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Exhibit 10.2  

 
 

CERTIFICATION OF PERIODIC REPORT    
  

        This certification is provided pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. § 1350, and accompanies the annual
report on Form 20-F (the "Form 20-F") for the year ended December 31, 2002 of Preem Holdings AB (publ) (the "Issuer"). 

        I,
Per Höjgård the Chief Financial Officer of the Issuer, certify that: 

          (i)  the
Form 20-F fully complies with the requirements of Section 13(a) or Section 15(d) of the Securities Exchange Act of 1934 (15 U.S.C.
78m(a) or 78o(d)); and 

        (ii)  the
information contained in the Form 20-F fairly presents, in all material respects, the financial condition and results of operations of the
Issuer. 

	Dated:	April 30, 2003.	 
	 	 	 
	 	 	 
	/s/  PER HÖJGÅRD      
 Name:  Per Höjgård

Title:    Chief Financial Officer	 

        A signed original of this written statement required by Section 906 has been provided to Preem
Holdings AB (publ) (the "Company") and will be retained by the Company and furnished to the Securities and Exchange Commission or its staff upon request. 

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Exhibit 10.6  

 
 

INDEMNIFICATION AGREEMENT
  Officer of Carreker Corporation    
  

        This Indemnification Agreement (this "Agreement") dated as
of                        , is between Carreker Corporation, Inc., a Delaware corporation (the
"Company"), and the undersigned officer of the Company (the "Indemnitee"), with reference to the following facts: 

        The
Indemnitee is currently serving as an officer of the Company and the Company desires that the Indemnitee continue in such capacity. The Indemnitee is willing, under certain
circumstances, to continue serving as an officer of the Company. 

        Section 145
of the General Corporation Law of the State of Delaware, under which law the Company is organized, empowers a corporation to indemnify a person serving as a director,
officer, employee or agent of the corporation and a person who serves at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture,
trust or other enterprise, and such Section 145 and the bylaws of the Company specify that the indemnification set forth in said Section 145 and in the bylaws, respectively, shall not be
deemed exclusive of any other rights to which those seeking indemnification may be entitled under any bylaw, agreement, vote of stockholders or disinterested directors or otherwise. 

        In
order to induce the Indemnitee to serve as an officer of the Company, the Company hereby agrees to indemnify the Indemnitee as follows: 

	1.
	Indemnity.    The Company shall indemnify the Indemnitee and his or her executors, administrators or assigns, for any Expenses
(as defined below) that the Indemnitee is or becomes obligated to pay in connection with any Proceeding. As used in this Agreement the term "Proceeding" shall include any threatened, pending or
completed claim, action, suit, investigation or proceeding, whether brought by or in the right of the Company or otherwise and whether of a civil, criminal, administrative or investigative nature, in
which the Indemnitee may be or may have been involved as a party, witness or otherwise, by reason of the fact that Indemnitee is or was a director or officer of the Company, by reason of any actual or
alleged error or misstatement or misleading statement made or suffered by the Indemnitee, by reason of any actual or alleged action taken by him or her or of any actual or alleged inaction on his or
her part while acting as such director or officer, or by reason of the fact that he or she was serving at the request of the Company as a director, trustee, officer, employee or agent of another
corporation, partnership, joint venture, trust or other enterprise; provided, however, that Indemnitee shall not be entitled to indemnification
hereunder to the extent that Indemnitee did not act in good faith and in a manner which he or she reasonably believed to be in or not opposed to the best interests of the Company, and, in the case of
a criminal proceeding, in addition had reasonable cause to believe that his or her conduct was unlawful. As used in this Agreement, the term "other enterprise" shall include (without limitation)
employee benefit plans and administrative committees thereof, and the term "fines" shall include (without limitation) any excise tax assessed with respect to any employee benefit plan. Any
corporation, partnership, limited liability company or other entity on behalf of which Indemnitee may be deemed to be acting in connection with his or her service to the Company shall be entitled to
the benefits of the indemnity provided for by this Agreement to the same extent and under the same conditions upon which Indemnitee is entitled to such indemnity.

	2.
	Expenses.    As used in this Agreement, the term "Expenses" shall include, without limitation, damages, judgments, fines,
penalties, settlements and costs, attorneys' fees and disbursements and costs of attachment or similar bonds, investigations, and any expenses of establishing a right to indemnification under this
Agreement. 

 

	3.
	Enforcement.    If a claim or request under this Agreement is not paid by the Company, or on its behalf, within 30 calendar
days after a written claim or request has been received by the Company, then the Indemnitee may at any time thereafter bring suite against the Company to recover the unpaid amount of the claim or
request and if successful in whole or in part, the Indemnitee shall be entitled to be paid also the Expenses of prosecuting such suit. The burden of proving that the Indemnitee is not entitled to
indemnification for any reason shall be upon the Company.

	4.
	Subrogation.    Upon any payment under this Agreement, the Company shall be subrogated to the extent of such payment to all of
the rights of recovery of the Indemnitee, who shall execute all papers required and shall do everything that may be necessary to secure such rights, including the execution of such documents necessary
to enable the Company effectively to bring suit to enforce such rights.

	5.
	Exclusions.    The Company shall not be liable under this Agreement to pay any Expenses in connection with any claim made
against the Indemnitee:

	(a)
	to
the extent that payment is actually made to the Indemnitee under a valid, enforceable and collectible insurance policy;

	(b)
	to
the extent that the Indemnitee is indemnified and actually paid otherwise than pursuant to this Agreement;

	(c)
	in
connection with a judicial action by or in the right of the Company, in respect of any claim, issue or matter as to which the Indemnitee shall have been adjudged to be liable to
the Company unless and only to the extent that any court in which such action was brought shall determine upon application that, despite the adjudication of liability but in view of all the
circumstances of the case, the Indemnitee is fairly and reasonably entitled to indemnity for such expenses as such court shall deem proper;

	(d)
	if
and to the extent that it is proved by final, non-appealable judgment in a court of law or other final adjudication to have been based upon or attributable to the
Indemnitee's in fact having gained any personal profit or advantage to which he or she was not legally entitled;

	(e)
	for
a disgorgement of profits made from the purchase and sale by the Indemnitee of securities pursuant to Section 16(b) of the Securities Exchange Act of 1934, as amended, and
amendments thereto or similar provisions of any state statutory law or common law; or

	(f)
	for
any judgment, fine or penalty which the Company is prohibited by applicable law from providing indemnity hereunder. 

	6.
	Indemnification of Expenses of Successful Party.    Notwithstanding any other provision of this Agreement, to the extent that
the Indemnitee has been successful on the merits or otherwise in defense of any Proceeding or in defense of any claim, issue or matter therein, including dismissal without prejudice, Indemnitee shall
be indemnified against any and all Expenses incurred in connection therewith.

	7.
	Partial Indemnification.    If the Indemnitee is entitled under any provision of this Agreement to indemnification by the
Company for some or a portion of Expenses, but not, however, for the total amount thereof, the Company shall nevertheless indemnify the Indemnitee for the portion of such Expenses to which the
Indemnitee is entitled. 

INDEMINIFICATION
AGREEMENT                                        
                                          
                  Page:  2
 

 

	8.
	Advance of Expenses.    Expenses incurred by the Indemnitee in connection with any Proceeding, except the amount of any
settlement, shall be paid by the Company in advance promptly upon request of the Indemnitee that the Company pay such expenses. The Indemnitee hereby undertakes to repay to the Company the amount of
any Expenses theretofore paid by the Company to the extent that it is ultimately and finally determined or that the Indemnitee is not entitled to indemnification.

	9.
	Notice of Claim.    The Indemnitee, as a condition precedent to his or her right to be indemnified under this Agreement, shall
give to the Company notice in writing as soon as practicable of any claim made against him or her for which indemnity will or could be sought under this Agreement, but a failure to give such notice
will affect the obligations of the Company hereunder only to the extent that the Company is actually and materially prejudiced thereby. Notice to the Company shall be given at its corporate
headquarters and shall be directed to the corporate secretary (or such other addressee as the Company shall designate in writing to the Indemnitee); notice shall be deemed received if sent by prepaid
mail properly addressed, the date of such notice being the date postmarked. In addition, the Indemnitee shall give the Company such information and cooperation as it may reasonably require in
connection with such claim.

	10.
	Counterparts.    This Agreement may be executed in any number of counterparts, all of which taken together shall constitute
one instrument.

	11.
	Indemnification Hereunder Not Exclusive.    Nothing herein shall be deemed to diminish or otherwise restrict the Indemnitee's
right to indemnification under any provision of the Certificate of Incorporation or bylaws of the Company and amendments thereto or under law.

	12.
	Governing Law.    This Agreement shall be governed by and construed in accordance with Delaware law, without giving effect to
the principles of conflict of laws thereof.

	13.
	Saving Clause.    Wherever there is conflict between any provision of this Agreement and any applicable present or future
statute, law or regulation contrary to which the Company and the Indemnitee have no legal right to contract, the latter shall prevail, but in such event the affected provisions of this Agreement shall
be curtailed and restricted only to the extent necessary to bring them within applicable legal requirements.

	14.
	Coverage.    The provisions of this Agreement shall apply with respect to the Indemnitee's service as an officer of the
Company prior to the date of this Agreement and with respect to all periods of such service after the date of this Agreement, even though the Indemnitee may have ceased to be an officer of the
Company.

	15.
	Successors and Assigns.    This Agreement shall be binding upon and inure to the benefit of the parties hereto and their
respective heirs, legatees, legal representatives, successors and permitted assigns. 

INDEMINIFICATION
AGREEMENT                                        
                                          
                  Page:  3
 

 

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

	 	CARREKER CORPORATION, INC.
	

 	

By:	
 	

 
	 	 	 	

	 	Printed Name:	 	 
	 	 	 	

	 	Title:	 	 
	 	 	 	

	

 	

INDEMNITEE
	

 	

By:	
 	

 
	 	 	 	

	 	Printed Name:	 	 
	 	 	 	

	 	Title:	 	 
	 	 	 	

INDEMINIFICATION
AGREEMENT                                        
                                          
                  Page:  4 

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INDEMNIFICATION AGREEMENT Officer of Carreker Corporation

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