TotalPlus^® Banking Platform
Open Solutions, Inc.

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Open Solutions' TotalPlus^® banking platform serves commercial banks, savings banks, and thrifts with fully integrated, enterprise-wide automation. The TotalPlus platform supports front- and back-office requirements with the functional capabilities and operating flexibility necessary in the community bank environment.

In addition to its robust mainframe core processing platform, TotalPlus consists of centrally hosted and managed business applications built on "thin client" technology. This feature-rich solution provides the control and access of an in-house system with the cost advantages, performance, and reliability of outsourcing.

This integrated approach provides enterprise-wide automation for:

• Retail Services • Commercial Services • Mortgage Banking  • Internet Banking • Marketing and Sales • Data Warehouse

• Branch Automation • Relationship Management • Credit and Loan Administration • Financial Management • Bank Operations • Network Services

TotalPlus includes fully integrated support for branch, voice response, call center, ATM, and Internet delivery channels, all of which are synchronized to a common balance file. This provides consistent display of account information across all channels.

The Open Solutions system is parameter-controlled at the branch, product, and account levels, which eliminates traditional data center dependence and enables bank-defined customization. It features the industry's most progressive technologies, including an open-architecture data warehouse; Microsoft^®   Windows^® -based teller, platform, and relationship management solutions; a wide array of electronic and Internet banking solutions; and advanced sales and marketing applications. TotalPlus supports all operating environments: online real-time, proof of deposit (POD), and hybrid.

All TotalPlus systems are thoroughly integrated and interactive to streamline operations, improve employee productivity, and enhance operational controls, with the ultimate goal of enabling Open Solutions' clients to improve customer service while controlling costs. For community banks, this long-term solution can quickly improve operating efficiencies and enable Open Solutions' client banks to maximize sales at points of customer contact.

It is widely accepted that as much as 70% of business data currently resides on mainframe systems. Open Solutions believes in augmenting and extending this technology infrastructure and has a significant investment in, and commitment to, its mainframe system. Open Solutions continues to enhance the system to comply with regulatory requirements and to add new functionality. One of the more recent TotalPlus functional enhancements allows bank clients to use an industry standard browser to access Open Solutions' mainframe applications and process transactions. This significantly reduces end-user training requirements while providing real-time, browser-based access, enhanced transaction processing capabilities, and a contemporary look and feel. The browser-based interface also expedites development and delivery of new features and functions, while leveraging the speed and stability of Open Solutions applications.

Open Solutions integrates its core application processing functions with highly developed open database tools such as Open Solutions' Data Warehouse, marketing, and customer relationship management (CRM) solutions. Open Solutions' TotalPlus banking platform provides the best of both worlds: the advanced functionality, processing speed, and capacity of a mainframe system combined with the simplified access to data and sophisticated capabilities of fully integrated relational database solutions.

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