QUOTE FROM WALDEN SAVINGS BANK

“I would like to start by stating unequivocally, "Our Conversion to Banker's Window was the BEST we've ever gone through at Walden Savings Bank!"

The Xyquad team worked with us to create a complete Project Plan start-to-finish. Their timeline was designed to meet our goals. Yet, despite our aggressive conversion schedule, we didn't feel rushed! When we got distracted by other IT projects, they helped to keep us on track to hit all of our target dates. Training our users was a breeze – because the Banker's Window software is intuitive and easy-to-navigate. Things went so well (from Day 1), that we compressed our two-week conversion schedule into one.

You may be thinking, "But what about after the initial conversion?" Well, we've been using Banker's Window for over four months and the news just keeps getting better! We really like that our Project Manager continued with us for ongoing support. Any questions/problems that might arise are resolved much faster when you don't have to explain all the details of your environment/software customization to Technical personnel. It's almost like the Xyquad team is an extension of our IT staff.

Banker's Window also has a great Authoring Toolset. It's included in the price and really user friendly. That's a refreshing change from our prior front-end system. (We chose not to purchase their optional tools because they were expensive and complicated.) With Banker's Window, we've been able to customize our software and forms in-house in order to best meet our business needs. The Workflows have been especially useful for our tellers!

We're very happy with our decision, the performance of Banker's Window, and the excellent support we received from Xyquad.”

 Cindy L. Voss

Vice President – Information Systems

Walden Savings Bank

April 2007

QUOTE FROM FARMERS AND MECHANICS

"Farmers and Mechanics Federal was in search of a new teller system and after much consideration, we chose the Banker's Window product for our front end. We converted in May of 2007 to this system. Joyce Conway was named our XYQUAD project manager. She was very considerate of our needs; knowledgeable of the product; trained us with professionalism. After training, the conversion went as smooth as silk. We converted a few teller positions the first day and all the rest within two days later. It didn't take long for everyone to acclimate themselves to the new software. The transition from our old software was nearly seamless.

After almost a year of using this system, we are very thankful and pleased with the results. We know we made the right choice. We have NO regrets! Joyce has continued to be our XYQUAD support representative. Believe us, it is great to have the same person in charge of our account throughout the process instead of being ‘handed over’ to a different group after conversion.

Farmers and Mechanics Federal recommends the XYQUAD Banker's Window product to anyone looking for front end software which is user friendly, easy to personalize and competitively priced.

We feel XYQUAD was a great fit for us."

 Robert Jackson, President

Nick Skinner, Vice President

Jami Corbin, Customer Service Representative

Farmers and Mechanics Federal

April 2008

QUOTE FROM MIDSATE FEDERAL SAVINGS AND LOAN ASSOCIATION

"Midstate recently converted to Banker's Window and I wanted to thank Xyquad for making it such an easy process. Xyquad's staff was very well prepared, efficient and responsive to our needs. Support during the conversion and after has been excellent. There are a couple of points that I think set Xyquad apart from its competition.

1. The product is comprehensive and intuitive, but affordably priced for a small institution. The other products we tested with the same complexity level were well beyond our budget.

2. The authoring feature surpasses any I have seen. We can change screens, descriptions, create lists, etc. – all on our own. It is easy to use and changes are affected immediately.

3. Xyquad stays ahead of the curve. This year was our first MISER release under Xyquad, and all the changes had been implemented and tested prior to the release date. What a pleasure, not to have to play catch-up or log numerous support calls.

4. Last, but definitely not least, support! You can still talk to a person and the response time is very fast – most issues are resolved within 24 hours. Support issues are regularly addressed in new enhancements.

A special commendation should go to Joyce Conway, who has been an invaluable tool in this last year. She has been extremely helpful and a great asset to Xyquad."

N. Alan Anthony, President

Midstate Federal Savings and Loan Association

January 2006

QUOTE FROM FITCHBURG SAVINGS BANK

“Fitchburg Savings Bank, fsb converted to Xyquad's Banker's Window software in November 2006 from the S1 Zeus product. We staged the conversion over several days for our 7 locations.

Our institution's project team evaluated the Zeus successor FSBA, Fidelity's MISER BA, and Banker's Window during our due diligence process and mistakenly thought our decision would be between FSBA and BA. An online demonstration of Banker's Window caught our attention.

Our team was very impressed with the intuitiveness of the Banker's Window software demo, especially our Retail delivery staff. Currently, our bank does not have a formal training department, so user friendliness and ease of navigation are essential components to us for a front-end system. Additionally, the centralized, single server solution was an attractive option for us, for more efficient administration, as well as reduced hardware expense. Also included in the basic package is a comprehensive customization toolkit, providing for forms authoring and basic transaction changes. Our user reference check yielded many satisfied customers touting legendary customer service.

The transition was virtually seamless with no adverse effects to our staff or customers. Staff was balanced and out the door in less than 30 minutes the first night of conversion. I credit the success of this endeavor to the detailed project plan from Xyquad, executed precisely and professionally by Joyce Conway, and also the efforts from FSB's conversion team.

We've been running Banker's Window for 2 months and are extremely pleased with the following:

• Even non-technical, occasional end-users find Banker's Window easy to use.

• Xyquad was exceptionally receptive to enhancements that benefit the Banker's Window user base, and are quick to modify accepted software changes.

• Centralized server delivery regarding response time and administration performs as expected; no communication response time degradation and the simple administration.

• Response and resolution for support calls is exemplary from all support staff.

• There were no issues with 2006 MISER release.

Banker's Window was a sound choice for Fitchburg Savings Bank's environment and I recommend including Xyquad in your evaluation. They deliver."

Paula Murphy

First Vice President – Technology

Fitchburg Savings Bank (now Rollstone Bank & Trust)

January 2007

QUOTE FROM EASTERN SAVINGS BANK

"Once Eastern Savings Bank was presented with the opportunity to view the Banker's Window product, as a front-end interface to the MISER system, there was no turning back. The software spoke for itself in terms of ease of use and intuitive workflow, and Xyquad was sincerely interested in meeting our needs from day one.

Their team consists of highly professional, knowledgeable, enthusiastic individuals ready to anticipate and support our needs. We also found the product to be a cost effective solution for our institution.

Easter Savings Banks' transition to Banker's Window was virtually seamless. The conversion process was extremely organized and well documented. I don't recall ever being involved in a conversion that was managed so effectively.

We will enjoy working with Xyquad and the Banker's Window software for many years to come!"

Lynn C. Karas, MISER Product Manager

Eastern Savings Bank

September 2005

QUOTE FROM SECOND FEDERAL SAVINGS AND LOAN OF CHICAGO

"Second Federal Savings and Loan of Chicago selected the Xyquad product to replace an aging teller system in 2000.  We were so comfortable with the product's performance, cost and reliability that, when it came time to switch to MISER, we insisted that we convert only if we could continue to use a Xyquad Banker's Window product.  Xyquad came through, wrote an interface to the MISER core process system, and supported us through our entire conversion.

Xyquad was there from day one, training our staff, answering our calls and responding to our inquiries.  They were professional and followed through on all items; they were innovative in the creation of the interface, carrying over some of features that we had on the previous core system.  In addition, we found this to be the most cost effective solution for our bank.

We are pleased with the performance and reliability of both the software and Xyquad employees!"

Mark T. Doyle, President and CEO

Second Federal Savings and Loan of Chicago

February 2005