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Online Resources delivers all of its products on a secure, hosted platform that allows our clients to take advantage of the scale and sophistication of our operations, while enjoying industry standard security and availability, as well as lower costs.

Our high-speed data connections, and deep integration capabilities, with all credit processing platforms allow Online Resources to move quickly to realize your vision for web-based cardmember services, from the initial creative idea, through development, testing, deployment, and operations. Our processor partnerships include First Data Resources (Consumer, Small Business), Total System Services (TS1 - TS2, Commercial Purchasing, Commercial T&E, Private Label), Certegy, and Fiserv.

Platform management is another area where Online Resources excels. With more than 130 million consumer and corporate credit accounts under management, no organization has more experience deploying and managing fully-integrated web-based cardmember solutions. Online Resources processes more than 80 gigabytes of cardmember information daily, from all major back office systems, and serves this data out daily to more than four million registered users.

Accountability for the quality of the services provided is another area of differentiation for Online Resources. From the secure cage in the production data center, to the network switches, servers, telecom, applications and customer support, clients only have to look to one partner for all their business needs. Navigation through multiple vendors for issue resolution is a thing of the past. Online Resources has truly set the standard for Managed Services in the financial services industry.


Service Level Agreements
Online Resources's service level agreements with our customers are the contractual backbone on which we build trust-based relationships. Our information technology and network specialists constantly monitor all levels of our architecture, from the user interface to back office connections, to ensure that availability, performance, and security remain within contractual agreements. Monthly reporting allows clients to see at a glance how their web systems are performing.

Customer Support
Online Resources maintains onsite support staff 24 hours a day, 7 days a week, and 365 days per year. There is never a time when you can't pick up the phone and get a network or security specialist on the line to answer your questions. Whenever a bug is found, a network problem corrected, or a security threat investigated, our clients receive proactive notification and detailed post-fix incident reports.

Security
No aspect of what Online Resources does is more important than the security of the financial information entrusted to us. Online Resources' security record is outstanding, because we focus on the areas where threats are most likely to originate, and take effective, and proactive measures to ensure privacy of all the sensitive financial data in our systems. Our approach to security includes:

• 24-hour onsite physical security
• Controlled access points throughout the hosting facility
• Biometric hand readers with pin codes
• CCTV digital recorders with 30 days storage
• Private steel cages with electronically monitored locking cabinets
• Enhanced environmental controls for fire detection, including air    sampling
• Structural protection against fire, floods, and earthquakes
• Enhanced power and HVAC services, with backup capability for 72    hours

Online Resources maintains certification through an industry-leading 3rd-party security firm, has established core internal security audit programs, and operates its hosting facilities to the highest possible industry standards.

Business Continuity
As your web-based cardmember services have evolved into a mission-critical application, Online Resources' capabilities have kept pace. We offer our clients the right level of business continuity based on their needs. Our business continuity planning process is industry-standard, and revisited on a quarterly basis. With cold, warm, and hot site failover services available to every bank, Online Resources' clients never have to worry about the availability of their web-based cardmember services.