Document:

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                                                                    Exhibit 10.1

June 11, 2003

Mr. John R. Schwab
325 Rhoads Avenue
Haddonfield, NJ 08033

Dear John:

     We are pleased to offer you the position of Executive Vice President and
Chief Financial Officer for RMH Teleservices, Inc. ("RMH" or "Company"). Your
offer of employment is contingent upon your executing, the attached Non-Compete,
Non-Solicitation and Confidentiality Agreement, as well as your confirmation
regarding the other terms and conditions of your employment as described below:

     1.   Title: Executive Vice President and Chief Financial Officer, reporting
directly to the Chief Executive Officer.

     2.   Effective Date: June 30, 2003.

     3.   Base Salary: $235,000 per year, paid in bi-weekly increments of
$9,039.00 (less applicable taxes) while you are actively employed by RMH. Your
Base Salary will be increased to $250,000 twelve months from your start date
with RMH, provided your overall performance is at an acceptable level and you
are still actively employed by RMH at that time. Additional increases, if any,
will be determined by the CEO and in conjunction with the Compensation Committee
of RMH's Board of Directors.

     4.   Terms: RMH's employment arrangement with you will be based on the
terms herein as described below;

          (a) Termination For Cause Or Due To Death Or Disability. Your
employment and this arrangement can be terminated by the Company for Cause,
without any advanced notice to you. If you are terminated for Cause, you will be
paid your Base Salary through your date of termination. The Company will not be
obligated to pay you any severance, bonus or other compensation or benefits
following the termination date. However, the Non-Competition, Non-Solicitation
and Confidentiality Agreement will survive your employment termination.

          (b) Termination by Company Without Cause. Your employment is at will,
but if you are terminated by RMH without Cause, you will be eligible for twelve
(12) months severance at your then current Base Salary so long as you (i)
execute a Severance Agreement / General Release in a form acceptable to RMH and
(ii) continue to comply with the Non-Competition, Non-Solicitation and
Confidentiality Agreement (which is a condition of your employment) and will
survive this Term Sheet and your employment with RMH. The severance would be in
lieu of any other consideration under the provisions of this Term Sheet and/or
under any other Company policy or plan. Please note, however, that

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your Base Salary, Annual Bonus, benefits and any other compensation would stop
as of the date of termination

          (c) Termination By You. If you terminate your employment with RMH for
any reason, you must give RMH thirty (30) days written notice. Upon receipt of
such notice, RMH can terminate your employment at any time prior to the end of
the thirty (30) day period ("actual termination date") and will not be required
to pay you any compensation (i.e., Base Salary, Annual Bonus, severance or
benefits) past such actual termination date. Upon such termination, you would be
eligible to receive your Base Salary for all days worked prior to your actual
termination date, but no additional Base Salary, benefits, severance, Annual
Bonus or other consideration. However, the Non-Competition, Non-Solicitation and
Confidentiality Agreement will survive this Term Sheet and your employment
termination.

     5.   Annual Bonus: Beginning fiscal year 2004, you may be eligible to
participate in the RMH Incentive Compensation Plan (no maximum on bonus pool)
if, in the sole discretion of the RMH Board of Directors, you meet the target
goals (both the Company's target goals and the personal goals set for you by the
Company). Such Annual Bonus, if any, will be paid within a reasonable time
following the close of the fiscal year and only if you are actively employed by
RMH at such time.

     6.   Vacation: Four (4) weeks paid vacation annually, not to be carried
over year to year. Unused vacation is forfeited by you upon your separation from
the Company.

     7.   Benefits: You will be eligible to participate in RMH's benefit plans,
which currently consist of medical, dental, prescription, vision, life insurance
and long-term disability insurance, subject to the terms, conditions and
restrictions of the benefit plans.

     8.   Non-Compete, Non-Solicitation, Confidentiality: You will be required
to execute the attached Non-Competition, Non-Solicitation and Confidentiality
Agreement.

     9.   Option: The Company will make a request to the relevant Committee, in
accordance with the RMH Teleservices, Inc 1996 Stock Incentive Plan, that the
Committee grant you an option for 70,000 RMH Common Shares under the RMH
Teleservices, Inc 1996 Stock Incentive Plan that will vest over a period of
three(3) years at a strike price equal to the stock price on the close of
business on the first date of your employment with the company. Additionally,
twelve (12) months from the original grant, you will receive an additional
25,000 shares at the then current market rate, provided your overall performance
is at an acceptable level and you are still actively employed by RMH at that
time. In the event all other RMH executive officers are granted stock options at
any time during your active employment with RMH as an executive officer, you
will also be eligible for such a grant of options in accordance with the terms
and conditions of the RMH Teleservices, Inc. 1996 Stock Incentive Plan.

     10.  Change of Control:

          (a) If your employment is terminated by the Company for any reason
other than Cause any time within six (6) months after a Change in Control, you
will be eligible for eighteen (18) months of severance in lieu of any other Base
Salary, bonus, severance or other compensation or benefits, but only if you also
execute (i) a Severance Agreement/General Release in a form acceptable to RMH
and (ii) continue to comply with the Non-Competition, Non-Solicitation and
Confidentiality Agreement. This Change of Control severance would be paid in
lieu of any other consideration under the provisions of this Term Sheet
(including Paragraph 4(b) above) and/or under any other Company policy or plan.

                                       -2-

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          (b)  The Change of Control severance would be paid out in equal
installments in accordance with the Company's regular payroll practices. The
rate of severance will be paid at the same rate as your pre-separation base
salary rate.

          (c)  The definition of Change of Control is limited to:

               (i)   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;

               (ii)  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

               (iii) 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).

Please confirm your acceptance by signing and dating the space below. Retain one
(1) copy of the letter for yourself and return the original as soon as possible.

                                       -3-

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                                                         Sincerely,

                                                         /s/ John A. Fellows
                                                         -----------------------
                                                         John A. Fellows
                                                         Chief Executive Officer

ACCEPTED BY:

/s/ John R. Schwab                                       June 11, 2003
------------------                                       -----------------------
John R. Schwab                                           Date<PAGE>

                                                                    Exhibit 10.2

                                  June 5, 2003

Ms. Deborah C. Lofton
416 Oak Lane
Wayne, PA 19087

Dear Deborah:

     We are pleased to offer you the position of Executive Vice President and
General Counsel for RMH Teleservices, Inc. ("RMH" or "Company"). Your offer of
employment is contingent upon your executing the attached Non-Compete,
Non-Solicitation and Confidentiality Agreement, as well as your confirmation
regarding the other terms and conditions of your employment as described below:

Title: Executive Vice President and General Counsel, reporting directly to the
Chief Executive Officer.

Effective Date: July 7th, 2003.

Base Salary: $225,000 per year, paid in bi-weekly increments of $8,654.00 (less
applicable with-holding taxes) while you are actively employed by RMH. You will
receive annual performance and compensation reviews, and the Company, may, in
its discretion, increase your Base Salary by an amount it determines is
appropriate; provided, however, that your Base Salary shall not be reduced
without your consent.

Fiscal 2003 Performance Bonus: You will be eligible to receive a $30,000 (less
applicable with-holding taxes) performance bonus based on the completion of the
following legal processes for RMH by September 30, 2003: (i) completion of
outside counsel relationship policies and procedures; (ii) preparation of
corporate governance policies in a form presentable to the Board for approval
and (iii) identification of outstanding compliance requirements related to the
Sarbanes-Oxley Act and a proposal for actions to be taken to address such
compliance issues. If such processes are completed by September 30, 2003, then
such performance bonus shall be paid promptly thereafter.

Terms: RMH's employment arrangement with you will be based on the terms herein
as described below:

          (a) Termination For Cause . Your employment and this arrangement can
be terminated by the Company for Cause (as defined below), without any advanced
notice to you. If you are terminated for Cause, you will be paid your Base
Salary and benefits through your date of termination. The Company will not be
obligated to pay you any severance, bonus or other compensation or benefits
following the termination date. However, the Non-Competition, Non-Solicitation
and Confidentiality Agreement will survive your employment termination in
accordance with its terms. "Cause" shall exist if you neglect your duties as
provided in this Term Sheet in any material respect, commit an act of dishonesty
or breach of trust, act in a manner that is intentionally inimical or injurious
to the business or interests of Company, or breach the Non-Compete,
Non-Solicitation and Confidentiality Agreement in any material respect; provided
that you shall be given written notice specifying, in reasonable detail, the
nature of the alleged neglect, act or breach, and have a reasonable opportunity
to respond. "Cause" also shall exist if you are convicted of a felony.

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          (b) Termination by Company Without Cause. Your employment is at will,
but if you are terminated by RMH without Cause, you will receive, as severance,
an amount equal to your then current Base Salary for the three (3) month period
beginning on the date of termination ("Severance Period") in accordance with the
normal payroll practices of the Company, so long as you (i) execute a Severance
Agreement / General Release in a form reasonably acceptable to RMH and (ii)
continue to comply with the Non-Competition, Non-Solicitation and
Confidentiality Agreement (which is a condition of your employment) and will
survive this Term Sheet and your employment with RMH in accordance with its
terms. Notwithstanding the foregoing, the Severance Period shall be increased to
eighteen (18) months if you are terminated within twelve (12) months following a
Change in Control (as defined below) or are terminated within three (3) months
prior to a Change in Control. However, if the Company can demonstrate that the
termination was for "Cause" or if the Company can demonstrate, with written
documentation, that the termination would have occurred even if the Change in
Control had not occurred, the Severance Period shall remain at three (3) months.
Please note, however, that during the Severance Period, your Base Salary, Annual
Bonus, and any other compensation would stop as of the date of termination;
provided, that (i) you shall be entitled to receive a prorated portion of the
Annual Bonus earned for the year during which the termination occurred; (ii)
during the Severance Period, the Company shall continue to provide to you, at
the Company's expense, the benefits of the standard group health, medical and
dental plans pursuant to COBRA, subject to COBRA's eligibility requirements; and
(iii) to the extent that the then current, applicable, disability insurance plan
(not life) is convertible, the Company shall pay the premiums for your continued
conversion coverage under the plan for the shorter of the appropriate Severance
Period or twelve (12) months. The severance set forth in this Section 5(b) would
be in lieu of any other consideration under the provisions of this Term Sheet
and/or under any other Company policy or plan.

          (c) Change in Control. A "Change in Control" means: (i) the occurrence
of an event that RMH reports under Item 1(a) of Form 8-K pursuant to the
Securities Exchange Act of 1934 (the "1934 Act"); or (ii) the acquisition or
receipt, in any manner, by any person (as defined for purposes of the 1934 Act)
or any group of persons acting in concert, of direct or indirect beneficial
ownership (as defined for purposes of the 1934 Act) of 30% or more of the
combined voting securities ordinarily having the right to vote for the election
of directors of RMH (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); or (iii) a change in the
constituency of the Board with the result that individuals (the "Incumbent
Directors") who are members of the Board on the date of this Term Sheet
("Effective Date") cease for any reason to constitute at least a majority of the
Board, provided that any individual who is elected to the Board after the
Effective Date and whose nomination for election was unanimously approved by the
Incumbent Directors shall be considered an Incumbent Director beginning on the
date of his or her election to the Board; or (iv) the sale, exchange,
liquidation or other disposition of all or a significant portion of the
Company's business or assets, or the execution by the Company of a binding
agreement providing for such a transaction.

          (d) Termination By You. If you terminate your employment with RMH for
any reason, you must give RMH thirty (30) days written notice. Upon receipt of
such notice, RMH can allow your employment to terminate upon expiration of the
30-day notice period or terminate your employment at any time prior to the end
of such thirty (30) day period (the date of such termination referred to herein
as the "actual termination date") and will not be required to pay you any
compensation (i.e., Base Salary, Annual Bonus, severance or benefits) past such
actual termination date. Upon such termination, you would be eligible to receive
your Base Salary and benefits for all days worked prior to your actual
termination date, but no additional Base Salary, benefits, severance, Annual
Bonus or other consideration. However, the Non-Competition, Non-Solicitation and
Confidentiality Agreement will survive this Term Sheet and your employment
termination, in accordance with its terms.

                                       -2-

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Annual Bonus: Beginning with RMH's fiscal year 2004, you shall be eligible to
participate in the RMH Incentive Compensation Plan (or such equivalent plan as
may be adopted in the future). In any such Plan, your participation shall be at
the executive officer level (for example, you would have participated under tier
4 of the 2003 RMH Incentive Compensation Plan). Such Annual Bonus, if any, will
be paid within a reasonable time following the close of the fiscal year and,
except as set forth in subparagraph 5(b) above, only if you are actively
employed by RMH at such time.

Vacation: You shall receive four (4) weeks paid vacation annually, not to be
carried over year to year. Unused vacation is forfeited by you upon your
separation from the Company.

Benefits: You will be eligible to participate in RMH's benefit plans, which
currently consist of medical, dental, prescription, vision, life insurance and
long-term disability insurance, subject to the terms, conditions and
restrictions of the benefit plans.

Non-Compete, Non-Solicitation, Confidentiality: You will be required to execute
the attached Non-Competition, Non-Solicitation and Confidentiality Agreement.

Option: The relevant Committee of the Board of Directors, in accordance with the
RMH Teleservices, Inc. 1996 Stock Incentive Plan, has approved an option grant
in your name for 50,000 RMH Common Shares under the RMH Teleservices, Inc. 1996
Stock Incentive Plan. The options will vest over a period of three (3) years at
a strike price equal to the stock price on the close of business on the first
date of your employment with the Company. Additional amounts, if any, will be
determined and awarded by the relevant committee of the Board of Directors.

Expenses: The Company will reimburse you for all reasonable business expenses
and for annual bar admission fees, annual state and local bar association dues
and annual dues for other legal associations relevant to the performance of you
responsibilities. The Company will also reimburse you for attending legal and
other seminars reasonably necessary in the performance of your duties and to
satisfy bar association requirements.

Insurance: The Company agrees to provide, at the Company's expense, malpractice
insurance and related coverage at levels acceptable to you.

Miscellaneous. This Term Sheet and the Non-Competition, Non-Solicitation and
Confidentiality Agreement set forth the entire understanding between you and the
Company with respect to the subject matter hereof and supersedes all prior and
contemporaneous, written or oral, express or implied, communications, agreements
and understandings with respect to the subject matter hereof. This Term Sheet
shall inure to the benefit of and shall be binding upon the Company and its
successors and assigns and your heirs, executors, legal representatives,
successors and assigns. This Term Sheet is made under, and shall be governed by,
construed and enforced in accordance with, the substantive laws of the
Commonwealth of Pennsylvania applicable to agreements made and to be performed
entirely therein. This Term Sheet may be executed in any number of counterparts,
each of which when so executed and delivered shall be an original hereof, and it
shall not be necessary in making proof of this Term Sheet to produce or account
for more than one counterpart hereof.

Please confirm your acceptance by signing and dating the space below. Retain one
(1) copy of the letter for yourself and return the original as soon as possible.

                                       -3-

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                                                  Sincerely,

                                                  /s/ John A. Fellows
                                                  ------------------------------
                                                  John A. Fellows
                                                  Chief Executive Officer

ACCEPTED BY:

/s/ Deborah C. Lofton                             June 5, 2003
------------------------------                    ------------------------------
Deborah C. Lofton                                 Date

                                       -4-

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