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MCLEAN, Va., Dec. 2 /BUSINESS WIRE/

Online Resources & Communications Corporation (Nasdaq: ORCC), a leading provider of Internet banking services, today announced it will use the E.4 system(TM) of E.piphany (Nasdaq: EPNY) to provide financial institutions with a powerful tool to more effectively target market to their online customers and improve their level of customer service.

Accessing the E.4 system via the Web, financial institutions will be able to develop sophisticated customer profiles and "what if" analyses using bill payment and account data so they can offer the right product at the right time and true one-to-one marketing. For example, if a customer's variable rate mortgage payment to a competing institution increases, the Online Resources client institution can immediately identify and act upon the opportunity to sell a refinance loan. Or, if the level of online activity changes, the call center can be prompted to contact the customer to inquire if his or her banking needs have changed.

Such capabilities, normally too expensive for community banks and credit unions, are another example of how Online Resources levels the playing field for smaller institutions, according to Online Resources Senior Vice President for Marketing Ron Bergamesca. "Financial institutions will use E.piphany E.4 to turn data into information programs," Bergamesca said. "With the E.piphany E.4 system, banks, credit unions and thrifts can analyze the needs of customers based on their accounts and transactions and then customize products and services to address those needs."

"With business moving at Internet speed, relationships between companies and their customers are becoming more and more critical to corporate success," said President and CEO of E.piphany, Roger Siboni. "By using the Internet to deliver critical marketing services, Online Resources will help financial institutions cement customer loyalties and position themselves for the 21st century commerce."

"Integrating E.piphany technology with our top IT talent and the breadth of our technology infrastructure enables us to maximize the extraordinary power of the Internet," added Alex Seltzer, Online Resources CIO. "We are raising the bar for our competition."

In addition to the targeted marketing capabilities, the E.piphany E.4 system will enable financial institutions to examine more closely and accurately how their customers are using their online services and enable Online Resources to provide more detailed reports on services levels it provides to institutions.

Institutions will access the E.piphany E.4 system via the Web in a secure environment. All information will be handled in strict accordance with applicable consumer privacy laws and standards, and customers can opt-out of receiving targeted marketing offers.

Online Resources & Communications Corporation (http://www.orcc.com) is a leading outsourcer of privately-branded Internet financial services for regional and community banking institutions. The McLean, Virginia-based company has more than 400 institutional clients nationwide. The company provides consumer bill paying and banking services, and aggregates lending, insurance, securities trading and investment services. Online Resources performs real-time processing through its patented EFT gateway and full customer service for client institutions, giving them a comprehensive "hub" solution from a single vendor. Client consumer marketing programs are conducted under the bankonline.com co-brand.

E.piphany, Inc. is a provider of Web-based software solutions that enable companies to get, keep and grow customer relationships. The E.piphany E.4 system is an integrated suite of software solutions that allows businesses to collect, analyze and act on customer data from existing software systems as well as from third-party data providers. Business users throughout the company have the ability to continuously identify and differentiate customers, then customize and personalize products, services and interactions based on customer's specific wants and needs.

This news release contains statements about future events and expectations, which are "forward-looking statements." Any statement in this release that is not a statement of historical fact may be deemed to be a forward-looking statement. Such forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the company's actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Specific factors that might cause such a difference include, but are not limited to: the company's history of losses and anticipation of future losses; the company's dependence on the marketing efforts of third parties; the potential fluctuations in the company's operating results; the company's potential need for additional capital; the company's potential inability to expand the company's services and related products in the event of substantial increases in demand for these services and related products; the company's competition; the company's ability to attract and retain skilled personnel; the company's reliance on the company's patents and other intellectual property; the early stage of market adoption of the services it offers; consolidation of the banking and financial services industry; and those risks and uncertainties discussed in filings made by the company with the Securities and Exchange Commission, including those risks and uncertainties contained under the heading "Risk Factors" in the company's Registration Statement on Form S-1 as filed with the Securities and Exchange Commission.

E.piphany, E.4and the E.piphany logo are trademarks of E.piphany, Inc.