while employed and
paragraphs 11 and 12 of the Employment Agreement, which survive the termination of your employment and are incorporated herein by reference. 
  
 15.  Company and you covenant, acknowledge and agree that for purposes of both the Stock Award Agreement and the Stock Option Agreement, your employment with Company shall be deemed to be and
to have been continuous and uninterrupted from August 27, 1998 through the termination of this Agreement, which is expected to be August 2004, unless your employment is terminated earlier as per this Agreement. 

 
 -5- 

  
 16.   You agree that you will not, directly or indirectly,
disparage RMH or any of the other Releasees to any third party for any reason, including publishing any letters, e-mails or websites, which mentions RMH and/or any of the other Releasees, or which in any way provide confidential, negative or
disparaging information. 
  
 17.   Both parties agree that this Agreement survives a Change of Control
and that the Company’s rights could be assigned upon the Change of Control to the “new company”. Change of Control is defined to have occurred if: 
  
 (a)  any “person” as such term is used in Sections 13(d) and 14(d) of the Securities Exchange Act of 1934 (“the Exchange Act”) (other than the Company, any subsidiary of
the Company, any “person” (as defined herein) acting on behalf of the Company as underwriter pursuant to an offering who is temporarily holding securities in connection with such offering, any trustee or other fiduciary holding securities
under an executive benefit plan of the Company, or any “person” who, on the date the RMH Teleservices, Inc. 1996 Stock Incentive Plan (the “Plan”) is effective, shall have been the “beneficial owner” (as defined in Rule
13d-3 under the Exchange Act) of or have voting control over shares of capital stock of the Company possessing more than thirty percent (30%) of the combined voting power of the Company’s then outstanding securities, excluding any transactions
whereby RT Investors LLC transfers some or all of its shares to its members and excluding transfers between and among any members of RT Investors LLC) is or becomes the “beneficial owner” (as herein above defined), directly or indirectly,
of securities of the Company representing thirty percent (30%) or more of the combined voting power of the Company’s then outstanding securities; 
  
 (b)  during any period of not more than two consecutive years (not including any period prior to the date the Plan is effective), individuals who at the beginning of such period constitute
the Board of Directors, and any new director (other than a director designated by a “person” who has entered into an agreement with the Company to effect a transaction described in clause (a), (c) or (d) of this definition) whose election
by the Board of Directors or nomination for election by the Company’s shareholders was approved by a vote of at least two-thirds of the directors then still in office who either were directors at the beginning of the period or whose election or
nomination for election was previously so approved, cease for any reason to constitute at least a majority thereof; 
  
 (c)  the shareholders of the Company approve a merger or consolidation of the Company with any other corporation or other legal entity, other than (1) a merger or consolidation which would result in the voting securities of
the Company outstanding immediately prior thereto continuing to represent (either by remaining outstanding or by being converted into voting securities of the surviving entity) more than fifty percent (50%) of the combined voting power of the voting
securities of the Company or such surviving entity outstanding immediately after such merger or consolidation or (2) a merger or consolidation effected to implement a recapitalization of the Company (or similar transaction) in which no
“person”(other than a “person” who, on the date the Plan is effective, shall have been the “beneficial owner” of or have voting control over shares of capital stock of the Company possessing more than fifty percent
(50%) of the combined voting power of the Company’s then outstanding securities) acquires more than fifty percent (50%) of the combined voting power of the Company’s then outstanding securities; or 

 
 6 

  
 (d)  the shareholders of the Company approve a plan of complete
liquidation of the entire Company or an agreement for the sale or disposition by the Company of all or substantially all of the Company’s assets (or any transaction having a similar effect). 
  

18.  You agree and represent that: 
  
 (a)  You have read carefully the terms of this Agreement, including the General Release; 
  
 (b)  You have had an opportunity to and have been encouraged to review this Agreement, including the General Release, with an attorney; 
  
 (c)  You understand the meaning and effect of the terms of this Agreement, including the General Release; 
  
 (d)  You were given as much time as you needed to determine whether you wished to enter into this Agreement, including the General Release; 

 
 (e)  The entry into and execution of this Agreement, including the General Release, is of your own free and voluntary
act without compulsion of any kind; 
  
 (f)  No promise or inducement not expressed herein has been made to
you; and 
  
 (g)  You have adequate information to make a knowing and voluntary waiver. 

 
 19.    If you sign this Agreement, you will retain the right to revoke it for seven (7) days. The Agreement
shall not be effective until after the Revocation Period has expired. To revoke this Agreement, you must send a certified letter to my attention. The letter must be post-marked within 7 days of your execution of this Agreement. (RMH shall have no
obligations under paragraph 1 above until after the Revocation Period has expired, provided that you do not revoke the Agreement in a timely manner in accordance with this Paragraph.) 
  
 * * * 
  
 If you agree with the proposed terms
as set forth above, please sign this letter indicating that you understand, agree with and intend to be bound by such terms. 
  
 We wish you the best in the future. 
  
 
	 Sincerely
 
	 
	 /s/    Paul
Little            
 

	 Paul Little
 
	 Executive Vice President Human Resources
 

 
  
 UNDERSTOOD AND AGREED, 

 
 -7- 

 
	 
	 INTENDING TO BE LEGALLY BOUND:
 
	 
	 /s/    Michael Scharff            
        
 

	 Michael Scharff
 
	 
	 

	 Date
 
	 
	 

	 Witness
 

 
  

 
 -8-

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