OK: I am very familiar with Banker-II, Banker-E , CoreDirector, ect... I was an early developer for banker-II with NCR, ACS, Banctec, ect... If you want to contact me that would be fine, I can shed light on all the JHA products as an indepentent entity, since I am currently not associtaed with any core vendor. I am also familair with Harland Financial Solution, Kirchman, OSI and others, so fee free to call mat at your convienence 585-461-5424