Carreker Corporation Press Release - January 27, 2000

U.S. Bank Plans New Technology In Branch Operations

Carreker-Antinori's Software Solution Yields Improved Customer Service

(Dallas, January 27, 2000) - Carreker-Antinori, Inc. (NASDAQ: CANI), announced today that U.S. Bancorp (NYSE: USB), the nation’s 12th largest bank holding company, has contracted with the company to integrate new software and technology into the bank's branch operations to augment its customer service systems and improve internal efficiencies. Dallas-based Carreker-Antinori will integrate its Branch Item Truncation System (BIT) with U.S. Bank’s branch platform system.

"The branches are a key element of the company’s infrastructure, and our objective is to provide the best client experience possible for customers who come through our door," said Peter Raskind, head of branch channel for U.S. Bank. "We are adding to the set of tools available to the branch manager to solve customer problems. With the addition of Carreker-Antinori’s BIT, we will have another advanced tool to help us deliver on our commitment to quality service," Raskind continued.

The first stage of system usage will begin this spring with installation and systems compatibility testing. Included with the BIT software installation are other new technologies such as check magnetic-code readers and information capturing systems that will be installed at the teller windows to enhance service quality and reduce service time. U.S. Bank expects to have the system in place in a select group of branches by the fourth quarter of 2000.

Carreker-Antinori’s BIT system is currently installed at several top-tier U.S. banks; additionally, the company has contracts pending with several key regional banks.

"Our BIT software has become an integral component of our clients’ transition from a paper-based payment system, to one driven by electronic processes," said Royce Brown, executive vice president, Carreker-Antinori. "As financial institutions continue to carve out their role in the e-commerce market, technologies such as our BIT solution not only support that role, but help ensure that customer satisfaction and accurate processing are not sacrificed."

"I appreciate Carreker-Antinori's comprehensive approach and proven track record surrounding this initiative," said Peter Michielutti, head of information services for U.S. Bank. "Our companies formed a joint project team that performed in-depth technical analyses of how BIT could enrich our customers’ experience. The team balanced their work against other internal bank initiatives and client sensitivities while maintaining the focus of U.S. Bank’s commitment to delivering quality service," said Michielutti.

About U.S. Bancorp – Minneapolis-based U.S. Bancorp, with $82 billion in assets, is the 12th largest bank holding company in the nation and operates approximately 1,000 banking offices in the West and Midwest. The company provides comprehensive banking, trust, investment, and payment systems products and services to consumers, businesses and institutions. It operates a network of 5,300 ATMs and provides 24-hour, seven-days-a-week telephone customer service. The company offers full-service brokerage services at approximately 100 offices through U.S. Bancorp Piper Jaffray. The company is the largest provider of Visa corporate and purchasing cards in the world, and is one of the largest providers of corporate trust services in the nation. For further information, please see the U.S. Bancorp web site at www.usbank.com.

For additional information, please contact Public Relations, Carreker-Antinori, (800) 486-1981 or Samantha Levine, U.S. Bancorp, (612) 973-4594.