Document:

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                                                                   Exhibit 10.20

                               SECURITY AGREEMENT
                               ------------------

     THIS SECURITY AGREEMENT (this "Agreement") is made as of this 8th day of
August, 2001, by and between RMH TELESERVICES, INC. (the "Grantor"), with an
address at 40 Morris Avenue, Bryn Mawr, Pennsylvania and PNC BANK, NATIONAL
ASSOCIATION (the "Bank"), with an address at 1000 Westlakes Drive, Berwyn,
Pennsylvania.

     Under the terms hereof, the Bank desires to obtain and the Grantor desires
to grant the Bank security for all of the Obligations (as hereinafter defined).

     NOW, THEREFORE, the Grantor and the Bank, intending to be legally bound,
hereby agree as follows:

     1.  Definitions.
         -----------

         (a)     "Collateral" shall include all personal property of the
Grantor, including the following, all whether now owned or hereafter acquired or
arising and wherever located: (i) accounts, accounts receivable, contract
rights, chattel paper, notes receivable, securities entitlements, securities
accounts, investment property, depository accounts, instruments and documents
(including warehouse receipts); (ii) goods of every nature, including inventory,
stock-in-trade, raw materials, work in process, items held for sale or lease or
furnished or to be furnished under contracts of sale or lease, goods that are
returned, reclaimed or repossessed, together with materials used or consumed in
the Grantor's business; (iii) equipment, including machinery, vehicles,
furniture and fixtures; (iv) general intangibles, of every kind and description,
including all existing and future customer lists, choses in action, claims
(including claims for indemnification or breach of warranty), books, records,
patents and patent applications, copyrights, trademarks, tradenames,
tradestyles, trademark applications, goodwill, blueprints, drawings, designs and
plans, trade secrets, contracts, licenses, license agreements, formulae, tax and
any other types of refunds, returned and unearned insurance premiums, rights and
claims under insurance policies, and computer information, software, source
codes, object codes, records and data; (v) all property of the Grantor now or
hereafter in the Bank's possession or in transit to or from, under the custody
or control of or on deposit with, the Bank or any affiliate thereof, including
deposit and other accounts; (vi) all deposit accounts, cash and cash
equivalents; and (vii) all cash and non-cash proceeds (including insurance
proceeds) of all of the foregoing property, all products thereof and all
additions and accessions thereto, substitutions therefor and replacements
thereof. The Collateral shall also include any and all other tangible or
intangible property that is described as being part of the Collateral pursuant
to one or more Riders to Security Agreement that may now or in the future, be
attached hereto or delivered in connection herewith, including the Rider to
Security Agreement - Copyrights, the Rider to Security Agreement - Patents, the
Rider to Security Agreement - Trademarks and the Rider to Security Agreement -
Cash Collateral Account.

         (b)     "Loan Documents" means, collectively, this Agreement, that
certain letter agreement dated March 21, 1997, between the Grantor and the Bank
as amended from time to time (collectively, "Credit Agreement") any and all
notes evidencing the Obligations and all related documents, instruments and
agreements.

         (c)     "Obligations" shall include all loans, advances, debts,
liabilities, obligations, covenants and duties owing from the Grantor to the
Bank or to any other direct or indirect

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subsidiary of PNC Bank Corp., of any kind or nature, present or future
(including any interest accruing thereon after maturity, or after the filing of
any petition in bankruptcy, or the commencement of any insolvency,
reorganization or like proceeding relating to the Grantor, whether or not a
claim for post-filing or post-petition interest is allowed in such proceeding),
whether or not evidenced by any note, guaranty or other instrument, whether
arising under any agreement, instrument or document, whether or not for the
payment of money, whether arising by reason of an extension of credit, opening
of a letter of credit, loan, equipment lease or guarantee, under any interest or
currency swap, future, option or other interest rate protection or similar
agreement, or in any other manner, whether arising out of overdrafts on deposit
or other accounts or electronic funds transfers (whether through automated
clearing houses or otherwise) or out of the Bank's non-receipt of or inability
to collect funds or otherwise not being made whole in connection with depository
transfer check or other similar arrangements, whether direct or indirect
(including those acquired by assignment or participation), absolute or
contingent, joint or several, due or to become due, now existing or hereafter
arising, including, without limitation, all debts, liabilities and obligations
under the Loan Documents, and any amendments, extensions, renewals or increases
and all costs and expenses of the Bank incurred in the documentation,
negotiation, modification, enforcement, collection or otherwise in connection
with any of the foregoing, including reasonable attorneys' fees and expenses.

         (d)     "UCC" means the Uniform Commercial Code, as adopted and enacted
and as  in effect from time to time in the State whose law governs pursuant to
the Section of this Agreement entitled "Governing Law and Jurisdiction".  Terms
used herein which are defined in the UCC and not otherwise defined herein shall
have the respective meanings ascribed to such terms in the UCC.

     2.  Grant of Security Interest.  To secure the Obligations, the Grantor, as
         --------------------------
debtor, hereby assigns and grants to the Bank, as secured party, a continuing
lien on and security interest in the Collateral.

     3.  Change in Name.  The Grantor hereby agrees that if Grantor changes its
         --------------
name or form or jurisdiction of organization, Grantor will immediately notify
the Bank in writing of the additions or changes.  The Grantor's chief executive
office, places of business, form of organization, organizational identification
number and jurisdiction of organization are also shown on Exhibit "A" hereto.

     4.  Representations and Warranties.  The Grantor represents, warrants and
         ------------------------------
covenants to the Bank that:  (a) the Grantor has good, marketable and
indefeasible title to the Collateral, has not made any prior sale, pledge,
encumbrance, assignment or other disposition of any of the Collateral, and the
Collateral is free from all encumbrances and rights of setoff of any kind except
the lien in favor of the Bank created by this Agreement and the encumbrances
listed on Exhibit "B"; (b) the Grantor will defend the Collateral against all
claims and demands of all persons at any time claiming the same or any interest
therein; (c) each account and general intangible, if included in the definition
of Collateral, is genuine and enforceable in accordance with its terms and the
Grantor will defend the same against all claims, demands, setoffs and
counterclaims at any time asserted in accordance with its current business
practices; and (d) at the time any account or general intangible becomes subject
to this Agreement, such account or general intangible will be a good and valid
account representing a bona fide sale of goods or services by the Grantor and
such goods will

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have been shipped to the respective account debtors or the services will have
been performed for the respective account debtors.

     5.  Grantor's Covenants.  The Grantor covenants that it shall:
         -------------------

         (a)  from time to time and at all reasonable times, after notice, allow
the Bank, by or through any of its officers, agents, attorneys, or accountants,
to examine or inspect the Collateral, after the occurrence and continuance of an
Event of Default, notify account debtors of the Bank's security interest in
accounts (if included in the definition of Collateral) and obtain valuations and
audits of the Collateral, at the Grantor's expense, wherever located.  The
Grantor shall do, obtain, make, execute and deliver all such additional and
further acts, things, deeds, assurances and instruments as the Bank may
reasonably require to vest in and assure to the Bank its rights hereunder and in
or to the Collateral, and the proceeds thereof, including waivers from
landlords, warehousemen and mortgagees;

         (b)  keep the Collateral in good order and repair at all times and
immediately notify the Bank of any event causing a material loss or decline in
value of the Collateral, whether or not covered by insurance, and the amount of
such loss or depreciation;

         (c)  only use or permit the Collateral to be used in accordance with
all applicable federal, state, county and municipal laws and regulations;

         (d)  have and maintain insurance at all times with respect to all
Collateral against risks of fire (including so-called extended coverage), theft,
sprinkler leakage, and other risks (including risk of flood if any Collateral is
maintained at a location in a flood hazard zone) as the Bank may reasonably
require, in such form, in such amount, for such period and written by such
companies as may be satisfactory to the Bank in its reasonable discretion.  Each
such casualty insurance policy shall contain a standard Lender's Loss Payable
Clause issued in favor of the Bank under which all losses thereunder shall be
paid to the Bank as the Bank's interest may appear.  Such policies shall
expressly provide that the requisite insurance cannot be altered or canceled
without at least thirty (30) days prior written notice to the Bank and shall
insure the Bank notwithstanding the act or neglect of the Grantor.  Upon the
Bank's demand, the Grantor shall furnish the Bank with duplicate original
policies of insurance or such other evidence of insurance as the Bank may
require.  In the event of failure to provide insurance as herein provided, the
Bank may, at its option, obtain such insurance and the Grantor shall pay to the
Bank, on demand, the cost thereof.  Proceeds of insurance may be applied by the
Bank to reduce the Obligations or to repair or replace Collateral, all in the
Bank's reasonable discretion, provided that prior to an Even of Default,
proceeds shall be applied by the Grantor to repair or replace Collateral; and

         (e)  The Grantor shall provide written notice to the Bank of any
Commercial Tort Claim (as defined in the UCC) to which the Grantor is or becomes
a party or which otherwise inures to the benefit of the Grantor.  Such notice
shall contain a sufficient description of the Commercial Tort Claim including
the parties, the court in which the claim was commenced (if applicable), the
docket number assigned to the case (if applicable) and a detailed explanation of
the events giving rise to such claim.  The Grantor shall grant the Bank a
security interest in such Commercial Tort Claim to secure payment of the
Obligations.  The Grantor shall execute and deliver such instruments, documents
and agreements as the Bank may require in order to obtain and perfect such
security interest including, without limitation, a security agreement or
amendment to

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any existing security agreement all in form and substance satisfactory to the
Bank. The Grantor authorizes the Bank to file (without the Grantor's signature),
financing statements or amendments to existing financing statements as the Bank
deems necessary to perfect the security interest.

     6.  Negative Pledge; No Transfer.  The Grantor will not sell or offer to
         ----------------------------
sell or otherwise transfer or grant or allow the imposition of a lien or
security interest upon the Collateral (except for sales of inventory and
collections of accounts in the Grantor's ordinary course of business and except
as expressly permitted under the Credit Agreement) or use any portion thereof in
any manner inconsistent with this Agreement or with the terms and conditions of
any policy of insurance thereon.

     7.  Covenants for Accounts.  If accounts are included in the definition of
         ----------------------
Collateral:

         (a)  The Grantor will, on the Bank's demand, make notations on its
books and records showing the Bank's security interest and make available to the
Bank completion certificates or other proof of the satisfactory performance of
services that gave rise to an account, a copy of the invoice for each account
and copies of any written contract or order from which an account arose.  The
Grantor shall promptly notify the Bank if an account becomes evidenced or
secured by an instrument or chattel paper and upon the Bank's request, will
promptly deliver any such instrument or chattel paper to the Bank, including any
letter of credit delivered to the Grantor to support a shipment of inventory by
the Grantor.

         (b)  From time to time with such frequency as the Bank may reasonably
request, the Grantor will report to the Bank all credits given to account
debtors on all accounts.

         (c)  During the continuance of an Event of Default, the Grantor will
immediately notify the Bank if any account arises out of contracts with the
United States or any department, agency or instrumentality thereof, and will
execute any instruments and take any steps required by the Bank so that all
monies due and to become due under such contract shall be assigned to the Bank
and notice of the assignment given to and acknowledged by the appropriate
government agency or authority under the Federal Assignment of Claims Act.

         (d)  At any time after the occurrence and during the continuance of an
Event of Default, and without notice to the Grantor, the Bank may direct any
persons who are indebted to the Grantor on any Collateral consisting of accounts
or general intangibles to make payment directly to the Bank of the amounts due.
The Bank is authorized to give receipts to such account debtors for any such
payments and the account debtors will be protected in making such payments to
the Bank.  After an occurrence and during the continuance of an Event of
Default, upon the Bank's written request, the Grantor will establish with the
Bank and maintain a lockbox account ("Lockbox") with the Bank and a depository
account(s) ("Cash Collateral Account") with the Bank subject to the provisions
of this subparagraph and such other related agreements as the Bank may require,
and the Grantor shall notify its account debtors to remit payments directly to
the Lockbox.  Thereafter, funds collected in the Lockbox shall be transferred to
the Cash Collateral Account, and funds in the Cash Collateral Account shall be
applied by the Bank, daily, to reduce the outstanding Obligations.

     8.  Further Assurances.  At the Bank's request, the Grantor will join with
         ------------------
the Bank in executing one or more initial financing statements or amendment
statements pursuant to the UCC

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in form satisfactory to the Bank and will pay the cost of preparing and filing
the same in all jurisdictions in which such filing is deemed by the Bank to be
necessary or desirable in order to perfect, preserve and protect its security
interests. The Grantor authorizes the Bank, at any time and from time to time,
to file initial financing statements or amendment statements that (a) indicate
the Collateral (i) as all assets of the Grantor or words of similar effect,
regardless of whether any particular assets comprised in the Collateral fall
within the scope of Article 9 of the UCC, or (ii) as being of an equal or lesser
scope, and (b) contain any other information required by Part 5 of Article 9 of
the UCC for the sufficiency or filing office acceptance of any financing
statement or amendment. A carbon, photographic or other copy of this Agreement
or of a UCC financing statement may be filed as and in lieu of a UCC financing
statement. At the Bank's request, the Grantor will execute, in form satisfactory
to the Bank, a Rider to Security Agreement -Copyrights (if any Collateral
consists of registered or unregistered copyrights), a Rider to Security
Agreement - Patents (if any Collateral consists of patents or patent
applications), a Rider to Security Agreement - Trademarks (if any Collateral
consists of trademarks, tradenames, tradestyles or trademark applications). If
any Collateral consists of depository accounts not maintained with the Bank or
one of its affiliates, or any securities entitlement, securities account or
other investment property, then at the Bank's request the Grantor will execute,
and will cause the depository institution or securities intermediary upon whose
books and records the ownership interest of the Grantor in such Collateral
appears, such Pledge Agreements, Notification and Control Agreements or other
agreements as the Bank deems necessary in order to perfect and protect its
security interest in such Collateral, in each case in a form satisfactory to the
Bank.

     9.  Events of Default.  The Grantor shall, at the Bank's option, be in
         -----------------
default under this Agreement upon the happening of any of the following events
or conditions (each, an "Event of Default"):  (a) any Event of Default (as
defined in any of the Loan Documents); (b) an uninsured material loss, theft,
damage, or destruction to any of the Collateral, or the entry of any judgment
against the Grantor or any lien against or the making of any levy, seizure or
attachment of or on the Collateral; (c) the failure of the Bank to have a
perfected first priority security interest in the Collateral; or (d) any
indication or evidence received by the Bank that the Grantor may have directly
or indirectly been engaged in any type of activity which, in the Bank's
discretion, might result in the forfeiture of any property of the Grantor to any
governmental entity, federal, state or local.

     10. Remedies.  Upon the occurrence of any such Event of Default and at any
         --------
time thereafter during the continuance thereof, the Bank may declare all
Obligations secured hereby immediately due and payable and shall have, in
addition to any remedies provided herein or by any applicable law or in equity,
all the remedies of a secured party under the UCC. The Bank's remedies include,
but are not limited to, the right to (a) peaceably by its own means or with
judicial assistance enter the Grantor's premises and take possession of the
Collateral without prior notice to the Grantor or the opportunity for a hearing,
(b) render the Collateral unusable, (c) dispose of the Collateral on the
Grantor's premises, (d) require the Grantor to assemble the Collateral and make
it available to the Bank at a place designated by the Bank, and (e) notify the
United States Postal Service to send the Grantor's mail to the Bank.  Unless the
Collateral is perishable or threatens to decline speedily in value or is of a
type customarily sold on a recognized market, the Bank will give the Grantor
reasonable notice of the time and place of any public sale thereof or of the
time after which any private sale or any other intended disposition thereof is
to be made.  The requirements of commercially reasonable notice shall be met if
such notice is sent to the Grantor at least five (5) days before the time of the
intended sale or disposition.  Expenses of retaking, holding, preparing for
sale, selling or the like shall include the Bank's reasonable attorney's fees
and legal expenses, incurred

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or expended by the Bank to enforce any payment due it under this Agreement
either as against the Grantor, or in the prosecution or defense of any action,
or concerning any matter growing out of or connection with the subject matter of
this Agreement and the Collateral pledged hereunder. The Grantor waives all
relief from all appraisement or exemption laws now in force or hereafter
enacted.

     11.  Power of Attorney.  The Grantor does hereby make, constitute and
          -----------------
appoint any officer or agent of the Bank as the Grantor's true and lawful
attorney-in-fact, with power to (a) endorse the name of the Grantor or any of
the Grantor's officers or agents upon any notes, checks, drafts, money orders,
or other instruments of payment or Collateral that may come into the Bank's
possession in full or part payment of any Obligations; (b) during the
continuance of an Event of Default, sue for, compromise, settle and release all
claims and disputes with respect to, the Collateral; and (c) sign, for the
Grantor, financing, continuation or amendment statements pursuant to the UCC, or
supplemental intellectual property security agreements; granting to the
Grantor's said attorney full power to do any and all things necessary to be done
in and about the premises as fully and effectually as the Grantor might or could
do.  The Grantor hereby ratifies all that said attorney shall lawfully do or
cause to be done by virtue hereof.  This power of attorney is coupled with an
interest, and is irrevocable.

     12.  Payment of Expenses.  At its option, the Bank may, after notice to the
          -------------------
Grantor, discharge taxes, liens, security interests or such other encumbrances
as may attach to the Collateral, may pay for required insurance on the
Collateral and may pay for the maintenance, appraisal or reappraisal, and
preservation of the Collateral, as determined by the Bank to be necessary.  The
Grantor will reimburse the Bank on demand for any payment so made or any
reasonable expense incurred by the Bank pursuant to the foregoing authorization,
and the Collateral also will secure any advances or payments so made or expenses
so incurred by the Bank.

     13.  Notices.  All notices, demands, requests, consents, approvals and
          -------
other communications required or permitted hereunder must be in writing and will
be effective upon receipt.  Such notices and other communications may be hand
delivered, sent by facsimile transmission with confirmation of delivery and a
copy sent by first-class mail, or sent by nationally recognized overnight
courier service, to a party's address set forth above or to such other address
as any party may give to the other in writing for such purpose.

     14.  Preservation of Rights.  No delay or omission on the Bank's part to
          ----------------------
exercise any right or power arising hereunder will impair any such right or
power or be considered a waiver of any such right or power, nor will the Bank's
action or inaction impair any such right or power.  The Bank's rights and
remedies hereunder are cumulative and not exclusive of any other rights or
remedies which the Bank may have under other agreements, at law or in equity.

     15.  Illegality.  In case any one or more of the provisions contained in
          ----------
this Agreement should be invalid, illegal or unenforceable in any respect, the
validity, legality and enforceability of the remaining provisions contained
herein shall not in any way be affected or impaired thereby.

     16.  Changes in Writing.  No modification, amendment or waiver of any
          ------------------
provision of this Agreement nor consent to any departure by the Grantor
therefrom will be effective unless made in a writing signed by the Bank, and
then such waiver or consent shall be effective only in the specific instance and
for the purpose for which given.  No notice to or demand on the Grantor in

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any case will entitle the Grantor to any other or further notice or demand in
the same, similar or other circumstance.

     17.  Entire Agreement.  This Agreement (including the documents and
          ----------------
instruments referred to herein) constitutes the entire agreement and supersedes
all other prior agreements and understandings, both written and oral, between
the parties with respect to the subject matter hereof.

     18.  Counterparts.  This Agreement may be signed in any number of
          ------------
counterpart copies and by the parties hereto on separate counterparts, but all
such copies shall constitute one and the same instrument.  Delivery of an
executed counterpart of signature page to this Agreement by facsimile
transmission shall be effective as delivery of a manually executed counterpart.
Any party so executing this Agreement by facsimile transmission shall promptly
deliver a manually executed counterpart, provided that any failure to do so
shall not affect the validity of the counterpart executed by facsimile
transmission.

     19.  Successors and Assigns.  This Agreement will be binding upon and inure
          ----------------------
to the benefit of the Grantor and the Bank and their respective heirs,
executors, administrators, successors and assigns; provided however, that the
                                                   -------- -------
Grantor may not assign this Agreement in whole or in part without the Bank's
prior written consent and the Bank at any time may assign this Agreement in
whole or in part.

     20.  Interpretation.  In this Agreement, unless the Bank and the Grantor
          --------------
otherwise agree in writing, the singular includes the plural and the plural the
singular; words importing any gender include the other genders; references to
statutes are to be construed as including all statutory provisions
consolidating, amending or replacing the statute referred to; the word "or"
shall be deemed to include "and/or", the words "including", "includes" and
"include" shall be deemed to be followed by the words "without limitation";
references to articles, sections (or subdivisions of sections) or exhibits are
to those of this Agreement unless otherwise indicated.  Section headings in this
Agreement are included for convenience of reference only and shall not
constitute a part of this Agreement for any other purpose.  If this Agreement is
executed by more than one Grantor, the obligations of such persons or entities
will be joint and several.

     21.  Indemnity.  The Grantor agrees to indemnify each of the Bank, its
          ---------
directors, officers and employees and each legal entity, if any, who controls
the Bank (the "Indemnified Parties") and to hold each Indemnified Party harmless
from and against any and all claims, damages, losses, liabilities and expenses
(including all fees and charges of internal or external counsel with whom any
Indemnified Party may consult and all expenses of litigation or preparation
therefor) which any Indemnified Party may incur or which may be asserted against
any Indemnified Party as a result of the execution of or performance under this
Agreement; provided however, that the foregoing indemnity agreement shall not
           -------- -------
apply to claims, damages, losses, liabilities and expenses solely attributable
to an Indemnified Party's gross negligence or willful misconduct.  The indemnity
agreement contained in this Section shall survive the termination of this
Agreement.  The Grantor may participate at its expense in the defense of any
such claim.

     22.  Release of Security Interest.  Upon the full payment and termination
          ----------------------------
of the Line of Credit (as defined in the Loan Documents), the Bank's security
interest in the Collateral shall no longer secure the Borrower's debts,
liabilities and obligations pursuant to that certain Master Lease

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Agreement and any Schedules thereto by and between the Grantor and PNC Leasing
LLC dated as of March 3, 1997.

     23.  Governing Law and Jurisdiction.  This Agreement has been delivered to
          ------------------------------
and accepted by the Bank and will be deemed to be made in the State where the
Bank's office indicated above is located. This Agreement will be interpreted and
the rights and liabilities of the parties hereto determined in accordance with
the laws of the State where the Bank's office indicated above is located, except
that the laws of the State where any Collateral is located (if different from
the State where such office of the Bank is located) shall govern the creation,
perfection and foreclosure of the liens created hereunder on such property or
any interest therein. The Grantor hereby irrevocably consents to the exclusive
jurisdiction of any state or federal court in the county or judicial district
where the Bank's office indicated above is located; provided that nothing
contained in this Agreement will prevent the Bank from bringing any action,
enforcing any award or judgment or exercising any rights against the Grantor
individually, against any security or against any property of the Grantor within
any other county, state or other foreign or domestic jurisdiction. The Bank and
the Grantor agree that the venue provided above is the most convenient forum for
both the Bank and the Grantor. The Grantor waives any objection to venue and any
objection based on a more convenient forum in any action instituted under this
Agreement.

     24.  WAIVER OF JURY TRIAL.  EACH OF THE GRANTOR AND THE BANK IRREVOCABLY
          --------------------
WAIVES ANY AND ALL RIGHT IT MAY HAVE TO A TRIAL BY JURY IN ANY ACTION,
PROCEEDING OR CLAIM OF ANY NATURE RELATING TO THIS AGREEMENT, ANY DOCUMENTS
EXECUTED IN CONNECTION WITH THIS AGREEMENT OR ANY TRANSACTION CONTEMPLATED IN
ANY OF SUCH DOCUMENTS. THE GRANTOR AND THE BANK ACKNOWLEDGE THAT THE FOREGOING
WAIVER IS KNOWING AND VOLUNTARY.

WITNESS the due execution hereof as a document under seal, as of the date first
written above.

                                             RMH TELESERVICES, INC.

                                             By: /s/ Scot Brunke
                                                ----------------------------
                                             Name: Scot Brunke
                                                ----------------------------
                                             Title: CFO
                                                ----------------------------

                                             PNC BANK, NATIONAL ASSOCIATION

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

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                                  EXHIBIT "A"
                             TO SECURITY AGREEMENT

     Grantor's form of organization and jurisdiction of organization, if not a
natural person:

                           Pennsylvania Corporation

     Address of Grantor's chief executive office, including the County:

                           40 Morris Avenue
                           Bryn Mawr, Montgomery County
                           Pennsylvania 19010

     Address for books and records, if different:

                           40 Morris Avenue
                           Bryn Mawr, Montgomery County
                           Pennsylvania 19010

     Addresses of other Collateral locations, including Counties and name and
address of landlord or owner if location is not owned by the Grantor:

                           See Schedule 1 attached hereto.

     Organization ID number: 773135<PAGE>

                                                                   Exhibit 10.21

                       GUARANTY AND SURETYSHIP AGREEMENT

     THIS GUARANTY AND SURETYSHIP AGREEMENT (this "Guaranty") is made and
entered into as of this 8th day of August, 2001, by TELESERVICES TECHNOLOGY
COMPANY (the "Guarantor"), with an address at 300 Delaware Avenue, Wilmington
DE, in consideration of the extension of credit by PNC BANK, NATIONAL
ASSOCIATION (the "Bank"), with an address at 1000 Westlakes Drive, Berwyn,
Pennsylvania, to RMH TELESERVICES, INC. (the "Borrower"), and other good and
valuable consideration, the receipt and sufficiency of which are hereby
acknowledged.

     1.  Guaranty of Obligations.  The Guarantor hereby guarantees, and becomes
         -----------------------
surety for, the prompt payment and performance of all loans, advances, debts,
liabilities, obligations, covenants and duties owing by the Borrower to the Bank
or to any other direct or indirect subsidiary of PNC Bank Corp., of any kind or
nature, present or future (including any interest accruing thereon after
maturity, or after the filing of any petition in bankruptcy, or the commencement
of any insolvency, reorganization or like proceeding relating to the Borrower,
whether or not a claim for post-filing or post-petition interest is allowed in
such proceeding), whether or not evidenced by any note, guaranty or other
instrument, whether arising under any agreement, instrument or document, whether
or not for the payment of money, whether arising by reason of an extension of
credit, opening of a letter of credit, loan, equipment lease or guarantee, under
any interest or currency swap, future, option or other interest rate protection
or similar agreement, or in any other manner, whether arising out of overdrafts
on deposit or other accounts or electronic funds transfers (whether through
automated clearing houses or otherwise) or out of the Bank's non-receipt of or
inability to collect funds or otherwise not being made whole in connection with
depository transfer check or other similar arrangements, whether direct or
indirect (including those acquired by assignment or participation), absolute or
contingent, joint or several, due or to become due, now existing or hereafter
arising, including without limitation, all debts, liabilities, and obligations
arising under that certain letter agreement dated March 21, 1997, as amended
between Borrower and Bank (collectively, "Credit Agreement") and all other
instruments, documents and agreements related thereto (collectively, with the
Credit Agreement, "Loan Documents") and any amendments, extensions, renewals or
increases and all costs and expenses of the Bank incurred in documentation,
negotiation, modification, enforcement, collection or otherwise in connection
with any of the foregoing, including reasonable attorneys' fees and expenses
(hereinafter referred to collectively as the "Obligations"). If the Borrower
defaults under any such Obligations, the Guarantor will pay the amount due to
the Bank.

     2.  Nature of Guaranty; Waivers.  This is a guaranty of payment and not of
         ---------------------------
collection and the Bank shall not be required, as a condition of the Guarantor's
liability, to make any demand upon or to pursue any of its rights against the
Borrower, or to pursue any rights which may be available to it with respect to
any other person who may be liable for the payment of the Obligations.

                                       1

<PAGE>

     This is an absolute, unconditional, irrevocable and continuing guaranty and
will remain in full force and effect until all of the Obligations have been
indefeasibly paid in full, and the Bank has terminated this Guaranty. This
Guaranty will remain in full force and effect even if there is no principal
balance outstanding under the Obligations at a particular time or from time to
time. This Guaranty will not be affected by any surrender, exchange, acceptance,
compromise or release by the Bank of any other party, or any other guaranty or
any security held by it for any of the Obligations, by any failure of the Bank
to take any steps to perfect or maintain its lien or security interest in or to
preserve its rights to any security or other collateral for any of the
Obligations or any guaranty, or by any irregularity, unenforceability or
invalidity of any of the Obligations or any part thereof or any security or
other guaranty thereof. The Guarantor's obligations hereunder shall not be
affected, modified or impaired by any counterclaim, set-off, deduction or
defense based upon any claim the Guarantor may have against the Borrower or the
Bank, except payment or performance of the Obligations.

     Notice of acceptance of this Guaranty, notice of extensions of credit to
the Borrower from time to time, notice of default, diligence, presentment,
notice of dishonor, protest, demand for payment, and any defense based upon the
Bank's failure to comply with the notice requirements of the applicable version
of Uniform Commercial Code (s) 9-504 are hereby waived. The Guarantor waives all
defenses based on suretyship or impairment of collateral.

     The Bank at any time and from time to time, without notice to or the
consent of the Guarantor, and without impairing or releasing, discharging or
modifying the Guarantor's liabilities hereunder, may (a) change the manner,
place, time or terms of payment or performance of or interest rates on, or other
terms relating to, any of the Obligations; (b) renew, substitute, modify, amend
or alter, or grant consents or waivers relating to any of the Obligations, any
other guaranties, or any security for any Obligations or guaranties; (c) apply
any and all payments by whomever paid or however realized including any proceeds
of any collateral, to any Obligations of the Borrower in such order, manner and
amount as the Bank may determine in its sole discretion; (d) settle, compromise
or deal with any other person, including the Borrower or the Guarantor, with
respect to any Obligations in such manner as the Bank deems appropriate in its
sole discretion; (e) substitute, exchange or release any security or guaranty;
or (f) take such actions and exercise such remedies hereunder as provided
herein.

     3.  Repayments or Recovery from the Bank. If any demand is made at any time
         ------------------------------------
upon the Bank for the repayment or recovery of any amount received by it in
payment or on account of any of the Obligations and if the Bank repays all or
any part of such amount by reason of any judgment, decree or order of any court
or administrative body or by reason of any settlement or compromise of any such
demand, the Guarantor will be and remain liable hereunder for the amount so
repaid or recovered to the same extent as if such amount had never been received
originally by the Bank. The provisions of this section will be and remain
effective notwithstanding any contrary action which may have been taken by the
Guarantor in reliance upon such payment, and any such contrary action so taken
will be without prejudice to the Bank's rights hereunder and will be deemed to
have been conditioned upon such payment having become final and irrevocable.

                                       2

<PAGE>

     4.  Financial Statements. Unless compliance is waived in writing by the
         --------------------
Bank or until all of the Obligations have been paid in full, the Guarantor will
promptly submit within ten (10) days of the Bank's request, to the Bank such
information relating to the Guarantor's affairs (including but not limited to
annual financial statements and tax returns for the Guarantor) or any security
for the Guaranty as the Bank may reasonably request.

     5.  Enforceability of Obligations. No modification, limitation or discharge
         -----------------------------
of the Obligations arising out of or by virtue of any bankruptcy, reorganization
or similar proceeding for relief of debtors under federal or state law will
affect, modify, limit or discharge the Guarantor's liability in any manner
whatsoever and this Guaranty will remain and continue in full force and effect
and will be enforceable against the Guarantor to the same extent and with the
same force and effect as if any such proceeding had not been instituted. The
Guarantor waives all rights and benefits which might accrue to it by reason of
any such proceeding and will be liable to the full extent hereunder,
irrespective of any modification, limitation or discharge of the liability of
the Borrower that may result from any such proceeding.

     6.  Events of Default. The occurrence of any of the following shall be an
         -----------------
"Event of Default":  (i) any Event of Default (as defined in any of the Loan
Documents); (ii) the Guarantor's failure to perform any of its obligations
hereunder within the required time periods; (iii) the falsity, inaccuracy or
material breach by the Guarantor of any written warranty, representation or
statement made or furnished to the Bank by or on behalf of the Guarantor; or
(iv) the termination or attempted termination of this Guaranty.  Upon the
occurrence of any Event of Default, (a) the Guarantor shall pay to the Bank the
amount of the Obligations; or (b) on demand of the Bank, the Guarantor shall
immediately deposit with the Bank, in U.S. dollars, all amounts due or to become
due under the Obligations, and the Bank may at any time use such funds to repay
the Obligations; or (c) the Bank in its discretion may exercise with respect to
any collateral any one or more of the rights and remedies provided a secured
party under the applicable version of the Uniform Commercial Code; or (d) the
Bank in its discretion may exercise from time to time any other rights and
remedies available to it at law, in equity or otherwise.

     7.  Right of Setoff. In addition to all liens upon and rights of setoff
         ---------------
against the Guarantor's money, securities or other property given to the Bank by
law, the Bank shall have, with respect to the Guarantor's obligations to the
Bank under this Guaranty and to the extent permitted by law, a contractual
possessory security interest in and a contractual right of setoff against, and
the Guarantor hereby assigns, conveys, delivers, pledges and transfers to the
Bank all of the Guarantor's right, title and interest in and to, all of the
Guarantor's deposits, moneys, securities and other property now or hereafter in
the possession of or on deposit with, or in transit to, the Bank or any other
direct or indirect subsidiary of PNC Bank Corp., whether held in a general or
special account or deposit, whether held jointly with someone else, or whether
held for safekeeping or otherwise, excluding, however, all IRA, Keogh, and trust
accounts.  Every such security interest and right of setoff may be exercised
without demand upon or notice to the Guarantor.  Every such right of setoff
shall be deemed to have been exercised immediately upon the occurrence of an
Event of Default hereunder without any action of the Bank, although the Bank may
enter such setoff on its books and records at a later time.

                                       3

<PAGE>

     8.   Collateral. This Guaranty is secured by the property described in any
          ----------
collateral security documents which the Guarantor executes and delivers to the
Bank and by such other collateral as previously may have been or may in the
future be granted to the Bank to secure any obligations of the Guarantor to the
Bank.

     9.   Costs.  To the extent that the Bank incurs any costs or expenses in
          -----
protecting or enforcing its rights under the Obligations or this Guaranty,
including reasonable attorneys' fees and the costs and expenses of litigation,
such costs and expenses will be due on demand, will be included in the
Obligations and will bear interest from the incurring or payment thereof at the
Default Rate (as defined in any of the Obligations).

     10.  Postponement of Subrogation.  Until the Obligations are indefeasibly
          ---------------------------
paid in full, the Guarantor postpones and subordinates in favor of the Bank any
and all rights which the Guarantor may have to (a) assert any claim against the
Borrower based on subrogation rights with respect to payments made hereunder,
and (b) any realization on any property of the Borrower, including participation
in any marshalling of the Borrower's assets.

     11.  Power to Confess Judgment.  The Guarantor hereby empowers any attorney
          -------------------------
of any court of record, after the occurrence of any Event of Default hereunder,
to appear for the Guarantor and, with or without complaint filed, confess
judgment, or a series of judgments, against the Guarantor in favor of the Bank
for the amount of the Obligations and an attorney's commission of the greater of
10% of such principal and interest or $1,000 added as a reasonable attorney's
fee, and for doing so, this Guaranty or a copy verified by affidavit shall be a
sufficient warrant. The Guarantor hereby forever waives and releases all errors
in said proceedings and all rights of appeal and all relief from any and all
appraisement, stay or exemption laws of any state now in force or hereafter
enacted.

     No single exercise of the foregoing power to confess judgment, or a series
of judgments, shall be deemed to exhaust the power, whether or not any such
exercise shall be held by any court to be invalid, voidable, or void, but the
power shall continue undiminished and it may be exercised from time to time as
often as the Bank shall elect until such time as the Bank shall have received
payment in full of the Obligations and costs.  Notwithstanding the attorney's
commission provided for in the preceding paragraph (which is included in the
warrant for purposes of establishing a sum certain), the amount of attorneys'
fees that the Bank may recover from the Guarantor shall not exceed the actual
attorneys' fees incurred by the Bank.

     12.  Notices.  All notices, demands, requests, consents, approvals and
          -------
other communications required or permitted hereunder must be in writing and will
be effective upon receipt.  Such notices and other communications may be hand-
delivered, sent by facsimile transmission with confirmation of delivery and a
copy sent by first-class mail, or sent by nationally recognized overnight
courier service, to the addresses for the Bank and the Guarantor set forth above
or to such other address as one may give to the other in writing for such
purpose.

     13.  Preservation of Rights.  No delay or omission on the Bank's part to
          ----------------------
exercise any right or power arising hereunder will impair any such right or
power or be considered a waiver of

                                       4

<PAGE>

any such right or power, nor will the Bank's action or inaction impair any such
right or power. The Bank's rights and remedies hereunder are cumulative and not
exclusive of any other rights or remedies which the Bank may have under other
agreements, at law or in equity. The Bank may proceed in any order against the
Borrower, the Guarantor or any other obligor of, or collateral securing, the
Obligations.

     14.  Illegality.  In case any one or more of the provisions contained in
          ----------
this Guaranty should be invalid, illegal or unenforceable in any respect, the
validity, legality and enforceability of the remaining provisions contained
herein shall not in any way be affected or impaired thereby.

     15.  Changes in Writing.  No modification, amendment or waiver of any
          ------------------
provision of this Guaranty nor consent to any departure by the Guarantor
therefrom will be effective unless made in a writing signed by the Bank, and
then such waiver or consent shall be effective only in the specific instance and
for the purpose for which given.  No notice to or demand on the Guarantor in any
case will entitle the Guarantor to any other or further notice or demand in the
same, similar or other circumstance.

     16.  Entire Agreement.  This Guaranty (including the documents and
          ----------------
instruments referred to herein) constitutes the entire agreement and supersedes
all other prior agreements and understandings, both written and oral, between
the Guarantor and the Bank with respect to the subject matter hereof; provided,
however, that this Guaranty is in addition to, and not in substitution for, any
other guarantees from the Guarantor to the Bank.

     17.  Successors and Assigns.  This Guaranty will be binding upon and inure
          ----------------------
to the benefit of the Guarantor and the Bank and their respective heirs,
executors, administrators, successors and assigns; provided however, that the
                                                   -------- -------
Guarantor may not assign this Guaranty in whole or in part without the Bank's
prior written consent and the Bank at any time may assign this Guaranty in whole
or in part.

     18.  Interpretation.  In this Guaranty, unless the Bank and the Guarantor
          --------------
otherwise agree in writing, the singular includes the plural and the plural the
singular; references to statutes are to be construed as including all statutory
provisions consolidating, amending or replacing the statute referred to; the
word "or" shall be deemed to include "and/or", the words "including", "includes"
and "include" shall be deemed to be followed by the words "without limitation";
and references to sections or exhibits are to those of this Guaranty unless
otherwise indicated.  Section headings in this Guaranty are included for
convenience of reference only and shall not constitute a part of this Guaranty
for any other purpose.  If this Guaranty is executed by more than one party as
Guarantor, the obligations of such persons or entities will be joint and
several.

     19.  Indemnity.  The Guarantor agrees to indemnify each of the Bank, its
          ---------
directors, officers and employees and each legal entity, if any, who controls
the Bank (the "Indemnified Parties") and to hold each Indemnified Party harmless
from and against any and all claims, damages, losses, liabilities and expenses
(including all fees and charges of internal or external counsel with whom any
Indemnified Party may consult and all expenses of litigation or preparation
therefor) which any Indemnified Party may incur or which may be asserted against

                                       5

<PAGE>

any Indemnified Party as a result of the execution of or performance under this
Guaranty; provided, however, that the foregoing indemnity agreement shall not
          --------  -------
apply to claims, damages, losses, liabilities and expenses solely attributable
to an Indemnified Party's gross negligence or willful misconduct.  The indemnity
agreement contained in this Section shall survive the termination of this
Guaranty.  The Guarantor may participate at its expense in the defense of any
such claim.

     20.  Governing Law and Jurisdiction.  This Guaranty has been delivered to
          ------------------------------
and accepted by the Bank and will be deemed to be made in the State where the
Bank's office indicated above is located. This Guaranty will be interpreted and
the rights and liabilities of the Bank and the Guarantor determined in
accordance with the laws of the State where the Bank's office indicated above is
located, excluding its conflict of laws rules. The Guarantor hereby irrevocably
consents to the exclusive jurisdiction of any state or federal court in the
county or judicial district where the Bank's office indicated above is located;
provided that nothing contained in this Guaranty will prevent the Bank from
bringing any action, enforcing any award or judgment or exercising any rights
against the Guarantor individually, against any security or against any property
of the Guarantor within any other county, state or other foreign or domestic
jurisdiction. The Guarantor acknowledges and agrees that the venue provided
above is the most convenient forum for both the Bank and the Guarantor. The
Guarantor waives any objection to venue and any objection based on a more
convenient forum in any action instituted under this Guaranty.

     21.  Equal Credit Opportunity Act.  If the Guarantor is not an "applicant
          ----------------------------
for credit" under Section 202.2 (e) of the Equal Credit Opportunity Act of 1974
("ECOA"), the Guarantor acknowledges that (i) this Guaranty has been executed to
provide credit support for the Obligations, and (ii) the Guarantor was not
required to execute this Guaranty in violation of Section 202.7(d) of the ECOA.

     22.  Waiver of Jury Trial.  The Guarantor irrevocably waives any and all
          --------------------
right the Guarantor may have to a trial by jury in any action, proceeding or
claim of any nature relating to this Guaranty, any documents executed in
connection with this Guaranty or any transaction contemplated in any of such
documents.  The Guarantor acknowledges that the foregoing waiver is knowing and
voluntary.

     The Guarantor acknowledges that it has read and understood all the
provisions of this Guaranty, including the confession of judgment and waiver of
jury trial, and has been advised by counsel as necessary or appropriate.

     WITNESS the due execution hereof as a document under seal, as of the date
first written above, with the intent to be legally bound hereby.

                        [SIGNATURES ON FOLLOWING PAGE]

                                       6

<PAGE>

                                        TELESERVICES TECHNOLOGY COMPANY

Dated:   8/22/2001                      By:  /s/ Jack Todes
      -----------------                    -----------------------------
                                        Print Name:   Jack Todes
                                                   ---------------------
                                        Title:  Chairman
                                              --------------------------

                                       7

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