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The ORS-APM Product provides Business-Application Process Management control with a level of flexibility and power unmatched in

the industry.

Providing Real-Time control and modification to your business rules while enabling complete automation of your Business Process

Management.

More than simply a Loan Origination Software Product, APM manages your business through a flexible and powerful Workflow Management Engine.

"With the APM Solution, businesses gain flexibility and regain control."

APM Demonstration Videos Now Available!

Why Use APM?

Loan Origination Software needs to do more than simply make decisions. Decisions without actions is only a small portion of the work

of originating loans. APM's robust Workflow Management Engine allows you to customize your workflow rules into our product and

enables you to automate and enhance all aspects of your business flow.

Implementing APM within your corporation brings together the strength of your business knowledge and the flexibility of APM’s technical advantages to deliver a real and measurable value to your business.

APM provides you with the power to automate your processes.

You set and reset the rules to conform APM to how you want to execute your business.

You have control with APM.

You set up your business rules and maintain and alter them

You can do this in real-time, for immediate production impact

APM gives you the flexibility and the depth of rule configuration required to automate your business rules.

Increasing rather than diluting your competitive advantage.

Providing you with the tool to control your business processes

APM provides a level of configuration and automation that is second to none in the loan-origination arena.

Without parallel in the field of Loan Origination and Workflow Management and backed up with customer service that is second-to-none

in the industry, APM and Open Rule Systems allow you to enhance the productivity, profitability, and flexibility of your organization.

The APM Solution

The business of loan origination is a human-intensive and time-consuming process of gathering and evaluating mountains of data against extremely complex rules to determine the viability of a loan application.

What problems do you see in that sentence?

1. Human-Intensive. In order to grow your business, you must add a disproportionate number of new employees. Thus the reward for

increased business is off-set by the responsibility and cost of an ever-increasing workforce.

2. Time-Consuming. A loan application takes time to process, all information must be vetted against your lending rules.

3. Extremely Complex Rules. It is your rules that define your business. In order to keep your rules, you have to do things manually.

OR DO YOU?

Many Loan Origination Products purport to provide you with the ability to use your rules in their systems. Often this is only the case if

you are willing to pay for custom development and/or share your rules with other clients of that vendor; thus forcing you to give up

some of your competitive advantage.

This is not the case with APM. Your rules define your business and remain your property and within your control when you use APM.

Rules in APM are configured not programmed. What does that mean?

It means…

1. Your own business experts can implement your lending rules. (With the assistance of Open Rule Systems, if you wish.)

2. You can respond to market changes immediately, not waiting for your own staff of programmers or an unresponsive vendor.

3. Rules are easily changed, allowing you to try new approaches to lending without incurring high-costs for modifications.

APM is a tool, conceived and developed by Open Rule Systems, that allows financial service business to take ownership and control

of their business practice.

Giving them the ability to effectively implement virtually any business model and allowing them to secure and maintain a competitive

advantage in any marketplace under any market conditions.

The Open Rule Concept

Designed to give you control, flexibility, and efficiency beyond anything else in the market place APM consistently provides our clients

with the ability to manage and grow their business with less effort, less cost, and less compromise than any other solution.

Application Process Manager (APM) was created by Open Rule Systems specifically to give you back control of your business.

It is a tool that will allow you mold a system into the precise image of your business model, the way that you want it to be.

- With APM, the product conforms to your business rules, you do not

conform to its.

It allows you not only to implement your business model, but also to implement that model in the most effective and efficient manner

possible.

APM is the delivery of Business-Centric Control to our Clients.

Contact Information

We are located in Grapevine Texas and can be contacted at our office at: 1133 Airline Drive, Suite 2201

Grapevine, TX 76051

You may also phone the office at 817-410-9888

Or contact us by email:

President: Robert Skidmore (bskidmore@openrule.com)

CTO: Kevin Perkins (kperkins@openrule.com)

APM Implementation: Glenn McCallum (gmccallum@openrule.com)