SPECTRUM

COMPUTER AND MICROCOMPUTER PROGRAMS AND USER DOCUMENTATION SUPPLIED THEREWITH, FOR DEPOSITORY INSTITUTION APPLICATIONS IN THE FIELD OF FINANCIAL DATA PROCESSING AND ACCOUNTING, NAMELY DEPOSIT AND LOAN TRANSACTIONS; CREDIT CARD TRANSACTIONS; LOAN TRACKING; FINANCIAL ANALYSIS, PLANNING AND REPORTING; ELECTRONIC BANKING AND BILL PAYING; AUTOMATIC TELLER TRANSACTIONS; AUTOMATED CLEARING HOUSE; CHECK PROCESSING AND RECONCILIATION; RETIREMENT FUND AND FIDUCIARY TRANSACTIONS AND TRANSMISSION OF FINANCIAL DATA AND TRANSACTION COMMUNICATIONS