Carreker Corporation Press Release - February 10, 2000

SVPCo Signs 5-year Services Agreement with Carreker-Antinori

Firm to Provide SVPCo with Product and Technology Services

(DALLAS, February 10, 2000) – Dallas-based Carreker-Antinori, Inc. (NASDAQ: CANI), a leading provider of integrated consulting and software solutions to the financial industry, today announced a five-year agreement with the Small Value Payments Company, L.L.C. (SVPCo). Under this agreement, Carreker-Antinori will provide SVPCo with product and technology services in support of SVPCo’s purchase of assets from the Payment Solutions Network, Inc. (PSN).

"Carreker-Antinori established PSN with the intention of furthering key industry initiatives of electronic check presentment (ECP), fraud mitigation and electronic check return notification," says J.D. "Denny" Carreker, chairman and chief executive officer, Carreker-Antinori. "Carreker-Antinori has served as a steadfast advocate of check electronification and ECP technology within the financial community. ECP is a ‘first step’ in migrating from a paper-based to an electronic payment system. By leveraging their existing payment and settlement roles, their awareness of customers’ ability to pay, and their technical core competencies, banks are well positioned to extend their commercial role as electronic commerce expands."

Since PSN’s formation in 1993, Carreker-Antinori has provided the administrative, staffing and technical support necessary to operate and manage the not-for-profit organization. As a result of the recently announced asset purchase from PSN by SVPCo, Carreker-Antinori will provide SVPCo with similar services as they relate to sales, marketing, customer service, installation and technical support.

Catherine A. Allen, chief executive officer of BITS, the technology group for the Financial Services Roundtable, comments that Carreker-Antinori has continually demonstrated its leadership in support of industry-wide advancement in ECP. "Carreker-Antinori’s continued involvement, following the asset purchase by SVPCo, will ensure continuity of quality service and the leveraging of existing, experienced personnel. SVPCo’s customer base and industry focus, combined with Carreker-Antinori’s technology and support services, facilitates a quick migration to electronics."

About SVPCo – The Small Value Payments Company, L.L.C. serves as a bank-owned private-sector payment system whose first goal is to "electronify" the check. Twenty-two of the 50 largest banks in the United States preside as owners of SVPCo. Member banks account for 48 percent of all domestic deposits. SVPCo allows U.S. banks to work closely together to form an operating company that capitalizes on changing markets and delivers new products and services that support their common interest in the payment system.

About Carreker-Antinori - Carreker-Antinori is a leading provider of integrated consulting and software solutions that enable banks to increase revenue and/or reduce costs, while leveraging institutions’ existing core competencies in order to realize their e-commerce potential. The Company's offerings include revenue enhancement, payment systems, and e-business solutions. The Company's customers include 170 financial institutions in the U.S., Canada, United Kingdom, Ireland and Australia, including 70 of the largest 100 banks in the United States.