xyberNET, Inc.

Testimonials

Allstate

"In November of 2008, we made the difficult decision to outsource the majority of our XYCOR support to XyberNET. This was actually implemented in February of 2009 and has been extremely successful for us.

We have been a XyberNET customer since 1985. We utilize xyCredit, xyClaims and Datarray. For most of this time, we had a three-person internal team for front-line support, reporting and small to medium system modifications. Larger projects were outsourced to XyberNET as well as training and upgrade assistance. Our three person team had almost two decades of collective experience working with XYCOR.

There were several compelling factors driving the decision to outsource:

· Lack of productivity and system expertise. While our resources supported the XYCOR systems for many years, we realized that they did not really know the system and were going to XyberNET for support / problem resolution assistance anyway.

· Cost / overhead associated with the management of the internal resources

· Difficulty and cost when upgrading XYCOR due to the many system changes that we made that were not included in the base code

· Constantly increasing back-log of work requests

Our outsourcing agreement with XyberNET has been very successful for us in a number of ways:

· It has allowed us to complete projects in a more timely fashion with increased quality.

· If the modification we need is specific to us, it is made to the base XYCOR code so that it will be available in future releases and not have to be modified or applied again when we do an upgrade.

· While we have an outsourcing agreement with XyberNET, they still have maintained their support/problem resolution agreement that goes with yearly maintenance agreements. Corrections to problems are not billed towards our outsourcing agreement.

· We are not limited to just three resources. We assign projects to XyberNET and they use their full range of resources to get the assignments completed. When we need additional capacity to manage high-priority or fast-tracked projects, XyberNET is able to apply additional resources to meet those needs. This means that we can have more assignments executed concurrently, which has reduced our back-log of requests.

In closing, outsourcing our XYCOR support to XyberNET has benefitted us with lower overall costs, higher quality and easier upgrades. Thank you, XyberNET."

Tony Smid

Vice President

Allstate

American General Finance

“XyberNET set the bar against which we measure other vendors. XyberNET is very attentive to our needs and those of the user community. They are one of the few vendors who actually listen to the clients to make improvements in their systems.”

Mike Brown

Manager of Insurance Applications

American General Finance

Citi Assurance Services

“XyberNET has been a primary vendor for Citi Assurance for over 20 years. They continue to be the leader in their segment and deliver quality products and services.

If you are in the market for credit insurance or debt protection / supplemental insurance systems, they are the one you need to contact.”

Michael Dymond

Director/ CIO

Citi Assurance Services

Cardif Insurance

"XyberNET is a great ASP. We have been using their products for over seven years. The addition of Datarray to our reporting infrastructure has exceeded my expectations and enhanced the efficiency and timeliness in the production of report data. We have used Datarray for approximately 3 years now and have numerous reports developed. Thanks XyberNET for understanding our needs and providing reasonable solutions and great support."

Chris Alfaras

Information Technology & Development Manager

Cardif Insurance

Old Republic Life Insurance Company

"XyberNET has been our ASP for over ten years. During this time we have been very impressed by their experience, professionalism and reliability as they continually exceed our expectations. They are responsive to our needs and continue to move their systems forward to meet new business challenges. We have enjoyed our relationship and look forward to continuing a great partnership."

Len Milazzo

President

Old Republic Life Insurance Company

Resource Life Insurance Company

“Our organization has used the Xycor Systems since 1986 and XyberNET has been our ASP since 1997. We recently accessed our options (in-house vs. outsource, Xycor vs. other systems) and we found that Xycor and XyberNET provide the most comprehensive credit insurance administrative package available.

Bill Bigley

Senior Vice President

Resource Life Insurance Company

Old Republic Life Insurance Company

"Old Republic has been a XyberNET client since February 1998. During this time they have provided our company with excellent service, suggestions and personal attention to modify their system to conform to our products. Their quick responsiveness to our questions and great level of service put them ahead of their competition.

We are also very pleased with the Application Services (ASP) arrangement, which affords high availability access to the hosted applications which are effectively managed, maintained and supported by XyberNET's competent staff and adequate technical resources.

We have been involved in the User Group since 1999 and have greatly benefited from the opportunity the group provides to network and discuss the changing workplace with our peers.

XyberNET's selection of new products shows us they are keeping up with the changing workplace and are ready to help with all our system needs.

I can confidently recommend XyberNET as a solid and reliable supplier, and experts in their field."

Bill Stanislaw

Assistant Director- IT

Old Republic

Debra Bikar

Operations Manager

Old Republic

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