Clients
include the full range of community, regional and large banks, among them more
than 75 of the largest 100 banks in the United States.com. and Australasia.

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Carreker's New Payment/Guard(TM) Solution Offers Financial Institutions Advanced Protection Against Double Posting of Image Replacement Documents

"When
Ronnie became president, he wanted to write it all down so we could
remember these special times.K.

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"
A virtual tour of the Managed Care Museum includes timelines;
library of narrative history; a gallery of images; a "Hall of Defunct
Plans" with a database of plans no longer in existence; 20th century
archives database with representative managed care documents and data;
and free subscription signup for the MuseumWire e-newsletter. A link is provided in the Museum for organizations to contact
us regarding submitting such content. The handwritten diaries, seen
by only a few people to date, will share President Reagan's personal
observations and insights into the extraordinary, the historic and the
routine day-to-day events of his presidency. Barnett of
Williams + Connolly, the attorney representing the Foundation. It now
serves as the final resting place of America's 40th President .

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Publishing Writers/Business Editors

NEW YORK----The Ronald Reagan
Presidential Library Foundation and HarperCollins Publishers today
announced that HarperCollins has acquired world rights to publish
former President Ronald Reagan's diaries from his eight-year term as
the 40th President of the United States.

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For more information, please visit www.
"To read these personal diaries is a remarkable experience," said
Jane Friedman, President and CEO of HarperCollins Publishers.
www .

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Payment/Guard(TM) Provides Financial Institutions With the Ability to Minimize
Costly Processing Delays and Improve Customer Service

DALLAS, Carreker Corporation
(Nasdaq: CANI), a leading provider of technology and consulting solutions for
the financial industry, announced today that they have developed a duplicate
IRD protection solution, Payment/Guard(TM) that provides financial
institutions with advanced protection against double postings of Image
Replacement Documents (IRDs). Detected duplicates are then
prevented from being posted to customer accounts. MCOL delivers knowledge
resources to health management, managed care, and other health
professionals through Membership services, HealthcareWebSummits,
Directories and Reports from the HealthQuest Publishers division,
e-learning software, e-commerce, specialty web sites, e-business
solutions and news releases through the HealthExecWire division.com

About the Reagan Foundation:

The Ronald Reagan Presidential Foundation is a non-profit,
non-partisan organization that sustains the Ronald Reagan Presidential
Library and Museum, the Center for Public Affairs, the Presidential
Learning Center and The Air Force One Pavilion.

admission took

MCOL
is based in Modesto, California, with additional offices in Portland,
Oregon., Canada, the U.

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Information on houses, mansions, farms and other dwellings that were once a private residence and have been converted into a museum because of the historic significance of its architecture, location, resident(s) and/or event(s) that took place there.

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Clive Riddle, MCOL president, says, "In celebration of MCOL's 10th
anniversary providing knowledge resources to managed care and health
management professionals, we're delighted to open the Managed Care
Museum, where admission will always be free of charge, and important
past information on managed care will remain readily available to
those who seek it.

Ronald Reagan's Historic Presidential Diaries to Be Published by HarperCollins; Detailed Diaries to Offer a Rare Personal Glimpse Into the Daily Life of an Ame

Tim
Duggan, Executive Editor at HarperCollins, will serve as editor.S.

once because

"
Carreker continued, "For more than 15 years Carreker has offered duplicate
protection in Electronic Check Presentment (ECP) check processing and now we
have carried that technology forward to include duplicate protection for IRDs."

About Carreker Corporation
Carreker Corporation improves earnings for financial institutions around
the world.reaganlibrary.

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Financial institutions are currently creating hundreds of thousands of
IRDs daily, with these volumes expected to continue to grow. As each new IRD is processed, it is compared
to previous items to check for duplicates.----MCOL, the
premiere business-to-business health management and managed care
resource company, is pleased to announce the launch of a free public
web site: www., Chairman of the Board of Trustees
for the Ronald Reagan Presidential Foundation. Headquartered in New York, the company has
publishing groups in the U.

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The Company's integrated consulting and software solutions are
designed to increase clients' revenues and reduce their expenses, while
improving security and increasing the value of their customer relationships.
Carreker provides products and services to more than 250 clients in the United
States, Canada, the United Kingdom, Ireland, continental Europe, Australia,
New Zealand , South Africa, South America, Mexico, and the Caribbean.
Claire Thayer, MCOL vice president of Research and Development,
adds, "While we've opened the Managed Care Museum with a very
interesting collection of information, we also continue to welcome
submission of historical content to the Museum from interested
organizations, such as representative plan documents, historical
articles and papers or current papers on the history of managed care,
links to historical photos and images, and representative historical
data. "Although they were not
initially intended for publication, we feel that these volumes offer
an unprecedented insight into the Reagan Presidency.

broadgreen dwellings

After the Check Clearing Act for the 21st Century (Check 21) took effect
October 28, 2004, banks were no longer required to have access to original
checks for collection and settlement, but could use substitute checks (also
known as IRDs) and images instead.com ."
President Reagan's distinctive wit, intelligence, warmth and humor
are evident on each page of the most detailed Presidential diaries in
America's history .harpercollins.

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D.mcol."
The Ronald Reagan Presidential Library, in Simi Valley, CA will
display the diaries today, starting with the first volume.

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Organizations submitting accepted content are cited as a Museum
Patron. "This
book will shine a new light on the character of a true American
leader , and we're delighted to be able to publish such a momentous
work. You can visit HarperCollins Publishers on the
Internet at http://www.

historic residence

Payment/Guard(TM) prevents these double postings by detecting duplicate
IRDs prior to posting. The solution interfaces to a bank's existing capture
system to identify and store IRDs received by the bank as part of inclearings
or Proof of Deposit (POD) work. Headquartered in
Dallas, Texas since 1978, Carreker Corporation has offices in London and
Sydney .carreker.managedcaremuseum.
"When we left Sacramento, we felt the time passed so quickly, we
could hardly remember the eight years," said Nancy Reagan.
HarperCollins negotiated the deal with Robert B."

About HarperCollins Publishers:

HarperCollins is one of the leading English-language publishers in
the world and is a subsidiary of News Corporation (NYSE: NWS, NWS. Located in Simi
Valley, California the Library houses over 55 million pages of
Gubernatorial, Presidential and personal papers and over 100,000 gifts
and artifacts chronicling the lives of Ronald and Nancy Reagan .

19th dwellings

(Denny) Carreker, chairman and CEO,
Carreker."

About MCOL

MCOL is focused on helping professionals position themselves for a
new kind of health care in the 21st Century. For
more information on the Reagan Library, please call 800-410-8354.

dwellings broadgreen

"
"IRDs are playing a much larger role in the financial services industry
than originally predicted," said J. "Duplicate IRDs have become a growing challenge for financial
institutions and as they seek solutions to address this issue, we are pleased
to deliver another key component of our convergent payments solutions.
Payment /Guard(TM) will serve our clients well as they continue to reap the
many benefits brought on by the enactment of Check 21.

MCOL Honors 10th Anniversary as Premiere Managed Care Web Destination with Launch of the Managed Care Museum a Free Public Repository of Historical Managed Ca

A;
ASX: NWS, NWSLV) .

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This unique site is dedicated to
providing a repository of historical managed care data for health care
professionals, researchers, students, speakers preparing
presentations, the media and the general public. Its
publishing groups include the HarperCollins General Books Group,
HarperCollins Children's Books Group, Zondervan, HarperCollins UK,
HarperCollins Canada, HarperCollins Australia /New Zealand and
HarperCollins India.

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"Each day during his eight years in the White House, Ronald Reagan
recorded his innermost thoughts and observations in his personal
diary," said Frederick J. Ryan, Jr.

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com/about.

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For more information, visit http://www.

Business Editors /Healthcare Editors/High-Tech Editors

MODESTO, Calif.htm, or
call 209-577-4888.com

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A number of
production control situations can cause duplicate IRDs to inadvertently be
introduced to a financial institution, resulting in possible double postings,
increased operational costs, and customer service issues.
"With the proliferation of IRDs in the financial services industry, there
is a strong likelihood that the number of duplicate IRDs will continue to grow
at a rapid rate," said John Carreker, president, Global Payments Technology,
Carreker. "Our Payment/Guard(TM ) solution allows financial institutions to
greatly improve customer service and operational efficiencies by providing
them with reports that facilitate handling of exceptions, duplicate paper, and
re -presentments. The book will be published in 2006.

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