Online Resources powers financial technology services for thousands of financial institutions, billers and credit service providers. Its proprietary suite of account presentation and payment services are branded to its clients, and are augmented by marketing services to drive consumer and business end-user adoption. The Company serves over 10 million billable end-users and processes approximately $100 billion in bill payments annually. Founded in 1989, Online Resources (Nasdaq: ORCC - www.orcc.com) is recognized as one of the nation's fastest growing companies.

• Clients — Thousands of banks, credit unions, billers and credit service providers
• Market Focus — Banks, credit unions, billers and credit service providers
• Locations - Chantilly, VA (Headquarters), Parsippany, NJ, Princeton, NJ, and Columbus, OH (eCommerce Services), Woodland Hills & Pleasanton, CA (Custom Solutions)
• Employees — 600
• Founded — 1989
  

Online Resources provides B2B2C web-based financial services to three different markets.

Our roots are in the banking market, where we provide our Banking Services to community and regional banks and credit unions, and large banking firms for niche situations. With the 2005 acquisition of California-based Integrated Data Systems, we also provide custom solutions to financial institutions, including new products such as account opening and lending, plus the ability to deploy these and other services in-house, hosted or via a service bureau.

With the 2004 acquisition of New Jersey-based Incurrent, Online Resources expanded into the card and credit markets. The resulting Card & Credit Services division serves card and credit issuers and debt holders, providing their consumers with Web-based account presentation services, award-winning collections technology and merchant inquiry services.

Online Resources also provides billers and payment acquirers with a Web-based payment capability, using our patented real-time payments architecture. Through the acquisition of New Jersey-based Princeton eCom in 2006, and Ohio-based Internet Transaction Solutions in 2007, our eCommerce Services now provides these services to more than 1,600 billers. In addition, we are also working to reduce the cost and increase the speed of Internet-originated consumer payments for Web shopping, reloading stored value cards and other e-commerce applications.

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Online Resources offers the industry’s only fully integrated suite of account presentation, payment and marketing services. Our clients get a single point of accountability for operations, marketing and technology, ensuring web channel success.

Our distinctive patented real-time, guaranteed funds model enables us to leverage the existing architecture of the ATM networks to access real-time balance information during a consumer's online banking and bill payment session. A nationwide network of over 50 partners enables virtually all U.S. financial institutions to "plug and play" quickly into Online Resources' services.

More than 16 years ago, Online Resources began with a vision to provide our clients with a high quality, profitable way to remotely deliver consumer and business financial services. Every pursuit by Online Resources is centered on our guiding principles, which offer our clients a distinct value proposition. We serve our clients as their:

• Single point of operating accountability. We provide an outstanding user experience by uniquely guaranteeing end-to-end service performance, through highly usable applications, reliable systems and responsive customer care.
• Single point of technology accountability. We help to differentiate our clients and keep them ahead of their competition by providing a pipeline of new, innovative products and services.
• Single point of marketing accountability. We maximize the value of the Internet and other remote channels by furthering profitability for our clients, through our sophisticated Relationship Management Services that drive adoption throughout the consumer lifecycle.

It is our charge to carefully balance and consistently deliver on these benefits in order to provide our clients an essential advantage: deepened consumer relationships. We believe that this combination has been the key to Online Resources’ consistent growth.