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EXHIBIT 4.3  

 
  AMENDMENT NO. 2 TO THE RIGHTS AGREEMENT    
    

        This Amendment No. 2 (this "Amendment") is entered into as of September 7, 2003, between INFORMATION RESOURCES, INC., a Delaware corporation (the
"Company"), and HARRIS TRUST AND SAVINGS BANK (the "Rights Agent"), to the Rights Agreement between the Company and Harris Trust and Savings Bank, amended and restated on October 27, 1997 and
further amended on June 29, 2003 (the "Rights Agreement"). All capitalized terms not defined herein shall have the meanings ascribed to such terms in the Rights Agreement. 

        WHEREAS, the Company proposes to enter into (a) an Agreement and Plan of Merger, dated as of September 7, 2003 (as amended,
supplemented, modified or replaced from time to time, the "Merger Agreement"), among Gingko Corporation, a Delaware corporation ("Parent"), Gingko Acquisition Corp., a Delaware corporation and a
direct, wholly-owned subsidiary of Parent ("Merger Sub"), and the Company and (b) the Contingent Value Rights Agreement to be entered into on the terms and subject to the conditions of the
Merger Agreement by and among Parent, Merger Sub, the Company, Information Resources, Inc. Contingent Payment Rights Trust and the Rights Agents (as defined therein) (as amended, supplemented,
modified or replaced from time to time, the "CVR Agreement"); 

        WHEREAS, the Board of Directors of the Company has determined that the Merger Agreement and the CVR Agreement and the terms and conditions
set forth therein and the transactions contemplated thereby, including, without limitation, the Offer, any exercise of the Top-Up Option, the Merger and the issuance of the CVRs (as such terms are
defined in the Merger Agreement), are advisable and are fair to and in the best interests of the Company and its stockholders; 

        WHEREAS, on September 6, 2003, the Board of Directors of the Company has determined, in connection with its contemplation of the
Merger Agreement and the CVR Agreement, that it is necessary and desirable to amend the Rights Agreement to exempt the Merger Agreement and the CVR Agreement and the transactions contemplated thereby,
including, without limitation, the Offer, any exercise of the Top-Up Option, the Merger and the issuance of the CVRs, from the application of the Rights Agreement as set forth in this Amendment; 

        WHEREAS, Section 26 of the Rights Agreement provides that the Company and the Rights Agent may at any time supplement or amend the
Rights Agreement without the approval of any holders of Rights Certificates in order, among other things, to effect any change or modification which the Company may deem necessary or desirable; and 

        WHEREAS, pursuant to Section 26, the Company hereby directs that the Rights Agreement should be amended as set forth in this
Amendment. 

        NOW THEREFORE, in consideration of the foregoing premises and mutual covenants and agreements set forth herein, and other good and
valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the Company and the Rights Agent hereby agree as follows: 

        SECTION 1. Amendment to Section 1(a). Section 1(a) of the Rights Agreement is hereby amended
and supplemented by adding the following sentence to the end thereof: 

	"Notwithstanding anything in this Agreement to the contrary, neither Parent nor Merger Sub nor any of the Affiliates of Parent or Merger Sub shall become or be deemed to be an Acquiring Person as a result of (i) the
approval, execution, delivery or performance of (A) the Agreement and Plan of Merger, dated as of September 7, 2003, among Parent, Merger Sub and the Company (as amended, supplemented, modified or replaced from time to time, the "New Merger
Agreement") or (B) the Contingent Value Rights Agreement to be entered into on the terms and subject to the conditions of the New Merger Agreement by and among Parent, Merger Sub, the Company, Information Resources, Inc. Contingent Payment
Rights Trust and the Rights Agents (as defined therein) (as amended, supplemented, modified or replaced from time to time, the "New CVR Agreement"), (ii) the consummation of the Offer, any exercise of the Top-Up Option, the consummation of the
Merger, or the issuance of the CVRs pursuant to the Offer or the Merger (as such terms are defined in the New Merger Agreement), (iii) the consummation of any other transaction contemplated in the New Merger Agreement and/or the New CVR Agreement,
including the purchase of common stock of the Company for the payment and issuance of the Offer Price (as defined in the New Merger Agreement) pursuant to the Offer, the issuance of common stock of the Company pursuant to any exercise of the Top-Up
Option, the exchange of common stock of the Company for the payment and issuance of the Merger Consideration (as defined in the New Merger Agreement) pursuant to the New Merger Agreement, or (iv) the public announcement of any of the
foregoing."

        SECTION 2. Amendment to Section 1(k). Section 1(k) of the Rights
Agreement is hereby amended and supplemented by adding the following sentence to the end thereof: 

	"Notwithstanding anything in this Agreement to the contrary, a Stock Acquisition Date shall not occur or be deemed to have occurred as a result of (i) the approval, execution, delivery or performance of the New
Merger Agreement or the New CVR Agreement, (ii) the consummation of the Offer, any exercise of the Top-Up Option, the consummation of the Merger, or the issuance of the CVRs pursuant to the Offer or the Merger (as such terms are defined in the
New Merger Agreement), (iii) the consummation of any other transaction contemplated in the New Merger Agreement and/or the New CVR Agreement, including the purchase of common stock of the Company for the payment and issuance of the Offer Price
pursuant to the Offer, the issuance of common stock of the Company pursuant to any exercise of the Top-Up Option, the exchange of common stock of the Company for the payment and issuance of the Merger Consideration pursuant to the New Merger
Agreement, or (iv) the public announcement of any of the foregoing."

        SECTION 3. Amendment to Section 3. Section 3 of the Rights Agreement
is hereby amended and supplemented by adding the following proviso to the end of the first sentence thereof: 

	"; provided further that, notwithstanding anything in this Agreement to the contrary, a Distribution Date shall not occur or be deemed to have occurred as a result of (i) the approval, execution, delivery or
performance of the New Merger Agreement or the New CVR Agreement, (ii) the consummation of the Offer, any exercise of the Top-Up Option, the consummation of the Merger, or the issuance of the CVRs pursuant to the Offer or the Merger (as such
terms are defined in the New Merger Agreement), (iii) the consummation of any other transaction contemplated in the New Merger Agreement and/or the New CVR Agreement, including the purchase of common stock of the Company for the payment and
issuance of the Offer Price pursuant to the Offer, the issuance of common stock of the Company pursuant to any exercise of the Top-Up Option, the exchange of common stock of the Company for the payment and issuance of the Merger Consideration
pursuant to the New Merger Agreement, or (iv) the public announcement of any of the foregoing."

        SECTION 4. Amendment to Section 7(a). Section 7(a) of the Rights
Agreement is hereby amended and restated in its entirety as follows: 

	"        (a) Subject to Section 11(a)(iii) and (iv) and Section 23 hereof, the registered holder of any Right Certificate may exercise the Rights evidenced thereby
in whole or in part at any time after the Distribution Date upon surrender of the Right Certificate, with the form of election to purchase shares on the reverse side thereof duly executed, to the Rights Agent at its principal office or such other
office designated by it for such purpose, together with payment of the Purchase Price for each one one-hundredth of a Preferred Share as to which the rights are exercised, at or prior to the earliest of (i) the time immediately prior to the
consummation of the Merger (as defined in the New Merger Agreement), (ii) the close of business on October 27, 2007 (the "Final Expiration Date"), and (iii) the date and time at which the Rights are redeemed as provided in
Section 23 hereof; such earlier date and time being referred to herein as the "Expiration Date."

        SECTION 5. Amendment to Section 28. Section 28 of the Rights
Agreement is hereby amended and supplemented by adding the following sentence to the end thereof: 

	"Notwithstanding the foregoing, nothing in this Agreement shall be construed to give any holder of Rights or any other Person any legal or equitable rights, remedy or claim under this Agreement in connection with any
transactions contemplated by the New Merger Agreement."

        SECTION 6. Effective Date. This Amendment shall be deemed effective as of the date
first written above, as if executed on such date. 

        SECTION 7. Governing Law. This Amendment shall be deemed to be a contract made under the laws of the State
of Delaware and for all purposes shall be governed by and construed in accordance with the laws of such State applicable to contracts to be made and performed entirely within such State. 

        SECTION 8. Severability. If any term, provision, covenant or restriction of this Amendment is held by a
court of competent jurisdiction or other authority to be invalid, void or unenforceable, the remainder of the Amendment and the Rights Agreement shall remain in full force and effect and shall in no
way be affected, impaired or invalidated. 

        SECTION 9. Notice. The Rights Agent and the Company hereby waive any notice requirement with respect to
each other under the Rights Agreement, if any, pertaining to the matters covered by this Amendment. 

        SECTION 10. No Other Effect. Except as expressly set forth herein, the Rights Agreement shall not by
implication or otherwise be supplemented or amended by virtue of this Amendment, but shall remain in full force and effect, as amended hereby. 

        SECTION 11. Counterparts. This Amendment may be executed in any number of counterparts and each of such
counterparts shall for all purposes be deemed to be an original, and all such counterparts shall together constitute but one and the same instrument. 

[signature
page follows] 

        IN
WITNESS WHEREOF, the parties hereto have caused this Amendment to be duly executed as of the date and year first above written. 

	Attest:	 	 	 	INFORMATION RESOURCES, INC.	 	 
	

By:	
 	

/s/  MONICA M. WEED      
	
 	

 	
 	

By:	
 	

/s/  JOSEPH P. DURRETT      
	
 	

 
	

Name:	
 	

Monica M. Weed
	
 	

 	
 	

Name:	
 	

Joseph P. Durrett
	
 	

 
	

Title:	
 	

Secretary
	
 	

 	
 	

Title:	
 	

Chairman, Chief Executive Officer

and President
	
 	

 
	

Attest:	
 	

 	
 	
HARRIS TRUST AND SAVINGS BANK	
 	

 
	

By:	
 	

/s/  MARLENE BERGER      
	
 	

 	
 	

By:	
 	

/s/  JAMES R. FOX      
	
 	

 
	

Name:	
 	

Marlene Berger
	
 	

 	
 	

Name:	
 	

James R. Fox
	
 	

 
	

Title:	
 	

Administrative Assistant
	
 	

 	
 	

Title:	
 	

Vice President
	
 	

 

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AMENDMENT NO. 2 TO THE RIGHTS AGREEMENTQuickLinks
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Exhibit 10.1    
    

 
 

FOURTH AMENDMENT TO CREDIT AGREEMENT    
    

        THIS FOURTH AMENDMENT TO CREDIT AGREEMENT (this "Amendment") is entered into to be effective as of July 31,
2003, between CARREKER CORPORATION, a Delaware corporation ("Borrower"), each of the banks or other lending institutions which is a signatory to this
Amendment (collectively, "Lenders"), and JPMORGAN CHASE BANK (formerly known as The Chase Manhattan Bank), individually as a Lender and Issuing Bank and
as Administrative Agent (in such capacity, together with its successors and assigns, "Administrative Agent"), and COMERICA BANK as Syndication Agent. 

 
 

R E C I T A L S    
    

        A.    Borrower,
Administrative Agent, Syndication Agent, and Lenders are parties to the Credit Agreement, dated June 6, 2001 (as renewed, extended, modified, and amended
from time to time, the "Credit Agreement"), providing for a line of credit and a letter of credit facility to Borrower by the Lenders therein. 

        B.    Borrower
has requested an amendment to the Credit Agreement to, among other things, extend the Maturity Date, reduce the Maximum Commitment to $30,000,000, reset certain
financial covenants, revise the pricing levels, amend the commitment fee provisions, and pledge the limited liability company interest of Carretek, LLC, a Delaware limited liability company, to
Administrative Agent under the Security Agreement. 

        C.    Borrower,
the Administrative Agent, the Syndication Agent, and Required Lenders now desire to amend the Credit Agreement as requested by Borrower. 

        NOW,
THEREFORE, for good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Borrower, Administrative Agent, Syndication Agent, and Required Lenders
agree as follows: 

        1.     TERMS AND REFERENCES. Unless otherwise stated in this document (a) terms defined in the Credit Agreement have the
same meanings when used in this document and (b) references to "Sections," "Schedules," and
"Exhibits" are to the Credit Agreement's sections, schedules, and exhibits. 

        2.     AMENDMENTS. The Credit Agreement is hereby amended as follows: 

        (a)   The
following definitions in Section 1.01 are entirely amended as follows 

        "Applicable Margin" means: 

        (i)    on any date of determination beginning July 31, 2003, through the date that a Compliance Certificate is delivered hereunder following the
Fiscal Quarter ending July 31, 2003, 1.75% in the case of ABR Loans, and 3.25% in the case of Eurodollar Loans; and  

        (ii)   on any date of determination occurring on and after the date that a Compliance Certificate has been delivered hereunder for the Fiscal Quarter ending
July 31,
2003, the percentage per annum set forth in the table below for ABR Loans and Eurodollar Loans (as the case may be) that corresponds  

1

 

 to the Leverage Ratio at such date of determination, as calculated on the quarterly Compliance Certificate of Borrower most recently delivered pursuant to
Section 6.01(c) hereof:

	 
	 	APPLICABLE MARGIN (PER ANNUM)
	 
	LEVERAGE RATIO
 
	 	ABR Loans
	 	Eurodollar Loans
	 
	Greater than 1.50	 	2.25	%	3.75	%
	Greater than 1.00 but less than or equal to 1.50	 	1.75	%	3.25	%
	Less than or equal to 1.00	 	1.25	%	2.75	%

        "Fee Letter" means that certain Fee Letter, dated July 7, 2003, by and among Borrower, JPMorgan, and the Arranger, as such letter may be amended,
supplemented, restated, or otherwise modified from time to time.

 "Maturity Date" means July 31, 2006.  

 "Maximum Commitment" means $30,000,000.  

        (b)   The following definition is added to Section 1.01, to read in its
entirety as follows, and any reference in the Agreement to "Chase" shall hereafter be a reference to "JPMorgan": 

        "JPMorgan" means JPMorgan Chase Bank (formerly known as The Chase Manhattan Bank), in its individual capacity as Lender, and not as Administrative
Agent.

        (c)   The following definitions in Section 1.01 are deleted in their
entirety: 

"Chase"

"Increased
Commitment" 

"Initial
Commitment" 

        (d)   The following definitions in Section 1.01 are partially amended as
set forth below: 

	(i)
	The
last sentence of the definition of "Revolving Commitment" is amended to read in its entirety as follows: 

The maximum aggregate amount of the Lenders' Commitments is $30,000,000.

	(ii)
	Clause (a) of the definition of "Receivables" is supplemented by adding the
following exclusion at the end as follows: 

, excluding, however, from the foregoing any amounts which have not been billed or invoiced by Borrower or any such Subsidiary,

        (e)   Section 2.01 is hereby amended by deleting subsection (b) thereof in its entirety,
and removing the subsection designation from subsection (a) hereof. 

        (f)    Section 2.09(a) is amended in its entirety to read as set forth below: 

        (a)   The Borrower agrees to pay to the Administrative Agent for the account of each Lender a commitment fee, which shall accrue at the rate of 0.50%
per annum on the average daily unused amount of the Revolving Commitment of such Lender during the period from and including July 31, 2003 to but excluding the Revolving Commitment Termination
Date. Accrued commitment fees shall be payable in arrears on the last day of each March, June, September, and December of each year and on the Revolving Commitment Termination Date, commencing on the
first such date to occur after the date hereof. All commitment fees shall be computed on the basis of a year of 360 days and shall be payable for the actual number of days
elapsed.

2

 

        (g)   Section 2.18(b) is amended by amending the last sentence thereof to read in its entirety
as follows: 

A Letter of Credit shall be issued, amended, renewed or extended only if (and upon issuance, amendment, renewal or extension of each Letter of Credit the Borrower shall be
deemed to represent and warrant that), (a) Borrower has paid to Lender the fees required under Section 2.09 hereof, and (b) after giving effect to such issuance, amendment,
renewal or extension (i) the LC Exposure shall not exceed $5,000,000 and (ii) the sum of the total Revolving Credit Exposures shall not exceed the total
Commitments.

        (h)   The last sentence of Section 6.06 is amended to read in its
entirety as follows: 

The Borrower will, and will cause each of its Subsidiaries to, permit any representatives designated by the Administrative Agent or any Lender, upon reasonable prior notice, to
visit and inspect its properties, to examine and make extracts from its books and records, and to discuss its affairs, finances and condition with its officers and independent accountants, all at such
reasonable times and as often as reasonably requested; provided that, without limiting the generality of the foregoing, such visits, inspections,
examinations and discussions may occur at least as frequently as annually.

        (h)   Section 6.08 is amended to read in its entirety as follows: 

Section 6.08 Use of Proceeds. The proceeds of the Loans will be used for Permitted Acquisitions, working capital and general corporate
purposes of the Borrower and Subsidiaries in the ordinary course of business. No part of the proceeds of any Loan will be used, whether directly or indirectly, for any purpose that entails a violation
of any of the Regulations of the Board, including without limitation Regulations T, U and X.

        (i)    Section 7.04 is amended by amending subsection (e) thereof to read in its entirety
as follows: 

        (e)   Permitted Acquisitions, provided that the aggregate amount of consideration paid in whatever form (cash, securities,
or other property) for all such Permitted Acquisitions does not exceed in the aggregate $10,000,000 during the term of this Agreement;

        (j)    Section 7.09 is amended to read in its entirety as follows: 

SECTION 7.09 Financial Covenants.

        (a)   Borrower will not permit the Interest Coverage Ratio to be less than (i) 2.00 to 1.00 for the Rolling Period ending July 31, 2003,
and (ii) 3.00 to 1.00 for each Rolling Period thereafter.

        (b)   The Borrower will not permit the Leverage Ratio to be greater than 2.00 to 1.00 for any Rolling Period:

        (c)   The Borrower will not permit the ratio of (i) the sum of 80% of Receivables of Borrower and its consolidated Subsidiaries plus cash of
Borrower and its consolidated Subsidiaries plus short term investments of Borrower and its consolidated Subsidiaries, on a consolidated basis, divided
by (ii) Funded Debt of Borrower and its consolidated Subsidiaries on a consolidated basis, to be less than 1.30 at any time.

        (k)   A new Schedule 2.01 is added in the form of the attached  Schedule 2.01.

3.     AMENDMENT OF CREDIT AGREEMENT AND OTHER LOAN DOCUMENTS; COVENANTS.  

        (a)   All references in the Loan Documents to the Credit Agreement shall henceforth include references to the Credit Agreement
as modified and amended by this Amendment, and as may, from time to time, be further modified, amended, restated, extended, renewed, and/or increased. 

3

 

        (b)   Any and all of the terms and provisions of the Loan Documents are hereby amended and modified wherever necessary, even
though not specifically addressed herein, so as to conform to the amendments and modifications set forth herein. 

        (c)   In accordance with Section 6.06 of the Credit Agreement and in
response to a request by Administrative Agent, Borrower will, and will cause each of its Subsidiaries to, permit any representatives designated by the Administrative Agent or any Lender to conduct the
visits, inspections, examinations and discussions provided in such section, and that such the visits, inspections, examinations and discussions may commence at any time within ninety (90) days
of the date of this Amendment. 

        (d)   Within thirty (30) days following the date of this Amendment, Borrower shall furnish Administrative Agent with a
good standing certificate from the State of Georgia. 

        4.     CONDITIONS PRECEDENT. Notwithstanding any contrary provision herein, the amendments described in  Paragraph 2 above are not
effective unless and until: 

        (a)   the representations and warranties in this Amendment, the Credit Agreement, and all other Loan Documents are true and
correct in all material respects, and no Default shall have occurred and be continuing; 

        (b)   Administrative Agent shall have received counterparts of this Amendment executed by Borrower and all Lenders on the
signature page or pages of this document; 

        (c)   Administrative Agent shall have received from the Borrower a Note payable to the order of each Lender requesting same in
accordance with Section 2.07(e), each in the amount of such Lender's Commitment, signed on behalf of the Borrower; 

        (d)   Administrative Agent shall have received a Consent of Guarantor, in the form attached to this Amendment, executed by
Carreker Check Solutions LLC; 

        (e)   Administrative Agent shall have received a First Amendment to Security Agreement, in substantially the form of
Exhibit A attached hereto, signed by Borrower; 

        (f)    Administrative Agent shall have received a Collateral Assignment of Limited Liability company Interest in Carretek, LLC,
in substantially the form of Exhibit B attached hereto, signed by Borrower. 

        (g)   Administrative Agent shall have received Uniform Commercial Code financing statements and other security and Collateral
Documents as are listed on Schedule 5.01(e) attached hereto; 

        (h)   The Administrative Agent shall have received a favorable written opinion (addressed to each of Administrative Agent and
the Lenders, and dated the Effective Date) of Locke Liddell & Sapp LLP, counsel for the Borrower and the Subsidiaries, other than Non-Operating Subsidiaries, in substantially the
form of Exhibit "F-1" to the Agreement, with appropriate completions, in form and substance satisfactory to the Administrative Agent, and covering the matters
set forth therein and such other matters relating to the Borrower, the Subsidiaries, other than Non-Operating Subsidiaries, this Agreement, the other Loan Documents or the Transactions as
the Administrative Agent or Required Lenders shall reasonably request; 

        (i)    The Administrative Agent shall have received such documents and certificates as the Administrative Agent or its counsel
may reasonably request relating to the organization, existence and good standing of the Borrower and its Subsidiaries, other than Non-Operating Subsidiaries, the authorization of the
Transactions, and any other legal matters relating to the Borrower, its Subsidiaries, other than Non-Operating Subsidiaries, this Agreement, the other Loan Documents or the Transactions,
all in form and substance satisfactory to the Administrative Agent and its counsel; 

4

 

        (j)    The Administrative Agent shall have received a certificate, dated the Effective Date and signed by an Authorized Officer
of the Borrower, confirming compliance with the conditions set forth in paragraphs (a) and (b) of
Section 5.02; 

        (k)   The Administrative Agent, the Arranger and the Lenders shall have received all fees and amounts due and payable pursuant
to: (i) the Commitment Letter dated on or about July 7, 2003, executed among Administrative Agent, JPMorgan Securities Inc. and Borrower; (ii) the Fee Letter,
(iii) this Agreement; or (iv) any other Loan Document on or prior to the Effective Date, including, to the extent invoiced, reasonable fees and expenses of Administrative Agent's
counsel, and reimbursement or payment of all out-of-pocket expenses required to be reimbursed or paid by the Borrower hereunder or under any other Loan Document; 

        (l)    The Administrative Agent and its counsel shall have received reports of uniform commercial code and other searches
regarding financing statements and lien filings of record in appropriate jurisdictions with respect to the assets or property of Borrower and its Subsidiaries, as well as all other information,
approvals, documents or instruments as the Administrative Agent or its counsel may reasonably request; 

        (m)  Administrative Agent and its counsel shall have received such legal opinions or other assurances from local counsel as
they deem necessary to confirm the continuing validity and enforceability of the security interest and pledge of shares of Foreign Subsidiaries and the existence and good standing of the Foreign
Subsidiaries in Canada, Australia, and England; and 

        (n)   All documents executed or submitted pursuant to this Section 4 by and on behalf of
the Borrower or any of its Subsidiaries shall be in form and substance reasonably satisfactory to the Administrative Agent and its counsel. 

        5.     RATIFICATIONS. Borrower (a) ratifies and confirms all provisions of the Loan Documents as amended by this
Amendment, (b) ratifies and confirms that all guaranties, assurances, and liens granted, conveyed, or assigned to the Administrative Agent for the benefit of the Lenders under the Loan
Documents are not released, reduced, or otherwise adversely affected by this Amendment and continue to guarantee, assure, and secure full payment and performance of the present and future Obligation,
and (c) agrees to perform such acts and duly authorize, execute, acknowledge, deliver, file, and record such additional documents and certificates as Administrative Agent may reasonably request
in order to create, perfect, preserve, and protect those guaranties, assurances, and liens. 

        6.     REPRESENTATIONS. Borrower represents and warrants to the Administrative Agent and Lenders that as of the date of this
Amendment: (a) this Amendment has been duly authorized, executed, and delivered by Borrower; (b) no action of, or filing with, any Governmental Authority is required to authorize, or is
otherwise required in connection with, the execution, delivery, and performance by Borrower of this Amendment; (c) the Loan Documents, as amended by this Amendment, are valid and binding upon
Borrower and are enforceable against Borrower in accordance with their respective terms, except as limited by bankruptcy, insolvency, fraudulent conveyance, moratorium, reorganization, or other
similar laws affecting creditors' rights generally, and general principles of equity; (d) the execution, delivery, and performance by Borrower of this Amendment do not require the consent of
any other Person and do not and will not constitute a violation of its certificate of incorporation, bylaws, or order of any Governmental Authority, or material agreements to which Borrower is a party
or by which Borrower is bound; (e) all representations and warranties in the Loan Documents are true and correct in all material respects on and as of the date of this Amendment, except to the
extent that (i) any of them speak to a different specific date, or (ii) the facts on which any of them were based have been changed by transactions contemplated or permitted by the
Credit Agreement; and (f) both before and after giving effect to this Amendment, no Default exists. 

5

        7.     MISCELLANEOUS. Unless stated otherwise (a) the singular number includes the plural and vice
versa and words of any gender include each other gender, in each case, as appropriate, (b) headings and captions may not be construed in interpreting provisions,
(c) this Amendment shall be construed, and its performance enforced, under Texas law, (d) if any part of this Amendment is for any reason found to be unenforceable, all other portions of
it nevertheless remain enforceable, and (e) this Amendment may be
executed in any number of counterparts with the same effect as if all signatories had signed the same document, and all of those counterparts must be construed together to constitute the same
document. 

        8.     ENTIRETIES. THE CREDIT AGREEMENT AND THE OTHER LOAN DOCUMENTS, AS AMENDED BY THIS AMENDMENT, REPRESENT THE FINAL AGREEMENT BETWEEN THE PARTIES
ABOUT THE SUBJECT MATTER OF THE CREDIT AGREEMENT AND MAY NOT BE CONTRADICTED BY EVIDENCE OF PRIOR, CONTEMPORANEOUS, OR SUBSEQUENT ORAL AGREEMENTS OF THE PARTIES. THERE ARE NO UNWRITTEN ORAL AGREEMENTS
BETWEEN THE PARTIES.

[Remainder of Page Intentionally Left Blank; Signature Pages to Follow]

 
 

Signature Page to Fourth Amendment to Credit Agreement,
  Dated as of July 31, 2003
  amending Credit Agreement, dated June 6, 2001,
  by and among Carreker Corporation, as
Borrower,
  J.P. Morgan Chase Bank, as Administrative Agent,
  and the Lenders named on Schedule 2.01 thereto    

	

 	
 	
CARREKER CORPORATION
	

 	
 	

By:	

/s/  JOHN D. CARREKER, JR.      
 John D. Carreker, Jr.

Chief Executive Officer
	

 	
 	
JPMORGAN CHASE BANK, individually as a Lender and Issuing Bank and as Administrative Agent
	

 	
 	

By:	

/s/  CHAD SMITH      
 Chad Smith

Vice President

 
 

Signature Page to Fourth Amendment to Credit Agreement,
  Dated as of July 31, 2003
  amending Credit Agreement, dated June 6, 2001,
  by and among Carreker Corporation, as
Borrower,
  J.P. Morgan Chase Bank, as Administrative Agent,
  and the Lenders named on Schedule 2.01 thereto    

	

 	
 	
COMPASS BANK.
	

 	
 	

By:	

/s/  R. BRUCE FREY      
 Name: R. Bruce Frey

Title: Vice President
	

 	
 	
COMERICA BANK
	

 	
 	

By:	

/s/  DAVID WHITING      
 Name: David Whiting

Title: Vice President

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Exhibit 10.1

FOURTH AMENDMENT TO CREDIT AGREEMENT

R E C I T A L S

Signature Page to Fourth Amendment to Credit Agreement, Dated as of July 31, 2003 amending Credit Agreement, dated June 6, 2001, by and among Carreker Corporation, as Borrower, J.P. Morgan Chase Bank, as
Administrative Agent, and the Lenders named on Schedule 2.01 thereto

Signature Page to Fourth Amendment to Credit Agreement, Dated as of July 31, 2003 amending Credit Agreement, dated June 6, 2001, by and among Carreker Corporation, as Borrower, J.P. Morgan Chase Bank, as
Administrative Agent, and the Lenders named on Schedule 2.01 thereto

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