X/NET'S CREDISPHERE® PROVIDES TRAVIS CREDIT UNION WITH ENTERPRISE-WIDE AUTOMATED CREDIT ORIGINATION SOLUTION

Fairport, New York -- November 5, 2002 - Fairport, New York - X/Net Associates, Inc. (X/Net) today announced that Travis Credit Union (Travis), a $1.2 billion asset credit union with eight locations and 112,619 members throughout nine California counties, has successfully implemented X/Net's CrediSphere credit origination suite to automate its consumer credit delivery process.

CrediSphere's unique design and best-in-class features are ideally suited for companies needing an enterprise-class credit origination system that will support automated scoring, decisioning, and notification, as well as multiple points of integration while reducing total cost of ownership.

Travis' CrediSphere system incorporates member-specific points of integration including Calyx Software's Point® system, Travis Credit Union's Credit Insurance calculations, Fiserv's Summit Spectrum host system and Kelley Blue Book, as well as provides members with web access to loan applications.

"Enterprises are looking at CrediSphere to provide total cost of ownership savings, faster loan turnaround time, unparalleled integration ability and improved service levels. CrediSphere not only delivers these benefits today, but is designed to accommodate future needs as well," said Gregg Olin, CEO and President of X/Net.

"In order to maximize productivity and responsiveness we need to ensure that our employees and members have access to loan applications and up-to-date information and rapid decisions wherever they are," said David Purcell, Vice President of Travis Credit Union. "CrediSphere's superior integration capability brings all of the necessary data into our workflow exactly where it is needed, and allows us to provide the best possible service to our members."

CrediSphere, powered by X/Net's proprietary MetaSage® application and integration server, is the only solution available that provides a single, unified environment from which to process all types of credit applications, regardless of where the user may be located -back office, remote branches or over the Internet. CrediSphere for retail lending provides complete credit origination processing for direct, indirect, credit card, revolving credit and home equity credit products.

About Travis Credit Union
Travis Credit Union, with $1.2 billion in assets, serves 112,619 members throughout Solano, Merced, Napa, Contra Costa, Yolo, Sacramento, Placer, San Joaquin and Stanislaus Counties. For more information, contact Travis Credit Union at 1-800-877-8328 or visit the company's website at www.traviscu.com.

About X/Net Associates, Inc.
X/Net Associates, Inc. is an innovative software technology and integration firm. X/Net provides complete software solutions within the financial services market. The company's products include CrediSphere, a next-generation, universal credit origination suite, and MetaSage, the proprietary application/integration server platform. The company is headquartered in Fairport, N.Y. For more information, contact X/Net at 585-425-7047 or 888-GET-XNET or visit the company's website at www.xnai.com.

Media Contacts:
Rick Hughes, X/Net Associates, Inc.
Tel: (585) 425-7047
Fax: (585) 425-2455
Email: rhughes@xnai.com

Cathy Rios, Travis Credit Union
Tel: (707) 469-1611
Email: crios@traviscu.org