Document:

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                                                                   Exhibit 10.14
[PNC LEASING LOGO]

October 1, 2000

Mr. Jack Todes, CPA
RMH Teleservices, Inc.
40 Morris Ave.
Bryn Mawr, PA 19010

Dear Jack:

This is to confirm PNC Leasing established a new fully available $5,000,000
lease facility subject to the terms and conditions of our original Proposal
#97-070. This facility will accommodate equipment purchases made from October 1,
2000, through September 30, 2001.

Please contact me if there are any questions concerning the above.

Very truly yours,

/s/ George C. Fantom

George C. Fantom
Vice President<PAGE>

                                                                   EXHIBIT 10.22

VIA OVERNIGHT DELIVERY

April 14, 1999

Mr. Paul Little
4544 Daffodil Trail
Plano, Texas 75093

Dear Paul:

We are pleased to offer you the position of Senior Vice President of Human
Resources for RMH Teleservices, Inc. You will be based out of our Bryn Mawr, PA.

The terms of your employment with RMH are as follows:

1.   Base Salary - 140,000 per annum, through September 1999, an increase in
     -----------
     October 1999 to $150,000 per annum and an increase in October 2000 to
     $160,000 per annum. Annual salary increases each year thereafter will be
     determined by management.

2.   Start Date - Monday, May 3, 1999.
     ----------

3.   Signing Bonus - You will be entitled to a signing bonus of $30,000.
     -------------

4.   Options - You will be granted options, pursuant to the RMH Teleservices,
     -------
     Inc., 1996 Stock Incentive Plan to purchase 40,000 RMH common shares at the
     closing price on the day of the grant. The options for 25% of the shares
     will vest when you have been employed by RMH for one year and an additional
     25% of the shares will vest at the end of the second, third and fourth year
     of employment respectively.

5.   Annual Bonus - You may be eligible to receive an Annual Bonus of up to 50%
     ------------
     of your base salary. Your bonus for fiscal year 1999 is $70,000 and will be
     advanced on your start date. Beginning in fiscal year 2000, your minimum
     annual bonus is $30,000 and will be paid in equal monthly installments
     coordinated upon your continued employment at the time each installment is
     due. The remaining portion of the annual bonus will be paid conjunction
     with the normal corporate bonus pay plan.

6.   Vacation - Four (4) weeks paid vacation annually.
     --------

7.   Miscellaneous - You will be issued a company credit card to be used for all
     -------------
     business expenses.
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Mr. Paul Little
April 14, 1999
Page Two

8.   Moving Expenses - RMH will reimburse you for reasonable relocation expenses
     ---------------
     for your move to the Philadelphia area. These expenses include but are not
     limited to; costs to sell your Plano residence, transportation and storage
     of household goods, temporary living arrangements, transportation for you
     and your family and costs associated with the purchase of your home in the
     Philadelphia area (points, taxes, etc.). If you are in a duplicate mortgage
     situation, RMH will pay the lessor of your two mortgages for a period of up
     to six months. Relocation expenses, with the exception of mortgage points,
     will be grossed up for tax purposes.

9.   Benefits - You will be eligible to participate in RMH's benefit plan which
     --------
     consists of medical, dental, prescription, vision, life insurance, and long
     term disability insurance. Any COBRA payments, if any, will be covered by
     RMH for the 60 day-lag period before benefits eligibility. Enrollment in
     401(k) after 1 year of service which includes an employer match as defined
     in the plan.

10.  Non-Compete, Trade Secrets, Etc. - From the Start Date until 12 months
     --------------------------------
     following the termination of your employment with the Company, for any or
     no reason, whether initiated by you or the Company, you will not, directly
     or indirectly, engage in any capacity or be financially interested in any
     business operating within the United States or Canada which provides
     telemarketing services materially the same as the services the Company
     provides to third parties, or any other business activities which are
     materially the same and which are in direct competition with the Company at
     the time of your termination, or any other business activities which are
     materially the same as those provided by the Company for any of the
     Company's past, present or prospective clients, customers or accounts.
     Additionally, from the Start Date until 12 months following the termination
     of your employment with the Company, for any or no reason, whether
     initiated by you or the Company, you will not, directly or indirectly,
     employ, induce or attempt to influence any employee, customer, independent
     contractor or supplier of the Company to terminate employment or any other
     relationship with the Company. You will not use for your own personal
     benefit or disclose, communicate or divulge to, or use for the direct or
     indirect benefit of any person firm or company other than the Company, any
     confidential information of the Company during the term of your employment
     and for a period of five years after you cease to be employed by the
     Company, for any or no reason whether initiated by you or the Company. At
     the termination of your employment with the Company you shall return to
     Company all copies of confidential information in any medium, including
     computer tapes and other forms of data storage. Any and all writing,
     inventions, improvements, processes, procedures and/or techniques which you
     may make, conceive, discover or develop, either solely or jointly with any
     other person or persons, at any time when you are an employee, which relate
     to or are useful in connection with the Company's business or with any
     business now or hereafter carried on or contemplated by the Company,
     including developments or expansions of its present fields of operations,
     shall be the sole and exclusive property of the Company.
<PAGE>

Mr. Paul Little
April 14, 1999
Page Three

11.  Severance - If the Company terminates your employment without Cause, you
     ---------
     shall be entitled to your then current Base Salary payable for a period of
     12 months plus a one time relocation allowance, if necessary, not to exceed
     $75,000 following such termination so long as you execute and do not revoke
     a separation agreement and general release agreement acceptable to the
     Company. Cause shall include your breach or neglect of the material duties
     you are required to perform under this Agreement, your conviction of a
     felony or a crime of moral turpitude or your entering into an plea of nolo
     contendere (or similar plea) to a charge of such an offense, your use of
     alcohol or any unlawful controlled substance while performing your duties
     under this Agreement and/or such use materially interferes with the
     performance of your duties under this Agreement, you commit any act of
     criminal fraud, material dishonesty or misappropriation relating to or
     involving the Company, you materially violate a rule, regulation, policy or
     plan governing employee performance or an express direction of the Board,
     you engage in any unauthorized disclosure of confidential information of
     the Company or you act in a manner that is materially contrary to the best
     interest of the Company.

12.  MBA - RMH will pay for the remaining portion of the EMBA program of your
     ---
     choice, including expenses associated with the travel and a mandatory two
     week international trip in Spring 2000. You will be given paid time off to
     attend the classes.

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

We welcome you to RMH with confidence that our association will be mutually
enjoyable.

Sincerely,

John A. Fellows
Chief Executive Officer

Accepted By:

                                    4/14/99
____________________________  --------------------
Paul Little                   Date<PAGE>

                                                                   Exhibit 10.24

                      ACTION BY UNANIMOUS WRITTEN CONSENT
                          OF THE BOARD OF MANAGERS OF
                              365BIZ.COM.GP, LLC

     The undersigned, being all of the members of 365biz.com.gp, LLC, a Delaware
limited liability company (the "Company"), hereby adopt, by this written
consent, the following resolutions with the same force and effect as if they had
been unanimously adopted at a duly convened meeting of the members of Managers
of the Company and direct that this written consent, upon execution by all of
the members of the Company, which execution may be in counterparts, be filed
with the minutes of the proceedings of the members of the Company:

          RESOLVED, that the members of the Company hereby adopt and approve
     amendments to the Partnership Agreement which read as follows:

               Schedule 2.6 to the Partnership Agreement is hereby
          amended by changing the Additional Cash Capital Contribution
          Commitments set forth in Column (3) thereof as follows: the
          additional commitment of Advanta Partners LP is hereby
          reduced from $1,000,000 to $144,223; the additional
          commitment of RMH Interactive Technologies, LLC is hereby
          reduced from $460,785 to $138,567; accordingly, the total
          additional commitments is hereby reduced from $1,460,785 to
          $282,790. The parties acknowledge and agree that as of
          September 26, 2000, Advanta Partners LP has contributed
          $64,494 and RMH Interactive Technologies, LLC has
          contributed $61,965 of their respective Additional Cash
          Capital Contribution Commitments. Accordingly, Advanta
          Partners LP and RMH Interactive Technologies, LLC have
          outstanding Additional Capital Contribution Commitments of
          $79,729 and $76,602, respectively.

               Schedule 3.1 to the Partnership Agreement is hereby
          amended by deleting the second paragraph thereof in its
          entirety. The parties acknowledge and agree that as of
          September 26, 2000, RMH Interactive Technologies, LLC has
          contributed an aggregate of $642,814 in trade credits, or
          $142,815 in excess of its aggregate obligations under
          Schedule 3.1.

               Section 3.2.2 of the Partnership Agreement is hereby
          deleted and replaced in its entirety as follows:

               "Notwithstanding any other provision of this Agreement
               to the contrary, the RMH Limited Partner may elect, at
               its sole discretion, to make additional capital
               contributions to the Partnership of
<PAGE>

               up to $642,815, in the form of additional trade credit
               beyond its commitments pursuant to Schedule 3.1, as
               evidenced by an unsecured note bearing interest at the
               rate of 15% per annum, payable annually in kind as
               evidenced by an increase in the principal payable under
               the note by the amount of the accrued interest. The
               principal and accrued interest on such note may be
               converted, at the election of the RMH Limited Partner,
               into Percentage Interests in the Partnership based upon
               a value for 100% of the Partnership Interests held by
               the Limited Partners at $2,243,574 before any such
               contributions. For example, if the RMH Limited Partner
               were to make an additional capital contribution of
               $100,000 at a time when the Percentage Interests of the
               Advanta Limited Partner, The RMH Limited Partner and
               the General Partner were 50.5%, 48.5% and 1%
               respectively, then following that contribution and
               conversion of the note, the Percentage Interests of the
               Advanta Limited Partner, the RMH Limited Partner and
               the General Partner would be 48.32%, 50.68%, and 1%,
               respectively"

          RESOLVED, that the members of the Company hereby recommend that the
     partners of the Partnership approve and adopt the foregoing amendments to
     the Partnership Agreement.

          RESOLVED, that the members of the Company hereby approve the requests
     of each of Advanta Partners LP and RMH Interactive Technologies, LLC that
     all remaining Additional Cash Capital Contribution Commitments be
     contributed to the Partnership promptly after the date hereof and that such
     funds shall be used solely for payment of the $156,331.22 of vendor
     accounts set forth in Schedule I attached hereto.

          RESOLVED, that the members of the Company hereby approve the capital
     contributions by the RMH Limited Partner of up to $642,815 in the form of
     additional trade credits in excess of the commitments of the RMH Limited
     Partner pursuant to Schedule 3.1 of the Partnership Agreement, evidenced by
     an unsecured note bearing interest at the rate of 15% per annum, payable
     annually in kind as evidenced by an increase in the principal payable
     under the note by the amount of the accrued interest, such note to be
     convertible at the election of the RMH Limited Partner into Partnership
     Interests as provided in the foregoing resolutions, and that this approval
     hereby satisfies all requirements of Section
<PAGE>

     5.2.20 of the Partnership Agreement in respect of such capital
     contributions; and the members of the Company hereby approve the treatment
     of the $142,815 in trade credits which have been advanced by the RMH
     Limited Partner as of September 26, 2000 in excess of the commitments of
     the RMH Limited Partner as a portion of the up to $642,815 in such
     additional trade credits, such $142,815 to be deemed to have been
     contributed to the Partnership as of August 1, 2000 and earning interest at
     the above rate as of such date.

          RESOLVED, that in its capacity as general partner of the Partnership,
     the Company hereby approves the foregoing amendments to the Partnership
     Agreement in the form set forth above and the other resolutions set forth
     above.

ADVANTA PARTNERS LP                     RMH INTERACTIVE TECHNOLOGIES, LLC

By: Advanta GP Corp.                    By: RMH Teleservices, Inc.

By: /s/ Gary H. Neems                   By: /s/ Noah Asher
    -----------------------------           -----------------------------
        Vice President

September 27, 2000

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