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Purchase, NY — January 15, 2002

MasterCard Remote Payment and Presentment Service (RPPS) today announced that its electronic bill presentment service is now processing live transactions from billers to consumers via participants Billserv, Inc. (Nasdaq: BLLS) and Online Resources Corporation (Nasdaq: ORCC), two of the leading participants in the electronic bill payment and presentment (EBPP) industry.

Billserv currently has 96 signed billers and 76 are in a production environment stage with the remaining 20 in various stages of implementation. Online Resources distributes bill payment and presentment services to more than 525 banks, thrifts and credit unions.

“Participants, such as Billserv and Online Resources, are thrilled to work with MasterCard RPPS because the one-stop connectivity and support of open standards by MasterCard RPPS will aid in the acceleration and widespread acceptance of electronic solutions in payment and presentment,” said Cathleen Conforti, vice president, MasterCard RPPS. “In addition, our solution allows participants to improve efficiencies in complete EBPP services and reduces the costs of participation versus other models.

The MasterCard RPPS model allows biller service providers (BSPs), such as Billserv, to communicate with multiple consumer service providers (CSPs), such as Online Resources, and vice versa, via a single connection through the RPPS hub.

“Billserv is pleased to work with MasterCard to further demonstrate our commitment to industry leadership by being the first billing service provider to transmit e-bills to this preeminent organization,” said Michael Long, chairman and CEO, Billserv, Inc. “This achievement clearly demonstrates our abilities to deliver on our pledge to provide our customers and their consumers the broadest distribution capabilities in the e-billing industry.”

“Industry analysts have long believed electronic bill presentment has been the missing piece of the puzzle to drive adoption of online bill payment,” said Matthew P. Lawlor, chairman and CEO, Online Resources Corporation. “We see the addition of bill presentment to our existing world-class bill payment capability as the critical step to completing the electronic banking experience for consumers and helping to drive mass market adoption.”

First Virginia Banks, Inc., a $10 billion financial institution, is a participant in the RPPS program via Online Resources and is planning an expansion of the service to its customer base in the spring of 2002. Both Billserv and Online Resources Corporation will bring additional clients online throughout the first quarter. Several other major BSPs and CSPs are expected to go live in the first quarter as well, and MasterCard RPPS will continue to add participants on an ongoing basis.

About MasterCard International

MasterCard International has a comprehensive portfolio of well-known, widely accepted payment brands including MasterCardâ, Cirrusâ and Maestroâ. More than 1.7 billion MasterCard, Cirrus and Maestro logos are present on credit, charge and debit cards in circulation today. An association comprised of more than 20,000 member financial institutions, MasterCard serves consumers and businesses, both large and small, in 210 countries and territories. MasterCard is a leader in quality and innovation, offering a wide range of payment solutions in the virtual and traditional worlds. MasterCard’s award-winning Pricelessâ advertising campaign is now seen in 80 countries and in 40 languages, giving the MasterCard brand a truly global reach and scope. With more than 22 million acceptance locations, no card is accepted in more places and by more merchants than the MasterCard Card. At Sept. 30, 2001, gross dollar volume exceeded US$704 billion. MasterCard can be reached through its World Wide Web site at http://www.mastercard.com.

About Billserv

Billserv, Inc. is the leading electronic bill presentment and payment Outsourced Solution Provider, delivering comprehensive, cost-effective solutions for presenting and servicing consumer bills for payment via the Internet. As part of an integrated EBPP solution, the company also provides market-leading Internet customer care and direct marketing applications. Billserv consolidates customer billing information and then securely delivers it to aggregators and to the client's own payment site, hosted by Billserv. The company has relationships with all major EBPP aggregators, including CheckFree, Spectrum, MasterCard RPPS, Paytrust, Metavante and BillingZone, giving companies and customers the widest array of Web sites from which to deliver, view, pay and manage bills. For additional information, visit http://www.billserv.com or call (210) 402-5000.

About Online Resources Corporation

Online Resources (Nasdaq:ORCC - www.orcc.com) is a leading outsourcer of e-financial services, with over 500 bank and credit union clients. The company's comprehensive QuotienSM suite of services provides Internet banking, electronic bill payment-presentment, and other consumer and small business e-finance applications. The company performs 24x7 customer care and consumer marketing services, giving clients the benefit of a single, integrated solution, backed by a unique end-to-end service guarantee and real-time transaction capabilities. Online Resources processes over 60 million e-finance transactions annually, including $3 billion in consumer bill payments.

About First Virginia Banks, Inc.

First Virginia has total assets in excess of $10 billion and is the largest independent banking company headquartered in Virginia and one of the 50 largest in the United States. There are currently eight banks in the First Virginia group with 310 offices in Virginia, 56 offices in Maryland and 13 offices in East Tennessee. First Virginia also operates a full-service insurance agency, First Virginia Insurance Services, Inc. The corporation’s common stock is traded on the New York Stock Exchange under the symbol “FVB”. For more information about First Virginia and its products and services, please visit our website at firstvirginia.com.