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The Next Generation
of Origination Services

Wipro Gallagher Solutions offers an end-to-end mortgage loan origination solution utilizing optimized business processes and best-in-class NetOxygen technology.

Origination Services

With our extensive variety of origination services, we can establish a transformation roadmap based on a review of your current platform and operations and build a plan to deliver it seamlessly, reducing your total costs by 30% or more.

NetOxygen

WGS automates the loan-origination and vendor-management process across multiple loan product types via NetOxygen, our web-based loan origination solution. NetOxygen allows lenders to improve efficiencies via dynamic workflow routing and rule-driven, streamlined business processes. NetOxygen was designed to handle all aspects of the lending process for all channels and loan types using a component-based, end-to-end system. WGS also provides an off-the-shelf solution that can be tailored to meet challenges that arise in an ever-changing industry.

NetOxygen Cirrus

With NetOxygen, you can choose from multiple solution models on a variable-cost platform. You can even choose to implement it as a hosted solution, minimizing the overhead of integrating a new solution. Built on the same proven, scalable NetOxygen components lenders have used for years, WGS introduces NetOxygen Cirrus - a fully hosted, fully managed solution that is available at a fraction of the cost.

Gallagher Financial Systems and IntraPrise Solutions, Inc. Form Mutual Alliance

Companies use Merit Matrix Connect data to transfer business rules

Brentwood, TN - Gallagher Financial Systems, Inc. (GFS), a leader in enterprise Loan Origination System technology, and IntraPrise Solutions, Inc. (ISI), a premier software solutions managed services and software products provider, have formed an alliance to use Merit Matrix Connect (MMC) to create a unique, tightly integrated interface. Merit Matrix, a loan product eligibility information outsourcing service, is ISI's flagship product. MMC integrates the investor lending guide information compiled by Merit Matrix with the workflow/pipeline management technology of GFS to offer a fully automated system to their mutual customers.

GFS has developed a process to import the product eligibility business rule data from Merit Matrix's search engine directly into their NetOxygen business rule designer. The resulting product eligibility rules are made available directly to the customer's .NET NetOxygen lending platform. This process eliminates the need for customers to manually enter their lending guide into a machine-readable format within a rules engine. As new rules are added, the existing ones remain valid because the integrated system has been engineered to accommodate multiple versions of business rules.

"The rules are automatically updated by the system," explained Don Hubert, vice president of External Services at GFS. "Not only does this solve the problem of having out-of-date rules due to the inability to keep up the maintenance, but it also allows rules to be changed as of a specific date. This gives lenders the ability to have loans in the pipeline that are always qualified against the correct set of business rules."

The new system significantly enhances efficiency and it adapts to individual business models. GFS plans to offer this interface as part of its base product to new customers, and GFS will work with their existing customers who may be interested in converting their product eligibility rules to use this interface.

The first company to take advantage of the new technology is planning to deploy in a production environment some time in the first quarter of 2007.

"With this product, companies get to combine two technologies that have been very successful in their respective areas," said Frank Poiesz, executive vice president at ISI. "They are able to use Merit's premier eligibility search engine and combine it with GFS' best-in-class loan origination system. This is a win-win solution."

Contact
Joey McDuffee
Vice President, Sales and Marketing
Wipro Gallagher Solutions
1.800.989.9996 or 615.221.7358

About Wipro Gallagher Solutions
Founded in 1985, Wipro Gallagher Solutions, formerly Gallagher Financial Systems, is one of the nation's largest residential loan origination systems providers. WGS is headquartered in South Miami, Fla., with its national operations center in Brentwood, Tenn. Wipro Gallagher Solutions' NetOxygen architecture allows lenders to improve efficiencies via dynamic workflow routing and rule-driven, streamlined business processes. NetOxygen was designed to handle all aspects of the lending process for all channels and loan types using a component-based, end-to-end system, which allows enterprise-wide data access for improved customer service. WGS also provides an off-the-shelf solution that can be tailored to meet technological and business challenges that arise in an ever-changing industry. GFS was acquired by Wipro Limited in July, 2008.

About Wipro Limited
Wipro provides comprehensive IT solutions and services, including systems integration, information systems outsourcing, package implementation, software application development, and maintenance, and research and development services to corporations globally. Wipro Limited is the first PCMM Level 5 and SEI CMM Level 5 certified IT Services company globally. Wipro’s IT Services business was assessed at Level 5 for CMMI V 1.2 across Offshore and Onsite development centers. For more information, please visit our website at www.wipro.com.

About IntraPrise Solutions and Merit Matrix
IntraPrise Solutions, Inc. provides software solutions, managed services and software products for the financial services industry. The company, headquartered in Newtown, Pa., offers a range of services that support fully automated, web-based performance of mission critical tasks and proactive process management, on a hosted or licensed basis.

ISI's flagship product, Merit Matrix, is a loan product eligibility information outsourcing service that is delivered using an easy-to-learn, simple-to-use loan product search engine. The Merit Matrix team of mortgage professionals has been maintaining product information for the mortgage banking industry for more than 13 years. Using an innovative web-based interface, Merit Matrix customers are provided Internet access to their loan product data on a 24/7 basis. Detailed online product searches match loan programs with borrower criteria. The Merit Matrix database already maintains more than 120 investors and over 6,000 separate products—it can also be customized to include company-specific investor relationships. For more information about ISI or Merit Matrix, please visit www.intraprisesolutions.com or call Karen or Rick Redman at (267) 352-0000.

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