Document:

<PAGE>

                                                                    EXHIBIT 10.5

                     SECOND AMENDMENT TO CREDIT AGREEMENT
                     ------------------------------------

     This Second Amendment to Credit Agreement ("Amendment"), dated September
28, 1999, is entered into by and among PNC Bank, National Association ("Bank"),
RMH Teleservices, Inc. ("Borrower"), and RMH Teleservices International, Inc.
("Surety").

                                  Background
                                  ----------

     A.   Borrower and Bank are parties to a certain letter agreement, dated
March 21, 1997 (as amended from time to time, "Credit Agreement"), pursuant to
which Bank established for the benefit of Borrower a line of credit in the
maximum aggregate principal amount of Four Million Dollars ($4,000,000), as
evidenced by that certain Committed Line of Credit Note, dated March 21, 1997,
executed by Borrower in favor of Bank ("Note").  Capitalized terms used but not
otherwise defined in this Amendment shall have the meanings given to such terms
in the Credit Agreement.

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

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

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

     1.   Line of Credit and Use of Proceeds.  The Credit Agreement is hereby
          ----------------------------------
amended by deleting Section 1 in its entirety and replacing it with the
following:

     1.        Line of Credit and Use of Proceeds. The first credit facility is
               ----------------------------------
          a committed revolving line of credit under which Borrower may request
          and Bank, subject to the terms and conditions of this letter, will
          make advances to the Borrower from time to time until the Expiration
          Date ("Line of Credit"). The aggregated principal amount of unpaid
          advances (including unreimbursed draws on Letters of Credit and
          outstanding and undrawn Letters of Credit) under the Line of Credit
          shall not, at any time, exceed Ten Million Dollars ($10,000,000). The
          "Expiration Date" means September 30, 2000, or such later date as may
          be designated by Bank by written notice to Borrower. Advances may be
          used for working capital or other general business purposes of the
          Borrower.

     2.   Letters of Credit.  The Credit Agreement is hereby amended by deleting
          -----------------
Section 5 in its entirety and replacing it with the following:

     5.        Letters of Credit. As part of the Line of Credit and subject to
               -----------------
          its terms and conditions, Bank shall make available to Borrower,
          letters of credit ("Letters of Credit") which shall not exceed in the
          aggregate, at any one time
<PAGE>

          outstanding or unreimbursed, $10,000,000. All Letters of Credit shall
          be in form and substance satisfactory to Bank. Borrower shall pay to
          Bank a letter of credit fee equal to one percent (1%) per annum of the
          face amount of all outstanding Letters of Credit, which shall be
          payable quarterly in arrears. Borrower shall also pay to Bank standard
          costs and fees upon the issuance, amendment, transfer or modification
          of each Letter of Credit plus any other reasonable and customary
          charges imposed by Bank for the issuance, amendment, transfer or
          modification of Letters of Credit. No Letter of Credit shall be issued
          with an expiry date later than three years from the date of issuance.
          Borrower shall execute and deliver to Bank all agreements and
          documents (including, without limitation, reimbursement agreements)
          reasonably required by Bank (collectively, "LC Documents") in
          connection with the issuance of Letters of Credit, all in form and
          substance reasonably satisfactory to Bank. Each Letter of Credit
          issued from time to time under the Line of Credit which remains
          undrawn (and the amounts of draws on Letter(s) of Credit prior to
          reimbursement as hereinafter set forth) shall reduce dollar for dollar
          the amount to be borrowed by Borrower under the Line of Credit.
          Letters of Credit shall be immediately reimbursed by Borrower when
          drawn by a cash payment by Borrower or, at the option of Bank, by Bank
          automatically making or having deemed made (without further request or
          approval of Borrower), a cash advance under the Line of Credit. The
          obligation of Borrower to reimburse Bank for drawings made under the
          Letters of Credit shall be absolute, unconditional and irrevocable and
          shall be paid strictly in accordance with the terms hereof and the LC
          Documents under all circumstances. In addition to amounts payable as
          elsewhere provided in this Section 5, without duplication, and,
          without limitation, by any terms set forth in the LC Documents,
          Borrower hereby agrees to protect, indemnify, pay and save Bank
          harmless from and against any and all claims, demands, liabilities,
          damages, losses, costs, charges and expenses (including reasonable
          attorneys' fees and costs) which Bank may incur or be subject to as a
          consequence, direct or indirect, of (i) the issuance of the Letters of
          Credit or (ii) the failure of Bank to honor a drawing under any Letter
          of Credit other than claims, demands, liabilities, damages, losses,
          costs, charges and expenses resulting solely from Bank's gross
          negligence or willful misconduct. Upon the occurrence of an Event of
          Default (as defined in the Note) and in addition to all other rights
          and remedies available to Bank, Borrower shall, upon demand of Bank,
          be obligated to deliver and pledge to Bank cash collateral (on terms
          and conditions satisfactory to Bank) in at least the amount of all
          outstanding Letters of Credit.

     3.   Fees and Expenses.  The Credit Agreement is hereby amended by adding
          -----------------
Subsection 8(c) as follows:

          (c)  Unused Commitment Fee - So long as the Line of Credit is
               ---------------------
     outstanding and has not been terminated and the obligations hereunder are
     not
<PAGE>

     satisfied in full, Borrower shall unconditionally pay to Lender a fee equal
     to one quarter of one percent (0.25%) per annum of the daily unused portion
     of the Line of Credit, which fee shall be computed on a quarterly basis in
     arrears and shall be due and payable on the first day of each fiscal
     quarter commencing on October 1, 1999.

     4.   Financial Covenants.  Exhibit "A" to the Credit Agreement is hereby
          -------------------
amended by deleting the third paragraph of Section II(b) in its entirety and
replacing it with the following:

               For purposes hereof, "EBITDA" shall mean for any period,
     Borrower's earnings before extraordinary items (including, without
     limitation, any gain or loss from Borrower's investment in "365biz.com")
     less interest income plus interest expense plus income tax expenses, plus
     ----                 ----                  ----                      ----
     depreciation expenses plus amortization expenses, all as determined in
                           ----
     accordance with GAAP.

     5.   Negative Covenants.  Exhibit "A" to the Credit Agreement is hereby
          ------------------
amended by deleting Subsections III (d) and (e) in their entirety and replacing
them with the following:

          (d)  Borrower will not, nor suffer or permit any Subsidiary to, make
     acquisitions of all or substantially all of the property or assets of any
     person, firm, corporation or other entity, except for a one time investment
     on terms and conditions satisfactory to Bank of $1,000,000 in a joint
     venture with Advanta Partners to be called "365biz.com".

          (e)  Borrower will not, nor suffer or permit any Subsidiary to, make
     or have outstanding any loans or advances to or otherwise extend credit to
     any person, firm or corporation, except: (i) accounts receivable in the
     ordinary course of business and other than advances by the Subsidiaries to
     Borrower, (ii) certain loans from Borrower to its employees, limited in
     amount to $300,000 at any time outstanding in the aggregate, (iii) certain
     loans from Borrower to Surety, limited in an amount to $2,000,000 at any
     time outstanding in the aggregate, or (iv) as otherwise permitted in
     subsections (b) or (d) above. Borrower specifically agrees, without
     limitation, that Borrower will not make or suffer or permit to exist or be
     outstanding any loans or advances to any Subsidiary, and Borrower hereby
     represents to Bank that there are no outstanding loans or advances to any
     Subsidiary as of the date hereof.

     6.   Negative Covenants.  Exhibit "A" to the Credit Agreement is hereby
          ------------------
amended by adding Subsection III(f) as follows:

          (f)  Subject to Subsection (a) above, Borrower and each of its
     subsidiaries will not incur, create or assume any commitment to make any
     direct or indirect payment, whether rent or otherwise, under any lease
     rental or other arrangement for the use of real or personal property,
     except for: (i) operating leases with Bank or its affiliates, or (ii)
     operating leases with other parties so long as the aggregate outstanding
     obligations, direct or indirect, due or to become due, under all such
     leases does not exceed $6,000,000.
<PAGE>

     7.   Payment of Fee.  In consideration of the agreements and undertakings
          --------------
of the Lender set forth in this Amendment, and contemporaneously with the
execution hereof, Borrower shall pay to Bank a fee of Ten Thousand Dollars
($10,000)("Closing Fee").

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

          (a)  the execution and delivery by Borrower and Surety of this
Amendment and performance by each of them of the transactions contemplated
herein (i) are and will be within the corporate powers of Borrower and Surety,
as applicable, (ii) have been authorized by all necessary corporate action of
Borrower and Surety, as applicable, and (iii) are not and will not be in
contravention of any order of any court or other agency of government, of law or
any other indenture, agreement or undertaking to which Borrower or Surety is a
party or by which the property of Borrower or Surety is bound, or be in conflict
with, or result in a breach of or constitute (with due notice and/or lapse of
time) a default under any such indenture, agreement or undertaking or result in
the imposition of any lien, charge or incumbrance of any nature on any of the
properties of Borrower or Surety;

          (b)  this Amendment and any other agreements, instruments or documents
executed and/or delivered in connection herewith, shall be valid, binding and
enforceable against Borrower and Surety in accordance with their respective
terms, except as enforceability may be limited by applicable bankruptcy,
insolvency, reorganization, moratorium and similar laws affecting the
enforcement of creditors' rights generally and by general equitable principles;

          (c)  all warranties and representations contained in the Credit
Agreement and all related agreements, instruments and documents are true and
correct as of the date hereof;

          (d)  no Event of Default as defined under the Note and no event which,
with the passage of time, giving of notice or both would become an Event of
Default as defined under the Note, has occurred or is existing; and

          (e)  there are no outstanding loans or advances to any Subsidiary as
of the date hereof.

     9.   Conditions to Closing.  Bank's obligation to enter into this Amendment
          ---------------------
is subject to the following conditions having been satisfied in full to Bank's
satisfaction:

          (a)  Execution and delivery by Borrower to Bank of this Amendment;

          (b)  Execution and delivery by Borrower to Bank of a certain Amended
and Restated Committed Line of Credit in the principal amount of $10,000,000, in
form and substance satisfactory to Bank;
<PAGE>

          (c)  Payment by Borrower to Bank of the Closing Fee;

          (d)  Delivery by Borrower to Bank of such other documentation or
documents as Bank may reasonable require;

          (e)  No Event of Default as defined under the Note and no event which,
with the passage of time, giving of notice or both would become an Event of
Default as defined under the Note, has occurred or is existing; and

          (f)  Payment or reimbursement by Borrower to Bank for all legal and
other expenses incurred by Bank to analyze, prepare and negotiate and conclude
this Amendment and all related agreements and transactions described herein.

     10.  Reaffirmation by Borrower.  Borrower ratifies and reaffirms all of its
          -------------------------
obligations to Bank under the Credit Agreement and related agreements,
instruments and documents and agrees that the same are owing to Bank without
defense, setoff, claim or counterclaim, of any nature.  Borrower hereby
ratifies, restates and reasserts each of the representations and warranties, and
each of the covenants, whether affirmative or negative, contained in the Credit
Agreement and all related agreements, instruments and documents and acknowledges
and agrees that all such representations and warranties, and covenants are
incorporated herein by reference and made part hereof.

     11.  Reaffirmation by Surety.  Surety, by its execution of this Amendment
          -----------------------
in its capacity as surety, reaffirms and acknowledges its obligations under the
Surety Agreement and acknowledges and agrees that it continues to be liable as
surety for all of the liabilities, debts and obligations of Borrower to Bank
under the Credit Agreement, as amended hereby.  Surety further confirms and
agrees that the terms and conditions of the Surety Agreement remains unchanged
and in full force and effect and continues to cover the indebtedness of Borrower
to Bank to the full extent set forth in the Surety Agreement.

     12.  No Waiver by Bank.  This Amendment does not and shall not be deemed to
          -----------------
constitute a waiver by Bank of any breach or violation of any representation,
warranty or covenant made or agreed to by Borrower under the Credit Agreement as
amended hereby, and all of Bank's claims and rights resulting from any such
breach or misrepresentation by Borrower, are expressly reserved by Bank.  This
Amendment does not obligate Bank to agree to any further extension or any other
modification of the Credit Agreement nor does it constitute a waiver of any
other rights or remedies of Bank.

     13.  Incorporation.  This Amendment shall amend, and is incorporated into
          -------------
and made part of, the Credit Agreement.  All reference to the Credit Agreement
shall mean the Credit Agreement as amended hereby.  To the extent that any term
or provision of this Amendment is or may be deemed expressly inconsistent with
any term or provision in the Credit Agreement, the terms and provisions hereof
shall control.  Except as expressly amended by this Amendment, all of the terms
and conditions of the Credit Agreement continue unchanged and remain in full
force and effect.
<PAGE>

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

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

     16.  Governing Law.  This Amendment shall be governed by, and construed and
          -------------
enforced in accordance with the laws of the Commonwealth of Pennsylvania.

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

                 [remainder of page intentionally left blank]
<PAGE>

     IN WITNESS WHEREOF, the parties, intending to be legally bound, hereto have
executed this Amendment as of the date first above written.

                              Bank:
                              -----

                                 PNC Bank, National Association

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

                              BORROWER:
                              ---------

                                 RMH Teleservices, Inc.

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

                                 Attest: /s/ Jack Todes
                                         ---------------------------
                                 Name:   Jack Todes
                                 Title:  Director, Financial Analysis

                              SURETY:
                              -------

                                 RMH Teleservices International, Inc.

                                 By: /s/ Michael J. Scharff
                                     -------------------------------
                                 Name:  Michael J. Scharff
                                 Title: EVP

                                 Attest: /s/ Jack Todes
                                         ---------------------------
                                 Name:   Jack Todes
                                 Title:  Director, Financial Analysis<PAGE>

                                                                    EXHIBIT 10.8

                      FIFTH AMENDMENT TO CREDIT AGREEMENT
                      -----------------------------------

     This Fifth Amendment to Credit Agreement ("Amendment"), dated September 27,
2000, is entered into by and among PNC Bank, National Association ("Bank"), RMH
Teleservices, Inc. ("Borrower"), and RMH Teleservices International, Inc.
("Surety").

                                  BACKGROUND
                                  ----------

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

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

TERMS AND CONDITIONS
--------------------

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

     1.   Line of Credit and Use of Proceeds.  Effective on the Effective Date
          ----------------------------------
(as defined below), the Credit Agreement is hereby amended by deleting Section 1
in its entirety and replacing it with the following:

          1.   Line of Credit and Use of Proceeds.  The first credit facility is
               ----------------------------------
          a committed revolving line of credit under which Borrower may request
          and Bank, subject to the terms and conditions of this letter, will
          make advances to Borrower from time to time until the Expiration Date
          ("Line of Credit").  The aggregate principal amount of unpaid advances
          (including unreimbursed draws on Letters of Credit) shall not, at any
          time, exceed Twenty Million Dollars ($20,000,000).  The "Expiration
          Date" means September 30, 2001, or such later date as may be
          designated by Bank by written notice to Borrower.  Advances may be
          used for working capital or other general business purposed of
          Borrower.  Notwithstanding anything in the Credit Agreement to the
          contrary, in no event may the face amount of all issued and
          outstanding Letters of Credit, plus the amount of all drawn but
          unreimbursed Letters of Credit, exceed at any time Four Million
          Dollars ($4,000,000)

     2.   Base Rate Option:  Effective on the Effective Date, the Credit
          ----------------
Agreement is hereby amended by deleting Subsection 2(i) in its entirety and
replacing it with the following:
<PAGE>

          i.   Base Rate Option.  A rate of interest per annum (computed on the
               ----------------
          basis of a year of 360 days and the actual number of days elapsed)
          equal to rate of interest announced from time to time by Bank at its
          principal office as its prime rate, which rate may not be the lowest
          interest rate then being charged commercial borrowers by Bank (the
          "Prime Rate") minus one percent (1.0%).  If and when the Prime Rate
                        -----
          changes, the rate of interest on the principal of the Line of Credit
          bearing interest under the Base Rate Option will change automatically
          without notice to Borrower, effective on the date of any such change.

     3.   Euro-Rate Interest Period.  Effective on the Effective Date, the
          -------------------------
definition of "Euro-Rate Interest Period" contained in the Credit Agreement is
hereby restated in its entirety and shall read as follows:

          "Euro-Rate Interest Period" shall mean the period seven days, fourteen
          ---------------------------
          days, one, two, three, four or six months, or an overnight period,
          each as selected by Borrower commencing on the date on which a Euro-
          Rate Option is elected to commence; provided, that if a Euro-Rate
                                              --------
          Interest Period would end on a day which is not a Business Day, it
          shall end on the next succeeding Business day, unless, with respect to
          Euro-Rate Interest Periods of one month or longer, such day falls in
          the succeeding calendar month on which case the Euro-Rate Interest
          Period shall end on the next preceding Business Day.  In no event
          shall any Euro-Rate Interest Period end on a day after the Expiration
          Date.

     4.   Negative Covenants:  Effective on the Effective Date, the Credit
          ------------------
Agreement is hereby amended by deleting Subsections III (d) and III(f) of
Exhibit "A" in their entirety and replacing them with the following:

          (d)  Borrower will not, nor suffer or permit any Subsidiary to, make
          acquisitions of all or substantially all of the property or assets of
          any person, firm, corporation, or other entity, except for an
          investment on terms and conditions satisfactory to Bank of an
          aggregate amount not to exceed $1,500,000 in a joint venture with
          Advanta Partners to be called "365biz.com."

          (f)  Subject to Subsection (a) above, Borrower and each of its
          Subsidiaries will not incur, create or assume any commitment to make
          any direct or indirect payment, whether rent or otherwise, under any
          lease rental or other arrangement for the use of real or personal
          property, except for: (i) operating leases with Bank or its
          affiliates, or (ii) operating leases with other parties so long as the
          aggregate outstanding obligations, direct or indirect, due or to
          become due, under all such leases does not exceed $16,000,000.

     5.   Payment of Fee. In consideration of the agreements and undertakings of
          --------------
Bank

                                       2
<PAGE>

set forth in this Amendment, and contemporaneously with the execution hereof,
Borrower shall pay to Bank a fee of Ten Thousand Dollars ($10,000) ("Closing
Fee").

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

          (a)  the execution, delivery and performance by Borrower and Surety of
this Amendment and the transactions contemplated herein: (i) are and will be
within corporate powers of Borrower and Surety; (ii) have been authorized by all
necessary corporate action; (iii) are not and will not be in contravention of
any order of any court or other agency of government, or of any law to which
Borrower or Surety or any property of Borrower or Surety is bound; and (iv) are
not and will not be in conflict with, or result in a breach of or constitute
(with due notice and/or lapse of time) a default under the articles of
incorporation or bylaws or any indenture, agreement or undertaking to which
Borrower or Surety is a party or by Borrower or Surety or property of Borrower
or Surety is bound;

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

          (c)  each of the representations and warranties contained in, and each
of the exhibits and/or schedules attached to, the Credit Agreement, as amended
hereby, and all related agreements, instruments and documents are true and
correct as of the date hereof as to Borrower and Surety, as applicable; provided
that Section 7(h) of the Letter Agreement is hereby amended to include Surety,
RMH Interactive, and 365biz.com.GP, as additional subsidiaries of Borrower.;

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

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

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

                                       3
<PAGE>

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

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

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

               (ii)  execution and delivery by Borrower to Bank of a certain
Amended and Restated Committed Line of Credit Note in the principal amount of
$20,000,000;

               (iii) Borrower shall have executed and delivered to Bank, the
Working Cash, Line of Credit Investment Sweep Rider and the Working Cash Trust
Agreement

               (iv)  a certificate from the secretary of each of Borrower and
Surety certifying resolutions adopted by the respective board of directors of
Borrower and Surety authorizing the execution of this Amendment and any other
agreement, instrument or other document required to be executed and/or delivered
by Borrower and/or Surety under any section hereof and authorizing the
performance of the transactions contemplated herein;

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

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

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

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

    10.   Non-Waiver:  This Amendment does not and shall not be deemed to
          ----------
constitute a waiver by Bank of any breach or violation of any representation,
warranty or covenant made or agreed to by Borrower under the Credit Agreement,
as amended hereby, and all claims and rights of Bank resulting from any such
breach or violation are expressly reserved by Bank.  This Amendment does not
obligate Bank to agree to any further extension or any

                                       4
<PAGE>

other modification of the Credit Agreement nor does it constitute a course of
conduct or dealing on behalf of Bank or a waiver of any other rights or remedies
of Bank. No omission or delay by Bank in exercising any right or power under
this Amendment or any related instruments, agreements or documents will impair
such right or power or be construed to be a waiver of any default or Event of
Default or an acquiescence therein, and any single or partial exercise of any
such right or power will not preclude other or further exercise thereof or the
exercise of any other right, and no waiver will be valid unless in writing and
then only to the extent specified.

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

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

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

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

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

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

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

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

                                       5
<PAGE>

                                  BANK:
                                  -----

                                  PNC Bank, National Association

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

                                  BORROWER:
                                  ---------

                                  RMH Teleservices, Inc.

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

                                  SURETY:
                                  -------

                                  RMH Teleservices International, Inc.

                                  By: /s/ Michael J. Scharff
                                     ----------------------------------
                                  Name: Michael J. Scharff
                                       --------------------------------
                                  Title: EVP
                                        -------------------------------

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00019-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00019-of-00352.parquet"}]]